On-demand pay access

Give workers that payday feeling as soon as they clock out of work

Easy as 1, 2, 3

Employees sign up for Clair and set up direct deposit

Signing up for a Clair account is just one additional step in the employee or contractor onboarding process. After collecting consent from workers, platforms pass on their I-9 or W-8 data via APIs and we take care of the rest.

Employees request advances based on hours worked

We take employees’ time and attendance data and offer them advances based on their hours worked. They can then advance their wages at no cost.

5 hours @ $15/hr = $75 earned

"You can advance up to $75 today"

Clair automatically deducts advances on the next payday

Clair deducts any advances made on payday. We are solely responsible for ensuring that we are repaid by our users.

$1000 paycheck

$925 net pay

Less financial stress means more productive employees

Decrease Stress and Increase Productivity

A study of 10,000 workers by Salary Finance found that employees who are worried about money are:

5.8x more likely to miss deadlines
2.2x more likely to seek employment elsewhere
3.4x more likely to experience anxiety
4x more likely to suffer from depression
4.9x more likely to produce lower quality work

By giving workers on-demand access to their pay, they don't have to take out high-interest payday loans just to make ends meet. Less financial stress at home means more they can put their best foot forward at work.

An all around benefit

With on-demand pay, employers benefit from…

Reduced turnover

Studies show 20-40% reduction in turnover with on-demand payment benefits

Employer of choice branding

Attract and retain employees with a differentiated benefit

Decreased costs

On average, employers spend $4.43 per employee, per pay cycle on check cutting costs

...and employees get a much needed financial product

No more payday loans

12M Americans rely on high-APR payday loans each year. By having on-demand access to earnings, workers can say goodbye to avoidable loans.

Savings toward their future

Employees receive a savings account with optional savings reminders.

Boycott fees

Expect to pay no bank fees or fees for wage advances, in-network ATM withdrawals, and ACH transfers.

12 weeks from start to finish

Implementation timelines vary, but we can have you up and running in as short as 12 weeks.

Test
Integrate
Sell

We can put together a proof of concept in a few weeks.

Every platform is different. We work closely with all our partners to understand your fintech requirements so we can quickly define use cases and ensure that we minimize development work down the line.

Average Time: 3 weeks

Well scoped requirements, clearly defined APIs

As a technology-first company, we understand that development teams have a long list of pre-defined priorities. We try to minimize our impact on them by providing APIs with a clearly-defined integration guide.

See our APIs in action