Instawork’s affiliate, Advantage Workforce Services, LLC (“AWS”) is launching a new program to enable Instapay for W-2 shifts.
This article describes how W-2 Instapay works outside of CA. For information on how W-2 Instapay works in CA, refer to this article.
Note: W-2 Instapay is not currently available for shifts worked in CO and CT.
How do I sign up for W-2 Instapay?
As an invited participant of this program, it is simple to start receiving W-2 Instapay. All you have to do is update your Payment settings in the app. Here are the steps:
Go to Profile / Setting (gear icon on top of the app) / Payment settings.
In the Payment settings page, tap on the pencil to the right of W-2 shifts
Review and accept the AWS W-2 Instapay Terms & Conditions
Change your Payment settings frequency to Instapay.
After you have selected Instapay as your Payment frequency, you can just select a Payment account.
If you select Checking, your bank may take up to 3 business days after the end of your W-2 shift to make your W-2 Instapay available in your account
If you select Debit, your bank will generally make your earnings available in an hour. (Please note that you have to provide your Debit information for W-2 shifts even if you have already provided the information for 1099 shifts. We are asking this information again to ensure that we pay you correctly. You can use the same debit card for your 1099 and W-2 shifts.)
Note: At any time, if you don’t want the Instapay feature to be enabled for W-2 shifts, simply switch your W-2 payment frequency back to Weekly. Weekly payments are fee-free, ensuring you keep your full earnings without incurring any additional costs from expedited transactions.
How does W-2 Instapay work?
Make sure “Instapay” is selected in your payment settings for W-2 shifts.
After you clock out of a W-2 shift, go to the Earnings tab to review payment details and confirm you want a portion of your estimated earnings sent early via Instapay. If you do not select Instapay before your next shift starts, your earnings will be sent as part of your regular Weekly payment.
If your Payment settings are set to Debit, your bank will generally make your earnings available within an hour. If you choose Checking, it may take up to 3 business days after the shift for the funds to appear in your account.
Any remaining earnings will be processed and paid out at the end of the Weekly pay period.*
Important to note:
Instapay comes with a 5% expedited delivery fee for each payout. For example, if your W-2 shift earnings are $100 and you choose Instapay, 60% of the earnings ($60) are accessible, and a $3 fee (5% of $60) is deducted before the amount is transferred. The remaining 40% of your gross income will be paid in the next scheduled cycle. You can always get paid for free by selecting the Weekly payment option in your Payment Settings.
How much will I receive in W-2 Instapay?
For each Instapay transaction, workers receive 60% of the estimated gross income for their shift, with a 5% transaction fee applied to this amount. The remaining 40%, after applicable deductions, is paid at the end of the weekly pay period. - For example, a W-2 worker earning $100 for a shift accesses $60 through Instapay. A $3 fee (5% of $60) is deducted, leaving $57 as the immediate payout. The remaining $40 is delivered on the next scheduled payday, less taxes and deductions. - Payment details can always be reviewed in the ADP portal under the Pay Statement section.
What does W-2 Instapay look like on the app?
When you choose W-2 Instapay for a given shift, you’ll see detailed information about the payment in the app (below is an example):
As you can see on the above screen from an example shift, the total estimated gross earnings were $161.76, you can also see:
Instapay amount (60% of estimated gross): $97.05
Instapay expedited transaction fee (5% of Instapay amount): $4.85
Net Instapay amount sent to account: $92.20
Remaining 40% of estimated gross earnings for the shift, which will be paid out in Weekly pay at the end of the pay period: $64.71
How can my friends sign up for W-2 Instapay?
Currently, the W-2 Instapay program is invitation-only. Once we expand further, we will invite more Pros to participate.
Note: W-2 Instapay is not currently available for shifts worked in CA, CO, and CT.
How do I contact the Support team about W-2 Instapay?
Please feel free to reach out to our team with questions about this program via the support option in the app, by tapping the question mark () in the top-right corner of the screen. Please include the phrase ‘W2 instapay’ to ensure your question is sent to the correct team.