# EarnIn alternatives: what AI models name instead, September 2026

HR AI Recommendation Index, September 2026 Edition. 190 of the 216 answers in the 1 category where EarnIn holds a standing named it neither first nor as an alternative; these are the first choices those answers made. Page: https://hr-ai-index.com/vendors/earnin/alternatives/

## Named instead, most often (every category and segment added)

- DailyPay: 53
- ZayZoon: 31
- Payactiv: 22
- Tapcheck: 20
- Rain: 11
- Clair: 5

## Earned wage access

**Small business**: 58 of 72 answers did not name EarnIn (EarnIn is #6 of 8 at 3%).

- ZayZoon: first choice in 22 of those 58
- Tapcheck: first choice in 9 of those 58
- DailyPay: first choice in 7 of those 58
- Payactiv: first choice in 4 of those 58
- Clair: first choice in 2 of those 58
- Branch: first choice in 1 of those 58
- Gusto Wallet: first choice in 1 of those 58
- Rain: first choice in 1 of those 58

**Mid-market**: 60 of 72 answers did not name EarnIn (EarnIn is #10 of 12 at 0%).

- Tapcheck: first choice in 11 of those 60
- ZayZoon: first choice in 9 of those 60
- DailyPay: first choice in 5 of those 60
- Rain: first choice in 5 of those 60
- Payactiv: first choice in 4 of those 60
- Clair: first choice in 3 of those 60
- Gusto Wallet: first choice in 2 of those 60
- Adp Flex: first choice in 1 of those 60

**Enterprise**: 72 of 72 answers did not name EarnIn (EarnIn is #9 of 9 at 0%).

- DailyPay: first choice in 41 of those 72
- Payactiv: first choice in 14 of those 72
- Rain: first choice in 5 of those 72
- Chime Workplace: first choice in 2 of those 72
- Dayforce Wallet: first choice in 2 of those 72
- ADP: first choice in 1 of those 72
- ADP MyCheckbook: first choice in 1 of those 72
- Even: first choice in 1 of those 72

Published under CC BY 4.0. The output is the models' output; nothing here is a recommendation by the index.