DailyPay 已赚工资与发薪日数据 API
DailyPay On-Demand Pay 由 DailyPay, Inc. 开发,面向美国已接入该服务的雇主旗下员工,让员工无需等到约定发薪日就能领取已赚取的工资。员工可以查看已上报班次与小费对应的可领取金额,选择即时转入借记卡,或通过 ACH 在下一个工作日转入已关联的银行账户,并查看历次工资记录及留待发薪日领取的余额。应用还提供 DailyPay Card 和 Friday Card、工资直接入账设置、储蓄罐、发薪日自动预留款及身份验证流程。员工可通过电子邮箱、雇主单点登录(SSO)或设备生物识别登录;这是一款与雇主关联的已赚工资提前领取产品,而不是面向消费者的发薪日贷款申请应用。
已赚工资的可领取额度通过 availableBalanceCents、lastShiftReportedAt 和 lastTipReportedAt,将已上报的班次、小费与发薪日余款关联起来。计薪周期记录还包含 grossEarningsAmountCents、netEarningsAmountCents、totalTransferredEarlyAmountCents 和 remainderAmountCents,而 remainderPaymentReceivingAccount 则指明剩余工资的收款账户。薪资对账工具可以跨计薪周期比较这些金额,避免将提前领取的工资与最终结算混为一谈。
转账估算将 nowFeeAmountCents、nextFeeAmountCents 与 dailyWithdrawalLimitAmountCents、remainingWithdrawalAmountCents 和 attemptsLeft 配合使用。已提交的付款包含 paymentId、paymentStatus 和 totalFeeAmountCents,使转账成本监控工具能够将估算结果与付款回执对应起来。收款账户记录则通过 instantEnabled、rtpCreditable 和 reconfirm 支持收款资格核查。
卡片交易记录提供 transactionId、amountCents 和 cashbackAmountCents;储蓄记录提供 balanceCents、fixedDeductionAmountCents 和 targetAmountCents。工资直接入账与身份验证流程还包含 dduStatus、photoIdStatus 和 agreementVersion。在获得适当的员工数据授权后,薪资系统集成方与卡项目团队可以关联这些记录,进行结算对账、收款账户核查及开户进度跟踪。openData Studio 将这一字段级模型转化为可调用的开放数据;此处展示的路径与样例值仅用于示意,并非生产环境连接信息。
应用截图
API 端点一览
以下端点与请求/响应示例均依据应用界面推导重构,为示意说明,并非实际抓包。
加载按需领薪可用余额
GET
/v1/earned-pay/availabilityopenbanking加载首页可用余额卡片,显示雇主在本计薪周期已上报的已赚工资、即时与次日到账通道是否开放,以及阻止转账的各项限制。
认证方式: 使用 Authorization: Bearer <authToken>。员工登录后建立会话;同时发送 Accept-Language、X-Whitelabel-Partner、X-Country-Code 和 X-App-Version 请求头。
- 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 } } }估算按需领薪转账费用
GET
/v1/earned-pay/estimatesopenfinance在员工确认提前领取工资前估算转账费用,列出即时转账与 ACH 的资格、即时与次日到账费用,以及针对所选收款账户剩余的每日提取额度。
认证方式: 使用 Authorization: Bearer <authToken>,并附带 X-Whitelabel-Partner、X-Country-Code 和 X-App-Version 请求头。
- 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" } } } }提交借记卡即时转账
POST
/v1/earned-pay/disbursementsopenbanking在费用估算页面之后,将已赚工资以即时账户入金转账方式转入已关联的借记卡,并返回工资历史记录中对应的 paymentId 与费用。
认证方式: 使用 Authorization: Bearer <authToken>。借记卡转账在提交前可能需要完成 3-D Secure 验证。
- 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" } }列出工资历史记录
GET
/v1/payroll/periodsopenfinance为工资历史页面分页列出已结束与当前计薪周期,分别显示班次收入与小费收入,并区分已提前领取的金额及发薪日尚应支付的余款。
认证方式: 使用 Authorization: Bearer <authToken>,并附带 X-Whitelabel-Partner 和 X-Country-Code 请求头。
- 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 } } ] } } }读取工资与结算详情
GET
/v1/payroll/periods/{payPeriodId}/settlementopenfinance从工资历史记录打开单个计薪周期,查看已提前领取的工资、发薪日预留的扣款,以及发薪日接收余款的银行账户或卡片。
认证方式: 使用 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 } ] } } } }读取 DailyPay Card 余额
GET
/v1/spending-card/positionopenbanking读取卡片标签页展示的 DailyPay Card / Friday Card 可用消费余额,并显示工资直接入账是否已设置为转入该卡。
认证方式: 使用 Authorization: Bearer <authToken>,并附带 X-Whitelabel-Partner 请求头。
- 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" } }列出 DailyPay Card 交易
GET
/v1/spending-card/activityopenbanking分页读取打开卡片后交易与历史页面使用的 DailyPay Card 账目,包括已经入账的返现。
认证方式: 使用 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 }读取储蓄账户概况
GET
/v1/reserves/positionopenfinance返回储蓄资金余额,以及发薪日自动扣款和消费凑整储蓄是否开启,用于展示首页储蓄罐卡片。
认证方式: 使用 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 }列出储蓄罐
GET
/v1/reserves/goalsopenfinance列出员工可使用已赚工资或发薪日预留款注资的具名储蓄罐,与储蓄罐介绍及资金转入页面展示的内容一致。
认证方式: 使用 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" } ] }启动银行账户关联会话
POST
/v1/receivers/bank-linkopenbanking从发薪设置或转账流程中的添加银行账户页面启动托管式银行关联会话,将支票账户或储蓄账户设为收款账户。
认证方式: 使用 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" }读取已关联银行账户
GET
/v1/receivers/banks/{uuid}openbanking返回已关联收款银行账户的路由号码与账号末四位、即时转账与实时支付(RTP)标记,以及员工是否必须在下次发薪日余款入账前重新确认该账户。
认证方式: 使用 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 }接受 SSN 用户协议
POST
/v1/identity/ssn-consentsosint记录开卡与身份验证时收集的 SSA/SSN 消费者档案协议,将已接受的协议版本与员工的 userUuid 关联。
认证方式: 使用 Authorization: Bearer <authToken>。身份验证状态决定是否具备转账资格。
- 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" } }读取卡片工资直接入账状态
GET
/v1/spending-card/payroll-routingopenfinance报告员工是否已将工资直接入账切换至 DailyPay Card(DDU);这一设置可为 Friday / DailyPay 持卡人开通免手续费的即时转账。
认证方式: 使用 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 }添加转账原因
POST
/v1/earned-pay/annotationsopendata保存员工在按需领薪转账后自行填写的原因,将 reasonType 和 reasonText 关联至 employeePayment,以便后续分析。
认证方式: 使用 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" } } }
数据类别
- 已赚工资
- 余额
- 计薪周期
- 转账
- 费用
- 银行账户
- 借记卡
- 储蓄
- 工资直接入账
- 客户身份验证
数据使用场景与案例
已赚工资与发薪日余款对账
薪资及已赚工资提前领取(EWA)运营团队按计薪周期获取 availableBalanceCents、advancedAmountCents 和 remainderAmountCents,再核对 remainderPaymentReceivingAccount,确认提前领取工资后,剩余的 netEarningsAmountCents 将汇入哪一个银行账户或哪张 DailyPay Card。
即时转账费用与额度监控
转账风险监控机器人读取估算结果中的 nowFeeAmountCents、nextFeeAmountCents、dailyWithdrawalLimitAmountCents、remainingWithdrawalAmountCents 和 attemptsLeft,再跟踪已提交的账户入金转账(AFT)中的 paymentId 与 totalFeeAmountCents。
收款账户与实时支付资格核查
资金管理工具列出已关联银行账户的 routingNumber、accountNumber、instantEnabled、rtpCreditable 和 reconfirm,以及借记卡的 fridayCard、primary 标记,确保发薪日余款与即时转账仅发往确实能够收款的账户。
工资直接入账切换与身份验证条件
卡项目运营团队结合 dduStatus、photoIdStatus 及已接受的 SSN 协议版本 agreementVersion,判断何时已开通免手续费的 DailyPay Card 转账,以及何时身份验证仍限制 pullAdvance.canTransfer。
常见问题
哪些字段描述了发薪日前可领取的已赚工资?
余额快照包含 availableBalanceCents、availableBalance、lastShiftReportedAt、lastTipReportedAt、totalBonusAmountCents 和 minAdvanceAmountCents。转账资格指标包括 canTransfer、instantAvailable、photoIdStatus 和 transfersDisabledReason。
转账示例如何区分费用、额度与结算?
转账估算包含 validAmount、instantUnlocked、achUnlocked、nowFeeAmountCents、nextFeeAmountCents、dailyWithdrawalLimitAmountCents、remainingWithdrawalAmountCents 和 attemptsLeft。已提交的付款包含 paymentId、paymentStatus 和 totalFeeAmountCents;计薪周期记录则另行跟踪 totalTransferredEarlyAmountCents 与 remainderAmountCents。
字段模型是否涵盖关联银行账户、卡片交易与储蓄?
是的。关联银行账户包含 routingNumber、accountNumber、instantEnabled、rtpCreditable 和 reconfirm。卡片记录包含 availableBalanceCents、ledgerBalanceCents 和 cashbackAmountCents;储蓄记录包含 balanceCents、fixedDeductionAmountCents 和 targetAmountCents。工资直接入账的切换状态以 dduStatus 表示。
这些是否为生产环境连接信息?展示了哪种身份认证方式?
路径与示例仅用于示意,并非生产环境连接信息。身份认证模型使用员工会话的 Bearer 令牌,并按需附带语言、合作伙伴、国家及应用版本请求头。访问员工余额、收款账户与身份记录需要适当授权。
与 DailyPay On-Demand Pay 相似的应用
- Payactiv — Payactiv 是与雇主对接的已赚工资提前支取服务:符合条件的员工可领取已经挣到但尚未发放的部分工资,始终提供免费选项且不要求打赏,领取金额通过工资单扣回,而不是贷款。
- EarnIn — EarnIn 的 Cash Out 面向美国打工者,可支取已经挣到的工资:每日最高 200 美元、每个发薪周期最高 1,000 美元,无信用审查、无利息,普通转账通常 1–2 个工作日到账且无强制费用。
- Branch — Branch 是面向雇主的劳动力支付平台,员工可在不更改直接存款的情况下,通过公司应用或 Branch 应用提前支取已经挣到的工资。
- Tapcheck — Tapcheck 是雇主提供的当日发薪福利,下班后最高可支取税后净收入的 70%,可转入银行账户或 Tapcheck Mastercard,员工只需支付一笔类似 ATM 的手续费。
- ZayZoon — ZayZoon 是职场应用,已接入其薪酬合作伙伴的雇主员工可在发薪日前支取已赚工资,并提供应用内折扣、奖励和理财教育工具。
- Stream — Stream 的 Pay 是仅通过合作雇主提供的已赚工资提前支取服务,在同一职场应用里结合灵活领薪、预算工具和专属折扣。
- OnePay @Work — OnePay @Work(原名 Even)是免费的雇主福利,Instapay 可让员工按已工作净收入的一定比例提前领取,普通到账免费,是否免即时到账费取决于雇主配置。
- Brigit — Brigit 的 Instant Cash 可垫付 25–500 美元,无信用审查、不收滞纳金,月费 8.99–15.99 美元,可选加急到账,多数会员约 20 分钟内收到。
相关主题
- DailyPay API
- 已赚工资提前领取
- 按需领薪
- availableBalanceCents
- 薪资对账
- 发薪日余款
- remainderAmountCents
- nowFeeAmountCents
- DailyPay Card
- Friday Card
- 工资直接入账 dduStatus
- 已赚工资转账费用
需要集成这个 App 的数据 API?
我们可为任意指定 App 交付定制集成——源码交付 USD 500 起,或托管 API 按调用计费。告诉我们您需要的数据即可。
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- 3–7 天交付
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- 仅在授权范围内作业