EarnIn partners with Upside to expand access to everyday cash back

Washington, D.C., October 14, 2025 — Upside, a digital marketplace that connects retailers with new and existing customers through personalized cash back offers, today announced a partnership with EarnIn, an earnings management platform. Through this integration, millions of EarnIn users can now access Upside offers directly within the EarnIn app, stretching their dollars further on the things they need most. Deals include up to 11% cash back on groceries, 22¢/gal cash back on fuel, and 24% cash back at restaurants.

“At EarnIn, our goal has always been to bring people closer to their earnings and give them greater control over their money,” said Raghu Mittal, GM, Marketplace at EarnIn. “By bringing Upside’s personalized promotions into our app, we’re helping our community not only access their wages early but also maximize their purchasing power on the essentials they rely on every day.”

The integration is powered by an API connection, which enables Upside’s dynamic promotions to appear natively in the EarnIn app. This seamless distribution meets users where they already transact while delivering measurable results for Upside retailers.

“Partnering with EarnIn expands Upside’s mission to put more economic power in people’s hands,” said Chad Crutchfield, Upside’s Vice President of Strategic Partnerships. “It stretches EarnIn users’ dollars on essentials and brings our retailers a whole new set of loyal customers.”

Upside helps consumers earn 3.0x more cash back than other apps on everyday purchases. Reaching 35 million consumers through its app and partner network – up to three times the reach of industry peers – Upside connects shoppers via banking apps, gig economy platforms, and fintech tools. At the same time, retailers use Upside to attract new customers, boost repeat visits, and drive incremental profit through measurable, attributable transactions.

EarnIn provides access to more than $25 billion in earnings each year. To date, the app has been downloaded 27 million times, its community has generated more than 750,000 customer referrals, and it has earned over 550,000 five-star reviews. 

Discover how to bring Upside’s personalized promotions to your users: upside.com/partnerships.

ABOUT UPSIDE

Upside is a digital marketplace that connects millions of consumers with brick-and-mortar retailers nationwide. Since 2016, Upside’s personalized offers have empowered individuals to gain greater purchasing power for their essential needs while helping businesses achieve measurable profits. Billions of dollars in commerce run through the Upside platform annually, directly benefiting retailers, consumers, and sustainability initiatives. For more information, visit www.upside.com.

ABOUT EARNIN

EarnIn offers an earnings management platform that helps people take control of their money and build momentum. With tools like on-demand pay, early paycheck access, credit-building, and real-time streaming pay subject to customer’' pay period max, EarnIn provides flexible ways to access and manage earnings — all without interest, hidden fees, or credit checks. EarnIn is a financial technology company, not a bank. Banking services are provided by our Bank partners. See earnIn.com for details.