Instant Pay by KOHO

Free for you, freeing for your employees

Empower your employees with daily access to their paycheque with Instant Pay.

Instant Pay by KOHO
What is Instant Pay?

What is Instant Pay?

Instant Pay is a free payroll benefit that gives employees on-demand access to their pay. Instead of waiting for their paycheque every two weeks, employees can now cash out up to 50% of their pay earned every workday on a daily basis.

Benefits of Instant Pay

What’s in it for you?

Boost employee loyalty

Increase employee performance and wellness while reducing absenteeism and turnover.

Stand out from the crowd

Differentiate your business from competitors to attract and retain the best talent.

Seamless and quick integration

No added costs to the business or changes to the payroll process.

Zero hassle

KOHO funds every Instant Pay request and handles all employee support, so you won’t have to worry about a thing.

Benefits of Instant Pay

Trusted by Canada’s top employers

Instant Pay Form
Instant Pay Form

See how Instant Pay works

If you're an employer, schedule a quick chat with us and we’ll show you what Instant Pay is all about in 10 minutes — tops.


There is no cost to the company; Instant Pay is free to implement.

Transfers to the KOHO card are free; otherwise, a small fee will apply.

KOHO is a full-service account that offers a whole suite of money management tools. This includes automated savings features such as RoundUps and Saving Goals. Users can also get cash back on every purchase, and earn interest on their entire account. We even offer a credit building tool.

Yes! KOHO is offered in both English and French across Canada.

It won’t! You’ll be able to run payroll like normal.




The KOHO Visa* Prepaid card is issued by Peoples Trust Company pursuant to license by Visa Int. *Trademark of Visa Int., used under license. **These services are provided by Service Providers, including Visa, Peoples Trust Company and Galileo Processing. Learn more about your finances with Visa Practical Money Skills.