Partner support

Clair builds embedded financial solutions so that our partners can build highly engaged mobile experiences with in-demand products. For more information on how your platform can benefit from Clair, please contact us today at partnerships@getclair.com or schedule a demo.

When you partner with Clair, a button will be integrated into your user experience which opens a widget for Clair profile creation. The employee is guided through identity and eligibility verification to determine if earned wage access is available for them. If identity or eligibility requirements are not met, we will be unable to offer EWA loans for that employee and they will be sent a Notice of Adverse Action as required by law.  If they pass this section, they will be able to advance against any hours worked within the pay period as soon as they have accrued over the $50 minimum and up to $200 maximum. All Advances are originated by Pathward®, N.A.

Clair partners with HR Tech companies to provide an embedded solution that offers EWA directly to employees in the partner mobile app. With this embedded experience, employees can access wage advances without any impact to Employers or changes to payroll, it also removes all the need for HR teams to do any heavy lifting. Although clients will retain the right to opt out of providing Clair’s services to their employees, no lift is required from employers to provide this wonderful benefit to their employees. All Advances are originated by Pathward®, N.A.

In order to underwrite earned wage access (EWA) loans for the employee, Clair needs to be able to access certain data. We use the pay rate and time clock data of the employee to calculate their gross earnings. Of those gross earnings, the employee is able to access 50%, up to the limit of $200, through EWA loans. This way the employee will always have enough left in their paycheck to cover their deductions, and also reduce the possibility of borrowing more than they are able to pay back. By using this tangible data, we are able to offer these loans to the employee through our Partner bank, Pathward. The limits on EWA are: Each loan must be a minimum of $50 and a maximum of $200, and the user may only take advances on shifts that have been completed and reported to Clair through integration. FAQ What APIs does Clair have? Clair provides a RESTful API for the transmission of data necessary to power its EWA product. As we work together as partners and design how you’ll bring EWA to employees on your platform, API documentation will be provided detailing the data that will be needed. The EWA product itself where employees interact to take loans, view statements, etc is delivered as an embeddable component that you simply launch in a WebView. Clair will need data about the employees (name, email, phone, address), their employers (company name, location), and their employment (salary, termination, attendance) to facilitate onboarding and underwriting. The specific scope of this data will be worked on together through our partnership. All Advances are originated by Pathward®, N.A.