DoorDash Instant Pay: What It Is and How It Works

By: // Updated: September 23, 2020

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When you’re a DoorDash delivery driver, you have a great opportunity to earn extra money, all while setting a flexible schedule for yourself, earning tips, and enjoying all the other perks that come with being an independent contractor.

You may have wondered, however, if there’s a way for you to get paid faster than the standard direct deposit. After all, things come up, and sometimes you need your money sooner than you’re scheduled to get paid.

If you’ve worked as a Lyft or Uber driver, you may have used or heard of the Instant Pay or Express Pay options, which both allow drivers to cash out their earnings instantly. Does DoorDash have a similar option?

In July 2018, DoorDash introduced Fast Pay, which allows dashers to receive their earnings instantly. In this post, we’re going to take a look at how the Fast Pay program works and how you can set it up. We’ll also answer some common questions that dashers have about using Fast Pay.

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What Is Fast Pay?

DoorDash Instant Pay

Fast Pay solves a problem that has plagued workers since time immemorial: how do you bridge the gap between when you get paid and when you need your money? It would be great if payday aligned with when your bills were due, but this isn’t always the case.

Traditionally, you have to turn to exploitative payday loan companies, who charge high fees and interest rates in exchange for advances on earnings. Nowadays, however, there are better options. Delivery companies like DoorDash have recognized that they can do a great service to their contractors by offering their own form of earning advances (without the astronomical interest rates).

This doesn’t mean DoorDash is completely altruistic in offering Fast Pay to dashers. They do charge a $1.99 fee for the service. Compared to the interest rates and fees for payday loan companies, however, this fee is minuscule.

When you use Fast Pay, DoorDash transfers your earnings instantly. This is much quicker than the standard pay schedule, in which payments are sent after midnight PST each Sunday. Even on this standard schedule, it can take a few days for the funds to be available in your bank account. Knowing this, you can see just how much faster Fast Pay is (and why DoorDash charges a fee).

How Do You Use Fast Pay?

Setting up Fast Pay is simple. To start, you’ll need to meet the following criteria:

  • Be in a U.S. market (Canadian dashers can use DailyPay, which is a similar service)
  • Have an active dasher account
  • Have completed at least 25 lifetime deliveries
  • Have been on the DoorDash platform for two weeks

As long as you meet these requirements, you can use Fast Pay. To set it up, follow these steps:

  1. Visit the Earnings section of your app and click the “Set Up Fast Pay” banner.
  2. Ensure your Direct Deposit is linked to your personal bank account, and then click “Set up Fast Pay” again.
  3. From there, enter the requested details for your debit card.

You’ll be able to use Fast Pay as soon as you’ve signed up. You can access Fast Pay within the “Earnings” section of the DoorDash app. To transfer your earnings, click on the “Use Fast Pay” banner.

Doordash Fast Pay FAQ

DoorDash Instant Pay: What It Is and How It Works

Now that you understand what Fast Pay is and how to use it, let’s look at some common questions that dashers have about this feature. Since DoorDash only launched it back in July 2018, it’s understandable to have some questions about it.

1. When will the Fast Pay funds be available in my bank account?

This is a tricky question. DoorDash transfers the money instantly, but when it appears in your bank account depends on how quickly your bank processes incoming payments. It could be a few days before the funds are fully available to use in your debit card account. Particularly if this is your first time using Fast Pay, your bank might put a hold on it to review the transaction.

2. How will I know when the Fast Pay funds have transferred?

For each completed Fast Pay transaction, DoorDash will send you a confirmation email. This email will show the amount of the transfer and when it occurred.

3. Where is Fast Pay available?

Fast Pay is available to all dashers in the U.S. who meet the requirements we outlined in the previous section. There are no restrictions for Fast Pay based on your city.

4. Can I use a prepaid card or credit card for Fast Pay?

You must have a debit card account to use Fast Pay. Other types of cards are not eligible for the program.

5. How often can I cash out my earnings using Fast Pay?

You can cash out your earnings up to once per day, at any time you like (even on weekends). However, do note that some banks limit the number of debit card transactions per day for security reasons.

If you have a lot of other transactions in one day, then Fast Pay may not work. This has nothing to do with DoorDash, so be sure to speak to your bank if you’re having any issues receiving Fast Pay transfers.

6. Can I cancel Fast Pay transfers?

No, you cannot. Once you’ve initiated the transfer, it will proceed. Therefore, be sure that you want to transfer your earnings before you do so.

7. Why is my available balance $0?

Any earnings that you don’t transfer by Sunday at 11:59:59 p.m. (PST) will be deposited to your checking account using the regular weekly payment. This will be available in your bank account 2–3 business days later.

8. I’m a Canadian dasher. When is Fast Pay coming to Canada?

Fast Pay is only available in the U.S. currently, but Canadian dashers have access to a similar program called DailyPay. Note that this is a third-party contractor working with DoorDash to provide instant payments to Canadian dashers. To learn more, consult the DailyPay information page on the DoorDash website.

9. Do other food delivery apps offer a service similar to Fast Pay?

Currently, other food delivery services such as Grubhub, Postmates, and Instacart do not offer any kind of instant payments to drivers. Uber Eats does offer Instant Pay (just as with payments for giving Uber rides). Caviar also offers an instant payment option using the Cash App.

Fast Pay could be a compelling reason to drive for DoorDash over other apps. However, the fact that Uber Eats and Caviar also offer similar options somewhat lessens this advantage.

10. How can I get help with problems related to Fast Pay?

For assistance with Fast Pay (and all other questions related to working for DoorDash), you should contact DoorDash driver support.

Get Your Money When You Need It

Now that you’ve read this guide, you should have an understanding of how DoorDash Fast Pay works, as well as how to use it. It’s a powerful tool for you as a driver: For just a small fee, you can have instant access to the money you’ve earned.

This is a major advance compared to the scammy payday loan companies you would have had to use in the past. We hope that more food delivery and other gig economy apps will embrace a similar model, as doing so is financially beneficial to both drivers and companies.

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