*The following article is for our Pros that reside in the US.
Qualifying Pros on Instapay-eligible shifts can get paid in as few as 60 minutes after completing a shift. This means you’ll be able to have a little more cash in your pocket sooner. If you choose weekly payments instead, funds from shifts worked during the previous Monday through Sunday period are processed every Wednesday and typically arrive in your bank account by Saturday. Some may see the payment arrive as early as Friday, depending on the bank.
Eligibility
You can select Instapay as your payment frequency seven days AFTER you work your second shift through the Instawork platform. For example, if you complete your second shift on Sunday, February 2, you will be eligible to select Instapay beginning Monday, February 10. To enable Instapay, go to your Profile in the Instawork app, navigate to Settings > Payment Settings, and select Instapay as your Payment Frequency. Once you finish a shift, confirm Instapay in the app to receive your payment.
Instapay for 1099 shifts
With 1099 shifts, Instapay sends your full earnings right after you clock out. For example, a 5% fee deduction would mean that for a $100 payout, you receive $95.
You are eligible seven days after completing your second shift
For a debit card, payment is available within 1 hour
For a checking account, payment is available within 3 business days.
You will receive 100% of your shift earnings, minus the 5% fee
Frequency | Account Type | Speed | Fees per payout |
Instapay | Debit card | 1 hour | 5% of the payout amount |
Instapay | Checking account | 3 business days | 5% of the payout amount |
Instapay for W-2 shifts
Note: W-2 Instapay is not currently available for shifts worked in CO and CT.
Instructions to receive instapay for W-2 shift
Select "Instapay" in your payment settings for W-2 shifts in your Profile page.
After working shift, as you clocking out, you will be presented an option to select "Instapay" or "Weekly pay". You MUST select "Instapay" despite already having selected instapay in your Payment Profile setting. This process of selecting instapay for the 2nd time is required in order for the payment to be processed accordingly. If this action is NOT completed, the shift will default to weekly pay.
Note: If you worked a shift and was clocked out by the partner / captain, you will be able to select Instapay if you go to the earnings tab and select the shift.
You will be able to select Instapay for the shift as long as you have NOT started your next W-2 shift. Once you start your next W-2 shift, the payment selection for the previous shift is locked. Changes are not possible at that point.
Payments will typically be processed immediately, with funds available within one hour for debit card transactions or up to three business days for checking account transfers.
For W-2 shifts work outside of California
Instapay sends a portion of your earnings after you clock out. You will immediately receive 60% of your estimated gross earnings minus a 5% fee that applies to each Instapay payout.
For example, if your estimated gross earnings for a shift is $100. You will receive a payment of $57.
You can always receive your earnings without an expedited fee by choosing the Weekly option.
The remaining 40% will be included in your regular weekly paycheck, accounting for taxes and deductions.
For W-2 shifts worked in California
Instapay sends a portion of your earnings after you clock out. You will immediately receive 60% of your gross earnings.
For example, if your estimated gross earnings for a shift is $100. You will receive a payment of $60. Separately, AWS will charge you $5 fee on your card on file each time you confirms that you want Instapay at the end of the shift.
If you want W-2 instapay in California, you have to provide a payment method for the $5 fee by going to Profile>Settings (gear icon)>Payment settings>Settings (gear icon)>Payment method (used for instapay). You can use the same debit card that you use to receive your instapay.
You can always receive your earnings without an expedited fee by choosing the Weekly option.
The remaining 40% will be included in your regular weekly paycheck, accounting for taxes and all applicable deductions (for example, child support, wage garnishment, etc.).
Note: additional deductions such as child support and wage garnishment are not make aware to Instawork, you should ALWAYS check your pay stub by logging into your ADP profile.
Important things to know
Instapay is optional. You can always receive your earnings without an expedited fee by choosing the Weekly option.
You are eligible seven days after completing your second shift.
For a debit card, payment is available within 1 hour.
For a checking account, payment is available within 3 business days.
A fee (5% everywhere | $5 in CA) applies to each Instapay payout.
The remaining 40% will be paid in your weekly payment after taxes and deductions.
If you have questions about Instapay or need help understanding your payment settings, please contact our support team through the Instawork app.
FAQs
Are all shifts eligible for Instapay? Not all shifts or locations are Instapay-eligible. This will be specified within the job details in the Instawork app.
Can I cancel Instapay? Instapay transactions are typically finalized upon confirmation in the app. Weekly payments can be set as the default option if you prefer to avoid the Instapay fee.