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Payroll · head to head

Immediate vs Volopay

Immediate logo

Immediate

Payroll

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

From
On request
Rated
-
Full reviewWebsite
Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • They diverge on capability: Immediate covers Earned wage access, Volopay covers Multi-currency business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Immediate and Volopay actually diverge.

Attributes where Immediate and Volopay differ
AttributeImmediateVolopay

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 Immediate

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

Only in Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Expense management
  • Accounting integrations
  • Approval workflows

What people use each for

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

Immediate

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

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Immediate
  • A finance team wanting free domestic transfers with accounts payable automation includednot Immediate
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Immediate
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot Immediate

Where each one falls short

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

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.

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

Pricing, plan by plan

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

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

Which should you pick?

Choose Immediate if

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

Choose Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Questions people ask

Is Immediate or Volopay better?
Neither clearly leads. Immediate starts at On request and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Immediate or Volopay?
Immediate starts at On request and Volopay at On request.
Does Immediate or Volopay run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Immediate best used for?
Immediate is most often used for a restaurant group ending end-of-shift cash tip handouts and the cash handling that goes with it, an employer that must issue final pay quickly on termination in states with strict deadlines, a hotel or care operator with unbanked staff needing pay cards alongside wage access, a high-turnover hourly employer using same-day pay access as a recruiting message. Of those, a restaurant group ending end-of-shift cash tip handouts and the cash handling that goes with it and an employer that must issue final pay quickly on termination in states with strict deadlines are not what Volopay is typically brought in for.
What can Immediate do that Volopay cannot?
Immediate covers Earned wage access, Digital tip disbursement, Off-cycle payments, Pay cards. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

Answered from the vendors’ own pages

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.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

Immediate: Can it replace cash tip-outs?

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

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

Immediate: Is Immediate still trading?

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

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

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