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On-Demand Pay Solution

Financially stable employees are better for your business

Provide your employees the peace of mind they deserve with On-Demand Pay, a financial wellness benefit allowing them instant access to their earned wages. The best part? Our solution is free for you to offer and requires no changes to your payroll - ever.

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Banking Services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account.

Loved by employees at over 12,000+ employers nationwide

Magnolia
Tim Hortons
DoubleTree
Sheraton
Le Pain Quotidien
SanStone
iCare
Riverview
JMS
UMRH

Financial struggles are a major source of stress for employees

72%

of Americans are financially stressed according to HR.com’s The State of Employee Well-being

46%

Nearly half of employees identify unexpected emergency expenses as the #1 cause of financial stress

2x

Employees going through financial stress are twice as likely to be looking for a new job

5x

Employees with financial stress are 5x more likely to be distracted by personal finances at work

72%

of Americans are financially stressed according to HR.com’s The State of Employee Well-being

46%

Nearly half of employees identify unexpected emergency expenses as the #1 cause of financial stress

2x

Employees going through financial stress are twice as likely to be looking for a new job

5x

Employees with financial stress are 5x more likely to be distracted by personal finances at work

Source: HR.com’s The State of Employee Well-being and PwC's 2023 Employee Financial Wellness Survey

Offer Clair's Financial Wellness benefits for free to reduce financial stress

What can employees do with Clair?

Get paid before payday, for free

When the next emergency comes around, employees can take an advance on their earnings instead of having to miss work.

Clair is a financial technology company, not a bank. Banking Services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account.

Spend with confidence

Employees get a Clair Debit Mastercard® with 40,000 free ATMs* and a banking app that doesn’t charge any of the monthly or minimum balance fees.

Clair is a financial technology company, not a bank. Banking Services provided by Pathward, N.A., Member FDIC. Clair Debit Mastercard can be used for no-fee withdrawals at any U.S. ATMs within the Allpoint network. Fees may apply for international ATM transactions or transactions outside of this network

Save for the future

Employees get access to high-yield savings account**, and 3% cash back*** on gas and groceries, so they can start putting money aside.

Banking Services provided by Pathward, N.A., Member FDIC. ***Cash Back is an optional rewards program offered by Clair. It is not a Pathward, nor Mastercard product or service, nor does Pathward, or Mastercard endorse the program. Requires employer to opt in for user's purchases to be eligible. Cash Back is only available to eligible users for a 90 day period and is limited to the first $2,500 spent using their debit card.

Learn how to manage their finances

Employees get access to free financial education and planning resources, to learn the skills they need to stay afloat financially.

See the impact on every part of your labor strategy

Banking Services provided by Pathward, N.A., Member FDIC.

Productivity

Employees pick up 15% more shifts without adding on extra bonuses‡

Retention

Clair users stay at their jobs 25% longer and save you hiring and onboarding costs‡

Hiring

2x improvement in qualified applicants by offering a highly sought after benefit‡

Do what’s right for your employees too

Save your employees from fees they shouldn’t have to pay

Other Earned Wage Access providers charge transaction fees – and those add up. Clair will never charge employees for advancing the money they've already earned.

Teach employees critical financial management skills

They don’t teach financial management in school. Clair helps employees learn to manage their money with tools that are designed for them.

Help employees save and build an emergency fund

Don't let financial stress affect your employees' work performance. Clair helps employees save and manage their money.

Save your employees from fees they shouldn’t have to pay

Other Earned Wage Access providers charge transaction fees – and those add up. Clair will never charge employees for advancing the money they've already earned.

Teach employees critical financial management skills

They don’t teach financial management in school. Clair helps employees learn to manage their money with tools that are designed for them.

Help employees save and build an emergency fund

Don't let financial stress affect your employees' work performance. Clair helps employees save and manage their money.

Let’s talk

Banking Services provided by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account.

An incredibly easy financial wellness benefit to roll out

No impact or change to payroll

That means no manually uploading wage deductions to your payroll account – ever.

No cost to employers forever

Clair makes money when employees spend their earnings, so we don’t need to charge you fees.

No repayment liability on employers

We’ll never go after you if your employees are unable to pay back their advances.

No change to cashflow

Advances are funded by our partner bank, not by your working capital.

Outside open enrollment

Clair works outside the traditional open enrollment process. Employees can onboard at any time of the year.

No impact or change to payroll

That means no manually uploading wage deductions to your payroll account – ever.

No cost to employers forever

Clair makes money when employees spend their earnings, so we don’t need to charge you fees.

No repayment liability on employers

We’ll never go after you if your employees are unable to pay back their advances.

No change to cashflow

Advances are funded by our partner bank, not by your working capital.

Outside open enrollment

Clair works outside the traditional open enrollment process. Employees can onboard at any time of the year.

Schedule a Demo

Advances provided by Pathward, N.A.

Watch the impact Clair has on organizations of all sizes

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Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, Pathward®, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Clair Savings Account is established by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A.

Standard data charges may apply when using the Clair App. While wage advances are free, certain other fees may apply depending on how users use their account.

Clair Debit Mastercard® can be used for no-fee withdrawals at ATMs in the Allpoint network. Fees may apply for ATM transactions outside of this network. While wage advances are free, certain other fees may apply depending on how users use their account.

**The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid monthly. The interest rate paid on the entire balance will be 1.98% with an annual percentage yield (APY) of 2%. The interest rate and APY may change. The APY was accurate as of 11/04/22. No minimum balance necessary to open the Savings Account or obtain the yield. You must have or obtain a Spending Account in order to obtain and open a Savings Account, and you must be the primary accountholder of your Spending Account. Savings Account funds are withdrawn through the Spending Account, and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.

THIS IS A LOAN SOLICITATION ONLY. MAVERICK PAYMENTS INC, D/B/A CLAIR, IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. (Added 2017, No. 22, § 25.)

‡Clair internal study 06/30/23
‍

Loan fulfillment services including solicitation, arranging, servicing and/or collecting provided by Maverick Payments, Inc. d/b/a Clair NMLS number 2324313.

© 2024 Clair. All rights reserved.

Standard data charges may apply.

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