DailyPay

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website (DailyPay): https://www.dailypay.com/
• DailyPay Customer Support, 24/7: 1-866-432-0472
• DailyPay support email: [email protected]
• DailyPay User Help Center: https://help.dailypay.com/hc/en-us

Locations

DailyPay problems: contact, fees, cancelling and escalating (checked October 6, 2026)

DailyPay is not a lender you choose directly: the company says it provides employers with a platform through which employees can access their earned pay, so access depends on your employer taking part. Most problems (a transfer that has not arrived, a balance that looks wrong, a card or direct-deposit change) start with DailyPay support.

Contact. DailyPay's FAQ says: "You can reach DailyPay Customer Support by calling 1-866-432-0472. Available 24/7, closed on select U.S. holidays," and lists [email protected] and live chat through help.dailypay.com. Keep the date, amount and transfer reference of any disputed transfer.

What it costs, as the company states it. The Program Terms (last updated June 3, 2026) list a next-business-day ACH transfer at $0.00 and an instant transfer at "$1.99-$3.99," and say instant fees "vary by employer" and may be reduced or waived. DailyPay's Help Center article on instant transfers (opened 2026-10-07) states a different range: the fee "varies by employer and ranges from $2.49 to $3.99," and says DailyPay will tell you the fee "before your transfer request is processed"; the two company pages are shown side by side here, so check the fee on the confirmation screen before you confirm. The next-business-day Help Center article says that option takes "1-3 business days" and is "always free." The Program Terms add: "We will not require you to pay any other charges or fees to access your Daily Earnings." The FAQ says you can transfer up to 100 percent of what is shown as available and up to $1,000 a day, up to five times a day.

How repayment works, per the Program Terms. The terms describe a non-recourse arrangement: if the employer does not pay DailyPay the amount of the Daily Earnings, "you will owe us nothing," and DailyPay says it will not take payment from your regular accounts, engage in debt collection, sell the amount for collection or report you to a consumer reporting agency. The terms also say that, after a technical or administrative error, DailyPay may settle the amount against your next paycheck, and may do so without agreement if the amount is $20.00 or less. The New York Attorney General disputes the company's characterization of this structure in court (see the litigation section).

If a transfer does not arrive. DailyPay's Help Center says that when an instant transfer fails you get an error message and "the amount will return to your available earnings balance." It suggests checking that the debit card is not locked, checking in the app settings that a replaced card's number and expiration date are current, calling your bank on the number on the card, and then contacting DailyPay Support. The same article suggests a next-business-day transfer or a different debit card as alternatives, and the instant-transfer article says most instant transfers arrive within 30 minutes and, in rare cases, may take up to 24 hours (opened 2026-10-07).

Cancelling and closing. The Program Terms say: "You may cancel your participation in the DailyPay On-Demand Pay Program at any time, through the DailyPay mobile application or by contacting us at [email protected], without incurring a penalty." On cancellation the company may tell your employer your Primary Bank Account so pay can be redirected, which "may take one (1) to two (2) pay periods" if you have accessed earnings not yet repaid through payroll. Cancelling the program does not close your DailyPay account or end marketing consent; the Terms of Service say to close the account in account settings on the site or app, or to email [email protected] if that fails. The Help Center cancellation article (opened 2026-10-07) gives the app path: open the menu, then Settings, then "Account cancellation," then "Cancel my account." It warns that if you close the account after making transfers in the current pay period, DailyPay will deposit your paycheck on your next payday, and after transfers made with continuous access over two pay periods, on your next two paychecks; after that, it says, your employer deposits your paychecks. They also say the DailyPay Card is held by the issuing bank and governed by its cardholder agreement.

Before suing. The Terms of Service (section 23) contain a binding arbitration agreement and a class-action waiver, with a right to opt out within 30 days after first becoming subject to it by written notice to [email protected]. Whether and how those terms apply to you is a question for your own advisor.

Escalating. If DailyPay does not resolve a problem, the CFPB accepts complaints about financial products and services at consumerfinance.gov/complaint, and you can also contact your state attorney general or state financial regulator. Complaints are consumer submissions and are not findings.

Regulators and agencies: New York Attorney General petition (April 2025) and CFPB advisory opinion (December 2025)

New York Attorney General, petition filed April 14, 2025. The Attorney General's press release says she sued "DailyPay, Inc." alleging that its paycheck advances are illegal high-interest loans. The verified petition (New York Supreme Court, New York County, Index No. 154851/2025) alleges that DailyPay's fees of $2.99 or $3.49 on small advances amount to usurious annualized rates, that its "most common loan" is "a seven-day, $20 Paycheck Advance for $2.99" with an annual rate "above 750%," and that the arrangement violates New York's usury and wage-assignment laws and is deceptive. The petition seeks to end the practice in New York, restitution and civil penalties. These are allegations in a pending case; the proceedings are described under litigation.

DailyPay's position. In its own press release the company says its service "is not a loan," that it offers no-fee next-day transfers and a fee for optional instant transfers, that users have no obligation to pay back DailyPay if an employer does not fund payroll, and that it supports state legislation to regulate earned wage access.

CFPB advisory opinion, published December 23, 2025. The CFPB issued an advisory opinion (Truth in Lending (Regulation Z); Non-application to Earned Wage Access Products) saying that what it calls "Covered EWA" is not credit under Regulation Z: "Fundamentally, Covered EWA resembles early wage payment and does not resemble an extension of credit." The opinion defines Covered EWA by conditions, including payroll-based accrued wages and a payroll process deduction with no recourse against the consumer, and it does not name DailyPay. It applies only to products that meet every condition of the opinion's "Covered EWA" definition, and the opinion itself says "nothing in this advisory opinion interprets provisions of law outside of Regulation Z." It therefore does not decide state-law questions such as New York usury law, which is what the pending state case concerns, and it does not say whether DailyPay's product meets each condition.

No CFPB enforcement action or consent order naming DailyPay was identified in the sources checked on 2026-10-06.

DailyPay, LLC: who operates DailyPay and how it works

DailyPay's Terms of Service name DailyPay, LLC as the provider of its services; the New York Attorney General's petition and some class-action complaints name DailyPay, Inc., and BBB lists DailyPay, Inc. as an alternate name. The company is headquartered at 55 Water Street, New York. It says on its About page that it was founded in 2015 and that it is "Trusted by 2,000+ employers and 6M+ employees"; these are company figures. Nelson Chai is listed there as Chief Executive Officer.

How the service works, in the company's words. The Terms of Service say DailyPay "provides employers with access to a platform" for On-Demand Pay, and the FAQ says DailyPay is software that "easily integrates with a company's payroll and time management systems" and gives employees "early access to their earned pay." The user chooses a transfer speed; the Program Terms say a user who accesses earnings gives DailyPay "all right, title, and interest to the related Daily Earnings," and DailyPay then "stand[s] in your shoes" to receive payment from the employer through payroll.

Recent company announcement. In a press release dated September 29, 2026, DailyPay said it introduced a "deductions method" for On-Demand Pay, under which "On-Demand Pay transfers are deducted from the employee's paycheck through a standard payroll deduction," offered alongside its existing full-funding method. This is a company-announced product change for employers; its effect on any individual employee's program is not independently verified here, and the press release does not mention the New York case.

DailyPay Card. DailyPay also offers a Visa prepaid card that, per its card page, is issued by The Bancorp Bank, N.A., Member FDIC; the company says DailyPay itself is not FDIC-insured.

Funding and growth, per the company. The About timeline lists funding rounds from 2016 to 2024, an expansion of total borrowing capacity to $960 million in 2026, and a first asset-backed securitization of On-Demand Pay receivables in 2025. These are company statements and are not verified here.

Complaint record as displayed on October 7, 2026

These figures come from separate sources and are not added together; complaints and reviews are consumer-submitted and are not findings by us.

• CFPB database (company name "DailyPay, Inc"): 250 complaints received between 2019-01-15 and 2026-09-20, with 134 received since 2025-10-07 (date-range query run on 2026-10-07). By product, the largest groups are money transfer, virtual currency or money service (95), payday loan, title loan, personal loan or advance loan (54), checking or savings account (50) and prepaid card (40). The most frequent issue labels are managing an account (38), unexpected or other fees (26), money was not available when promised (18), problem with a purchase or transfer (18) and issues with repayment (17). Company responses: closed with explanation (242) and closed with monetary relief (8); 245 were marked timely and 5 were not. The product and issue labels are chosen by the consumer when filing.
• BBB (profile for DailyPay, LLC, New York): BBB Accredited, rated A+; 917 total complaints in the last 3 years and 259 closed in the last 12 months; 3.97 out of 5 from an average of 1,610 customer reviews. BBB's raw page data gives accredited 2017-05-22, file opened 2016-08-17 and business started and incorporated 2015-08-21. The profile also displays a notice of the pending New York Attorney General action.
• Trustpilot (dailypay.com): TrustScore 4.1 from 3,614 reviews (1,197 of them in the last 12 months, per the page); claimed profile; the company invites reviews and, per the page, replied to 95 percent of negative reviews.

This site's archive. A search of this site's complaint archive on 2026-10-06 did not identify any posts about this company; results for similar phrases concerned unrelated businesses, so no complaints are linked to this page.

Lawsuits involving DailyPay (dockets checked October 6-7, 2026)

People of the State of New York v. DailyPay, Inc. (state court). Filed April 14, 2025 in New York Supreme Court, New York County (Index No. 154851/2025). DailyPay removed it to the Southern District of New York (No. 1:25-cv-03439); the court granted the State's motion to remand on September 19, 2025 and the case was sent back on September 23, 2025. Payments Dive reported that DailyPay moved to dismiss in January 2026, asking in the alternative that the special proceeding be converted to a plenary action, that the State opposed, and that as of April 14, 2026 Justice Alexander Tisch had set an April 10 deadline for motion filings with no hearing date. The federal docket (Justia mirror, opened 2026-10-07) shows the remand order of September 19, 2025 and the remand to state court on September 23, 2025. No ruling on the motion to dismiss was identified in the sources checked on 2026-10-06 and 2026-10-07; the state court's electronic filing system (NYSCEF) was not opened, so the current status of the state case is not stated here.

DailyPay, LLC v. James (S.D.N.Y. No. 1:25-cv-02849). DailyPay sued the Attorney General in federal court in April 2025 seeking a declaration that its product is not a loan. The docket shows the Attorney General's response was stayed pending the remand motion in the other case, and a Notice of Voluntary Dismissal was entered on December 5, 2025.

Class actions under state payday-lending laws. Two putative class actions filed by individual users allege that DailyPay's advances are loans under state law:

• Higuera v. DailyPay, LLC (N.D. Ill. No. 1:25-cv-11059), removed on September 12, 2025 from the Circuit Court of Cook County; the complaint invokes the Illinois Predatory Loan Prevention Act. In October 2025 the defendants filed motions to compel arbitration and to dismiss. On October 22, 2025 the court noted that DailyPay, Inc. had converted to DailyPay, LLC, substituted DailyPay, LLC and dismissed DailyPay, Inc. The plaintiff filed a notice of voluntary dismissal with prejudice on December 8, 2025, and on December 22, 2025 the court's minute entry says the notice is self-effectuating, the complaint is dismissed with prejudice, all pending motions are denied as moot and the case is closed. The docket does not state the reasons or any terms.
• Davis v. DailyPay, Inc. (N.D. Ga. No. 1:25-cv-03204), filed June 6, 2025 under the Georgia Payday Lending Act. After a joint motion to stay pending settlement, the plaintiff's stipulation of dismissal was approved and the case closed on December 16, 2025; the docket does not state the terms.

Amicus filings. In June and July 2026 DailyPay, LLC, with Stream Platforms, Inc. and ZayZoon US Inc., filed amicus briefs in Second Circuit appeals in Lowe v. MoneyLion Technologies, Feeman v. Bridge It and Burkhardt v. MoneyLion Technologies, which concern other earned-wage-access providers. DailyPay is not a party in those appeals.

The company's contract terms, including an arbitration agreement and class waiver, are summarized in the practical section. Complaints in these cases are allegations, not findings.

Is DailyPay Legitimate?

DailyPay, LLC identifies itself in its Terms of Service, gives a New York headquarters address (55 Water Street) and a 24/7 support line, and appears on BBB as an Accredited business with an A+ rating as displayed on 2026-10-07. Its card is issued by The Bancorp Bank, N.A., Member FDIC, per the company.

The public record also includes a pending New York Attorney General lawsuit alleging usurious and deceptive lending, which DailyPay disputes; a December 2025 CFPB advisory opinion treating employer-integrated earned wage access of a defined kind as not credit under Regulation Z; and 250 CFPB database complaints and 917 BBB complaints over the periods stated above, alongside a 4.1 Trustpilot score. These are documents to weigh yourself; this page does not assign DailyPay a score or a verdict.

Court & Public Records

Company Relationships

• Formerly known as: DailyPay, Inc.
• Affiliated with: The Bancorp Bank, N.A.

Frequently Asked Questions