Softwr

Accounting · head to head

ADP vs Immediate

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Immediate logo

Immediate

Payroll

On-demand pay, off-cycle payments and digital tips for US hourly employers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Immediate as with the whole category, the employee pays a fee for instant access, so a benefit sold internally as free to staff is not free to the staff using it.
  • They diverge on capability: ADP covers Payroll, Immediate covers Earned wage access.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which ADP and Immediate actually diverge.

Attributes where ADP and Immediate differ
AttributeADPImmediate
Starting price$29/monthOn request
Pricing modelsubscriptionquote
CategoryAccountingPayroll
Founded1949Unknown

Identical on both: free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • QuickBooks
  • Sage
  • Oracle

Only in Immediate

  • Earned wage access
  • Digital tip disbursement
  • Off-cycle payments
  • Pay cards
  • Payroll deduction
  • Employer reporting

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Immediate
  • HR administration and employee recordsnot Immediate
  • Time and attendance trackingnot Immediate
  • Benefits administrationnot Immediate
  • Talent management on the mid-market and enterprise productsnot Immediate

Immediate

  • A restaurant group ending end-of-shift cash tip handouts and the cash handling that goes with itnot ADP
  • An employer that must issue final pay quickly on termination in states with strict deadlinesnot ADP
  • A hotel or care operator with unbanked staff needing pay cards alongside wage accessnot ADP
  • A high-turnover hourly employer using same-day pay access as a recruiting messagenot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Immediate

  • As with the whole category, the employee pays a fee for instant access, so a benefit sold internally as free to staff is not free to the staff using it.
  • It is a smaller provider than DailyPay or Payactiv, so the library of certified payroll and time system integrations is narrower and custom file work is more likely.
  • Earned wage access rules differ by US state and continue to change, which creates compliance work for multi-state employers that the vendor cannot remove.
  • Tips, off-cycle payments and advances are priced separately, so the apparent low headline cost fragments into several line items once you use the full bundle.
  • Pay card programmes attract regulatory and reputational scrutiny in the US, and an employer defaulting staff onto a card rather than a bank account risks complaints and state law problems.

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Immediate

On request
  • Immediate$undefined/year
    • Employer pricing quoted, often minimal or per employee per month
    • Employee transaction fee for instant access to funds
    • Tip disbursement and off-cycle payments priced separately

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Immediate if

  • You need earned wage access.
  • You work on Web, iOS, Android.
  • You also want digital tip disbursement.
Immediate review

Questions people ask

Is ADP or Immediate better?
Neither clearly leads. ADP starts at $29/month and Immediate at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Immediate?
ADP starts at $29/month and Immediate at On request.
Does ADP or Immediate run on more platforms?
ADP runs on Web, Ios, Android. Immediate runs on Web, iOS, Android.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Immediate is typically brought in for.
What can ADP do that Immediate cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Immediate covers Earned wage access, Digital tip disbursement, Off-cycle payments, Pay cards.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
Immediate: What does the employer pay?

Pricing is quoted and often minimal or a small per-employee-per-month charge; most vendor revenue comes from employee instant transfer fees.

ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
Immediate: Can it replace cash tip-outs?

Yes. Digital tip disbursement is one of its main draws for restaurants and hospitality.

Immediate: Is Immediate still trading?

Yes. It is an independent Birmingham, Alabama company and joined the American Fintech Council in 2025.

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