EarnIn vs Mastercard
Side-by-side comparison of AI visibility scores, market position, and capabilities
EarnIn offers on-demand earned wage access, letting workers withdraw up to $150/day against earned pay with no mandatory fees, and is expanding into B2B payroll and employer-sponsored EWA.
About
EarnIn is a Palo Alto-based fintech company founded in 2012 that pioneered the consumer earned wage access (EWA) category. Its flagship Cash Out feature allows workers to access up to $150 per day (up to $1,000 per pay period) from wages they have already earned but not yet received, with no mandatory fees, no interest, and no credit check. Users can optionally tip or pay an express fee for instant transfers. The company estimates it processes approximately 1% of US paychecks and has expanded its reach to more than 12,000 employers across the United States.
Purchase NY payment network (NYSE: MA) at $28.2B 2024 revenue, $500B+ market cap; $9T+ gross dollar volume, Recorded Future $2.65B cybersecurity acquisition, Services >35% revenue competing with Visa.
About
Mastercard Incorporated is a Purchase, New York-based global payment technology network — publicly traded on the New York Stock Exchange (NYSE: MA) as an S&P 500 Financials component with a market capitalization exceeding $500 billion — operating a four-party payment network connecting approximately 3.4 billion cardholders, 90+ million merchant acceptance locations, and 25,000+ financial institution issuers across 210+ countries and territories through approximately 34,000 employees. In Q1 2025, Mastercard reported revenue of $7.3 billion (+14% year-over-year) and diluted EPS of $3.73 (+13%), continuing a trajectory from full-year 2024 revenue of $28.2 billion. Mastercard's network processes over $9 trillion in gross dollar volume annually across credit, debit, and prepaid products. In September 2024, Mastercard acquired Recorded Future for $2.65 billion — the world's largest threat intelligence company — expanding Mastercard's cybersecurity services beyond payment fraud into enterprise security intelligence. Mastercard reorganized its business in April 2024 into three segments: Core Payments, Commercial & New Payment Flows, and Services (the fastest-growing segment, now exceeding 35% of total revenue).
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