*The following article is for our Pros that reside in the US.
Why has my payment date changed?
If your payment hasn't arrived when expected, there are several possible reasons. This article explains the most common factors that affect when you receive your earnings.
Understanding your payment schedule
Your payment timing depends on two key settings:
1. Payment frequency setting
Weekly payment: All earnings are processed at the end of the weekly pay period (Wednesday for work completed the previous week)
Instapay: Earnings are sent shortly after you clock out of each shift (subject to a 5% fee)
If you recently switched between Weekly and Instapay, this explains why your payment schedule has changed.
**Eligibility reminder**: You become eligible for Instapay seven days after completing your second shift on Instawork. You must actively select "Instapay" in your payment settings to receive payments after each shift.
2. Payment method selection
The type of account you've selected affects when funds become available:
Debit card payments: Usually available within 1 hour, but can take up to 24 hours
Bank account transfers: Typically take 1-3 business days to appear in your account
**Important**: Some digital banks and prepaid debit cards may experience longer processing times than traditional bank accounts.
Common reasons for payment date changes
Recent changes to your payment settings
If you updated your payment method, it can take up to 3 business days for the change to take effect
Changes made after Sunday may not apply to payments processed that week
Your most recent payment settings are always shown in your profile
Clocking issues affecting payment timing
Missing clock-out: If you don't clock out through the app, your payment will be delayed until hours are verified
Manual time approval: If your hours need manual review, payment processing starts after approval
Location tracking disabled: Having location services turned off can delay payment verification
Different rules for different shift types
1099 shifts: Can be paid via Instapay immediately after clock-out (if eligible)
W-2 shifts: With Instapay: 60% of estimated earnings available after shift, remaining 40% paid weekly
Without Instapay: All earnings paid during weekly processing
Not available in all states and shifts.
Banking system factors
Weekends and holidays: Payments initiated during these times may take longer to process
Bank processing times: Your bank's internal processing can add 1-2 days
Cut-off times: Transactions initiated after your bank's daily cut-off time will be processed the following business day
What to do if your payment is unexpectedly delayed
If your payment is taking longer than expected:
1. Check your payment settings to confirm they match what you intended
2. Verify your shift details in the Earnings tab to see if there were any issues
3. Allow for processing time based on your payment method (1 hour for debit, 1-3 days for bank accounts)
4. Contact support if your payment is more than 24 hours late for debit or 3 business days late for bank transfers
Our support team can help track your payment and resolve any issues that might be causing delays.