Embedded payroll and earned wage access providers: market share 2026
- Gusto Embedded is the most-named embedded payroll or earned wage access provider, linked to 38 companies through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
- The 5 most-named embedded payroll and earned wage access providers are Gusto Embedded (38), Check (22), Salsa (16), ADP (10) and Remote (7), by number of linked companies (Embedded Finance Index, October 2026). Details →
- 16 embedded payroll and earned wage access providers are linked to two or more companies, across 181 documented relationships (Embedded Finance Index, October 2026). Details →
- The top 5 embedded payroll and earned wage access providers account for 51.4% of all documented embedded payroll or earned wage access provider relationships (Embedded Finance Index, October 2026). Details →
How often fintechs disclose their embedded payroll or earned wage access provider 2026
- 2.5% of fintechs publicly name their payroll provider (166 of 6,588 companies analyzed) (Embedded Finance Index, October 2026). Details →
- Of fintechs that disclose anything about their payroll stack, 39.1% name only an own-brand product rather than the underlying provider (Embedded Finance Index, October 2026). Details →
Embedded payroll and earned wage access providers by region 2026
- Gusto Embedded is the most-named embedded payroll or earned wage access provider among fintechs headquartered in the US, linked to 32 companies there through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
How to cite these statistics
Embedded Finance Index, October 2026, published by Apideck. https://www.embeddedfinanceindex.com/statistics/payroll. Figures are recomputed as dossiers are added; quote the month alongside the number.
Statistics by category
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