DailyPay earned-wage and payday APIs

DailyPay, Inc. · Lending

DailyPay On-Demand Pay, made by DailyPay, Inc., gives U.S. employees at participating employers access to earned wages before their scheduled payday. Workers can view the amount available from reported shifts and tips, choose an instant debit-card transfer or next-business-day ACH to a linked bank account, and review previous paychecks and the pay left for payday. The app also includes the DailyPay Card and Friday Card, direct-deposit setup, savings jars, automatic payday reserves, and identity-verification steps. It serves employees whose employers offer the service, with sign-in through email, employer SSO, or device biometrics; it is an employer-linked earned-wage-access product rather than a consumer payday-loan application.

Earned-wage availability connects reported shifts and tips to the payday remainder through availableBalanceCents, lastShiftReportedAt and lastTipReportedAt. Pay-period records add grossEarningsAmountCents, netEarningsAmountCents, totalTransferredEarlyAmountCents and remainderAmountCents, while remainderPaymentReceivingAccount identifies the destination for the remaining pay. Payroll reconciliation tools can compare those amounts across pay periods without confusing an early wage transfer with the final settlement.

Transfer estimates pair nowFeeAmountCents and nextFeeAmountCents with dailyWithdrawalLimitAmountCents, remainingWithdrawalAmountCents and attemptsLeft. Submitted payments carry paymentId, paymentStatus and totalFeeAmountCents, allowing transfer-cost monitors to relate the estimate to its receipt. Receiving-account records supply instantEnabled, rtpCreditable and reconfirm for eligibility checks.

Card activity contributes transactionId, amountCents and cashbackAmountCents; savings records contribute balanceCents, fixedDeductionAmountCents and targetAmountCents. Direct-deposit and identity workflows add dduStatus, photoIdStatus and agreementVersion. With appropriate employee-data authorization, payroll integrators and card-program teams can connect these records for settlement reconciliation, receiving-account checks and onboarding-state tracking. openData Studio turns this field-level model into callable open data; the paths and sample values shown here are illustrative, not production connection details.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Hydrate on-demand-pay available balance

GET /v1/earned-pay/availability openbanking

Loads the home available-balance tile: earned wages the employer has reported this pay period, whether instant and next-day rails are open, and any lock that blocks a transfer.

Auth: Authorization: Bearer <authToken>. Employee session established through sign-in; also sends Accept-Language, X-Whitelabel-Partner, X-Country-Code and X-App-Version.

availableBalanceCents
availableBalance
lastShiftReportedAt
lastTipReportedAt
totalBonusAmountCents
minAdvanceAmountCents
canTransfer
instantAvailable
photoIdStatus
transfersDisabledReason

GET /v1/earned-pay/availability HTTP/1.1
Authorization: Bearer <authToken>
X-Whitelabel-Partner: dailypay
X-Country-Code: US
Accept-Language: en

{
  "employee": {
    "id": "emp_18402",
    "uuid": "6f2c1a90-4b11-4e2a-9c0d-11aa22bb33cc",
    "status": "active",
    "minAdvanceAmountCents": 500,
    "currentPayPeriodSummary": {
      "availableBalanceCents": 18650,
      "availableBalance": "186.50",
      "lastShiftReportedAt": "2026-10-22T18:04:00Z",
      "lastTipReportedAt": "2026-10-22T18:10:00Z",
      "totalBonusAmountCents": 1200
    },
    "pullAdvance": {
      "unlocked": true,
      "canTransfer": true,
      "instantEnabled": true,
      "instantAvailable": true,
      "nextDayAvailable": true,
      "photoIdStatus": "approved",
      "transfersDisabledReason": null
    }
  }
}

Quote on-demand-pay transfer

GET /v1/earned-pay/estimates openfinance

Prices an early-wage transfer before the worker confirms it: instant vs ACH eligibility, now/next-day fees, and remaining daily withdrawal headroom against the chosen receiving account.

Auth: Authorization: Bearer <authToken> plus X-Whitelabel-Partner, X-Country-Code and X-App-Version.

totalAmountCents
receivingAccountId
receivingAccountType
validAmount
instantUnlocked
achUnlocked
nowFeeAmountCents
nextFeeAmountCents
dailyWithdrawalLimitAmountCents
remainingWithdrawalAmountCents
attemptsLeft
hasTakenWeeklyTransfer

GET /v1/earned-pay/estimates?totalAmountCents=7500&receivingAccountType=bank_account&receivingAccountId=ba_4419 HTTP/1.1
Authorization: Bearer <authToken>
X-Country-Code: US

{
  "employee": {
    "id": "emp_18402",
    "currentPayPeriodSummary": {
      "availableBalanceCents": 18650,
      "totalBonusAmountCents": 1200
    },
    "pullAdvance": {
      "unlocked": true,
      "instantEnabled": true,
      "instantAvailable": true,
      "nextDayAvailable": true,
      "confirmAdvanceAmount": {
        "validAmount": true,
        "instantUnlocked": true,
        "instantLockedReason": null,
        "achUnlocked": true,
        "achLockedReason": null,
        "errorMessages": []
      },
      "transferFees": {
        "freePull": false,
        "freeInstant": false,
        "freeNextDay": true,
        "nowFeeAmountCents": 299,
        "nextFeeAmountCents": 0,
        "hasTakenWeeklyTransfer": false
      },
      "transferLimitDetails": {
        "attemptsLeft": 3,
        "dailyMaxTransferLimit": 5,
        "dailyWithdrawalLimitAmountCents": 50000,
        "remainingWithdrawalAmountCents": 42500,
        "instantMaxTransferLimit": 3,
        "numberOfPaidInstantTranfersTakenToday": 1,
        "earliestTransferTime": "2026-10-23T12:00:00Z"
      }
    }
  }
}

Submit instant debit-card transfer

POST /v1/earned-pay/disbursements openbanking

Posts an instant account-funding transfer of earned wages onto a linked debit card after the quote screen, returning the paymentId and fee that land on paycheck history.

Auth: Authorization: Bearer <authToken>. A debit-card transfer may require a 3-D Secure verification step before submission.

paymentId
paymentMethod
paymentStatus
paymentType
processedOn
totalAmountCents
totalFeeAmountCents
receivingAccount
accountNumber
speed

POST /v1/earned-pay/disbursements HTTP/1.1
Authorization: Bearer <authToken>
Content-Type: application/json

{
  "totalAmountCents": 7500,
  "receivingAccountId": "dc_9182",
  "receivingAccountType": "debit_card",
  "speed": "instant"
}

{
  "paymentId": "pay_77c1",
  "paymentMethod": "debit_card",
  "paymentStatus": "processed",
  "paymentType": "advance",
  "processedOn": "2026-10-23",
  "totalAmountCents": 7500,
  "totalFeeAmountCents": 299,
  "isSavings": false,
  "receivingAccount": {
    "id": "dc_9182",
    "accountNumber": "4411",
    "name": "Chase Debit",
    "receivingAccountType": "debit_card"
  }
}

List paycheck history

GET /v1/payroll/periods openfinance

Pages closed and open pay periods for the paycheck-history screen, splitting shift vs tip earnings and showing how much already left early versus the remainder still due on payday.

Auth: Authorization: Bearer <authToken> plus X-Whitelabel-Partner and X-Country-Code.

payPeriods
providerDisplayName
startsAtDate
endsAtDate
nextPaymentExpectedAtDate
totalAmountCents
totalShiftsEarningsCents
totalTipsEarningsCents
grossEarningsAmountCents
netEarningsAmountCents
remainderAmountCents
totalTransferredEarlyAmountCents
totalFeeAmountCents

GET /v1/payroll/periods?page=1&perPage=10 HTTP/1.1
Authorization: Bearer <authToken>

{
  "employee": {
    "id": "emp_18402",
    "tipsEnabled": true,
    "earlyDepositEnabled": true,
    "payPeriods": {
      "items": [
        {
          "id": "pp_2091",
          "uuid": "aa11bb22-cc33-4dd4-8ee5-ff6677889900",
          "providerDisplayName": "Northwind Retail",
          "startsAtDate": "2026-10-06",
          "endsAtDate": "2026-10-19",
          "status": "open",
          "nextPaymentExpectedAtDate": "2026-10-24",
          "totalAmountCents": 62400,
          "totalShiftsEarningsCents": 59800,
          "totalTipsEarningsCents": 2600,
          "summary": {
            "grossEarningsAmountCents": 71200,
            "netEarningsAmountCents": 62400,
            "remainderAmountCents": 43750,
            "totalFeeAmountCents": 299,
            "totalTransferredEarlyAmountCents": 18650
          }
        }
      ]
    }
  }
}

Read paycheck and settlement detail

GET /v1/payroll/periods/{payPeriodId}/settlement openfinance

Opens a single pay period from paycheck history: early advances already taken, payday-reserve withholdings, and the bank or card that will receive the remainder on payday.

Auth: Authorization: Bearer <authToken>.

payPeriodId
availableBalanceCents
advancedAmountCents
daysUntilNextPayday
companyPayPeriodAdvanceable
remainderAmountCents
totalPaydayReservesAmountCents
remainderPaymentReceivingAccount
advances
advanceType

GET /v1/payroll/periods/pp_2091/settlement HTTP/1.1
Authorization: Bearer <authToken>

{
  "employee": {
    "id": "emp_18402",
    "tipsEnabled": true,
    "payPeriod": {
      "id": "pp_2091",
      "providerDisplayName": "Northwind Retail",
      "startsAtDate": "2026-10-06",
      "endsAtDate": "2026-10-19",
      "status": "open",
      "daysUntilNextPayday": 1,
      "availableBalanceCents": 18650,
      "advancedAmountCents": 18650,
      "companyPayPeriodAdvanceable": true,
      "summary": {
        "grossEarningsAmountCents": 71200,
        "netEarningsAmountCents": 62400,
        "remainderAmountCents": 43750,
        "totalFeeAmountCents": 299,
        "totalTransferredEarlyAmountCents": 18650,
        "totalPaydayReservesAmountCents": 0,
        "negativeBalancePaidSettlementAmountCents": 0
      },
      "remainderPaymentReceivingAccount": {
        "id": "ba_4419",
        "accountNumber": "2190",
        "name": "Chase Checking",
        "nickname": "Main",
        "receivingAccountType": "bank_account",
        "primary": true
      },
      "advances": {
        "items": [
          {
            "paymentId": "pay_77c1",
            "advanceType": "pull",
            "paymentStatus": "processed",
            "totalAmountCents": 7500,
            "totalFeeAmountCents": 299
          }
        ]
      }
    }
  }
}

Read DailyPay Card balance
GET /v1/spending-card/position openbanking
Reads the DailyPay Card / Friday Card spending balance shown on the cards tab, including whether paycheck direct deposit is already pointed at the card.
Auth: Authorization: Bearer <authToken> plus X-Whitelabel-Partner.
- availableBalanceCents
- ledgerBalanceCents
- fridayCard
- status
- currency
- directDeposit
- nextPayday
```
GET /v1/spending-card/position HTTP/1.1
Authorization: Bearer <authToken>
```
```
{
  "card": {
    "id": "dpc_3301",
    "status": "active",
    "fridayCard": false,
    "availableBalanceCents": 41220,
    "ledgerBalanceCents": 41220,
    "currency": "USD"
  },
  "directDeposit": {
    "status": "active",
    "nextPayday": "2026-10-24"
  }
}
```

List DailyPay Card transactions

GET /v1/spending-card/activity openbanking

Pages the DailyPay Card ledger used by the card-opened transactions/history screen, including cash-back that has already posted.

Auth: Authorization: Bearer <authToken>.

transactionId
postedAt
amountCents
merchantName
status
cashbackAmountCents
currency

GET /v1/spending-card/activity?page=1 HTTP/1.1
Authorization: Bearer <authToken>

{
  "items": [
    {
      "transactionId": "txn_9012",
      "postedAt": "2026-10-22T16:41:00Z",
      "amountCents": -1287,
      "currency": "USD",
      "merchantName": "RITE AID",
      "status": "posted",
      "cashbackAmountCents": 12
    }
  ],
  "page": 1,
  "hasMore": true
}

Read savings account summary
GET /v1/reserves/position openfinance
Returns the savings-pod cash position and whether automatic payday deductions / round-ups are on, feeding the savings-jars home tile.
Auth: Authorization: Bearer <authToken>.
- directSavingsEnabled
- roundupSavingsEnabled
- balanceCents
- accruedAutoSavingsAmountCents
- fixedDeductionAmountCents
- savingsDeduction
```
GET /v1/reserves/position HTTP/1.1
Authorization: Bearer <authToken>
```
```
{
  "directSavingsEnabled": true,
  "roundupSavingsEnabled": false,
  "balanceCents": 8500,
  "accruedAutoSavingsAmountCents": 2500,
  "fixedDeductionAmountCents": 2500,
  "savingsDeduction": true
}
```
List savings jars
GET /v1/reserves/goals openfinance
Lists named savings jars the worker can fund from earned wages or payday reserves, as shown on the savings-jars promo and transfer-money screens.
Auth: Authorization: Bearer <authToken>.
- jars
- id
- name
- balanceCents
- targetAmountCents
- status
```
GET /v1/reserves/goals HTTP/1.1
Authorization: Bearer <authToken>
```
```
{
  "jars": [
    {
      "id": "jar_12",
      "name": "Emergency",
      "balanceCents": 6000,
      "targetAmountCents": 20000,
      "status": "active"
    }
  ]
}
```
Start bank-account link session
POST /v1/receivers/bank-link openbanking
Opens a hosted bank-link session from payday-setup and transfer-flow add-bank-account screens so a checking or savings account can become a receiving account.
Auth: Authorization: Bearer <authToken>.
- purpose
- linkSessionId
- hostedLinkUrl
- expiresAt
```
POST /v1/receivers/bank-link HTTP/1.1
Authorization: Bearer <authToken>
Content-Type: application/json

{
  "purpose": "receiving_account"
}
```
```
{
  "linkSessionId": "pls_55ab",
  "hostedLinkUrl": "/demo/bank-link/session/pls_example",
  "expiresAt": "2026-10-23T12:30:00Z"
}
```

Read linked bank account

GET /v1/receivers/banks/{uuid} openbanking

Returns a linked receiving bank with routing/account last-fours, instant and RTP flags, and whether the worker must reconfirm the account before the next payday remainder.

Auth: Authorization: Bearer <authToken>.

uuid
accountNumber
routingNumber
checking
ownerName
primary
bankName
nickname
instantEnabled
rtpCreditable
creditable
twoFactorRequired
reconfirm

GET /v1/receivers/banks/ba_4419 HTTP/1.1
Authorization: Bearer <authToken>

{
  "id": "ba_4419",
  "uuid": "ba_4419",
  "accountNumber": "2190",
  "routingNumber": "021000021",
  "checking": true,
  "name": "Chase Checking",
  "ownerName": "Alex Rivera",
  "primary": true,
  "bankName": "Chase",
  "nickname": "Main",
  "instantEnabled": true,
  "rtpCreditable": true,
  "creditable": true,
  "savingsEnabled": false,
  "twoFactorRequired": false,
  "reconfirm": false
}

Accept SSN user agreement

POST /v1/identity/ssn-consents osint

Records the SSA/SSN consumer-file agreement collected during card opening and identity verification, tying the accepted version to the employee userUuid.

Auth: Authorization: Bearer <authToken>. Identity-verification status determines transfer eligibility.

agreementName
agreementVersion
ssnLastFour
acceptedAt
userUuid
photoIdStatus

POST /v1/identity/ssn-consents HTTP/1.1
Authorization: Bearer <authToken>
Content-Type: application/json

{
  "agreementName": "example_ssn_consent",
  "agreementVersion": "2024-11",
  "ssnLastFour": "6789"
}

{
  "message": "accepted",
  "userAgreement": {
    "agreementName": "example_ssn_consent",
    "agreementVersion": "2024-11",
    "acceptedAt": "2026-10-23T11:02:00Z",
    "userUuid": "6f2c1a90-4b11-4e2a-9c0d-11aa22bb33cc"
  }
}

Read card direct-deposit status
GET /v1/spending-card/payroll-routing openfinance
Reports whether the worker has switched paycheck direct deposit onto the DailyPay Card (DDU), which unlocks fee-free instant transfers for Friday / DailyPay cardholders.
Auth: Authorization: Bearer <authToken>.
- dduStatus
- directDepositEnabled
- receivingAccountType
- nextPayday
- providerId
```
GET /v1/spending-card/payroll-routing HTTP/1.1
Authorization: Bearer <authToken>
```
```
{
  "dduStatus": "switched",
  "directDepositEnabled": true,
  "receivingAccountType": "dailypay_card",
  "nextPayday": "2026-10-24",
  "providerId": 441
}
```

Attach transfer reason

POST /v1/earned-pay/annotations opendata

Stores the self-reported reason collected after an on-demand-pay transfer, hanging reasonType/reasonText off the employeePayment for later insights.

Auth: Authorization: Bearer <authToken>.

paymentId
reasonType
reasonText

POST /v1/earned-pay/annotations HTTP/1.1
Authorization: Bearer <authToken>
Content-Type: application/json

{
  "paymentId": "pay_77c1",
  "reasonType": "bills",
  "reasonText": "Rent coming due"
}

{
  "message": "ok",
  "employeePayment": {
    "paymentId": "pay_77c1",
    "transferReason": {
      "reasonType": "bills",
      "reasonText": "Rent coming due"
    }
  }
}

Where teams use this data

Earned-wage vs payday remainder reconciliation
Payroll and EWA ops pull availableBalanceCents, advancedAmountCents and remainderAmountCents per pay period, then match remainderPaymentReceivingAccount to the bank or DailyPay Card that will receive payday netEarningsAmountCents after early pulls.
Instant-transfer fee and limit monitoring
A transfer-risk bot reads nowFeeAmountCents, nextFeeAmountCents, dailyWithdrawalLimitAmountCents, remainingWithdrawalAmountCents and attemptsLeft from the quote, then watches paymentId / totalFeeAmountCents on the submitted AFT.
Receiving-account and RTP eligibility
Treasury tools list linked banks with routingNumber, accountNumber, instantEnabled, rtpCreditable and reconfirm, and debit cards with fridayCard / primary, so remainder pay and instant rails only target accounts that can actually receive.
Direct-deposit switch and KYC gating
Card-program ops combine dduStatus, photoIdStatus and the accepted SSN agreementVersion to know when fee-free DailyPay Card transfers are unlocked versus when identity still blocks pullAdvance.canTransfer.

Frequently asked questions

Which fields describe earned wages available before payday?

The balance snapshot includes availableBalanceCents, availableBalance, lastShiftReportedAt, lastTipReportedAt, totalBonusAmountCents and minAdvanceAmountCents. Transfer-eligibility indicators include canTransfer, instantAvailable, photoIdStatus and transfersDisabledReason.

How do the transfer examples distinguish fees, limits and settlement?

A transfer estimate includes validAmount, instantUnlocked, achUnlocked, nowFeeAmountCents, nextFeeAmountCents, dailyWithdrawalLimitAmountCents, remainingWithdrawalAmountCents and attemptsLeft. The submitted payment carries paymentId, paymentStatus and totalFeeAmountCents; pay-period records separately track totalTransferredEarlyAmountCents and remainderAmountCents.

Does the field model include linked banks, card activity and savings?

Yes. Linked banks include routingNumber, accountNumber, instantEnabled, rtpCreditable and reconfirm. Card records include availableBalanceCents, ledgerBalanceCents and cashbackAmountCents; savings records include balanceCents, fixedDeductionAmountCents and targetAmountCents. Direct-deposit switching is represented by dduStatus.

Are these production connection details, and what authentication type is shown?

The paths and examples are illustrative rather than production connection details. The authentication model uses an employee-session Bearer token, with language, partner, country and app-version headers where applicable. Access to employee balances, receiving accounts and identity records requires appropriate authorization.

Apps similar to DailyPay On-Demand Pay

Payactiv — Payactiv is an employer-linked earned-wage access service: eligible employees can take a portion of wages already earned, there is always a free option and never any tips, and accessed amounts are reconciled through payroll rather than as a loan.
EarnIn — EarnIn Cash Out lets U.S. workers access wages they have already earned — up to $200 a day and $1,000 per pay period — with no credit check, no interest, and no mandatory fees on standard transfers that typically take 1–2 business days.
Branch — Branch is an employer workforce-payments platform that lets workers advance wages they have already earned before payday through the company's app or Branch's, without changing direct deposit.
Tapcheck — Tapcheck is an employer-offered same-day pay benefit that can make up to 70% of net earnings available after a shift, with transfers to a bank account or a Tapcheck Mastercard for a single ATM-like fee.
ZayZoon — ZayZoon is a workplace app that lets employees at participating employers access earned wages before payday through payroll-partner integrations, alongside in-app discounts, rewards, and financial-education tools.
Stream — Stream Pay is an earned-wage access service available exclusively through destination employers, combining flexible access to pay with budgeting tools and exclusive discounts in one workplace app.
OnePay @Work — OnePay @Work (formerly Even) is a free employer benefit whose Instapay feature lets employees request a portion of net earnings already worked, with free delivery options and optional instant deposits depending on the employer's setup.
Brigit — Brigit Instant Cash advances $25–$500 with no credit check and no late fees on a monthly subscription of $8.99–$15.99, with optional express delivery that most members receive within 20 minutes.

More Lending apps

Topics

DailyPay API
earned wage access
on-demand pay
availableBalanceCents
payroll reconciliation
payday remainder
remainderAmountCents
nowFeeAmountCents
DailyPay Card
Friday Card
direct deposit dduStatus
earned wage transfer fees

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DailyPay earned-wage and payday APIs

Screenshots

API surface

Hydrate on-demand-pay available balance

Quote on-demand-pay transfer

Submit instant debit-card transfer

List paycheck history

Read paycheck and settlement detail

Read DailyPay Card balance

List DailyPay Card transactions

Read savings account summary

List savings jars

Start bank-account link session

Read linked bank account

Accept SSN user agreement

Read card direct-deposit status

Attach transfer reason

Data categories

Where teams use this data

Earned-wage vs payday remainder reconciliation

Instant-transfer fee and limit monitoring

Receiving-account and RTP eligibility

Direct-deposit switch and KYC gating

Frequently asked questions

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Need this app's data API integrated?

DailyPay earned-wage and payday APIs

Screenshots

API surface

Hydrate on-demand-pay available balance

Quote on-demand-pay transfer

Submit instant debit-card transfer

List paycheck history

Read paycheck and settlement detail

Read DailyPay Card balance

List DailyPay Card transactions

Read savings account summary

List savings jars

Start bank-account link session

Read linked bank account

Accept SSN user agreement

Read card direct-deposit status

Attach transfer reason

Data categories

Where teams use this data

Earned-wage vs payday remainder reconciliation

Instant-transfer fee and limit monitoring

Receiving-account and RTP eligibility

Direct-deposit switch and KYC gating

Frequently asked questions

Related apps

Apps similar to DailyPay On-Demand Pay

More Lending apps

BAF Mobile - Cicilan Pinjaman

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Cleo AI: Cash Advance & Money

Topics

Need this app's data API integrated?