On-Demand Pay
Earned wages, available before payday
Embedded natively inside the payroll, workforce, or scheduling app employees already use.
No separate app
No employer activation
No added complexity
How it works
Request your first advance in under 3 minutes
Because Clair is embedded inside the platform employees already use, most of the heavy lifting is already done before they ever open the feature.
Underwriting flexibility
Underwriting using the data you have
Many earned wage access solutions are only available to payroll providers. Our proprietary underwriting engine, Clair Atlas, also adapts to data from workforce management apps, scheduling tools, and more.
Payroll
Clair pulls paycheck data to calculate available balances, verify employment, and speed up onboarding. Repayment runs through the payroll cycle—automated with no employer involvement.
Best for
Payroll providers, HCM platforms
Workforce and cashflow
Clair uses time and attendance data to calculate available balances, as well as cashflow signals on non-payroll platforms. Repayment occurs via the employee’s linked bank account.
Best for
Workforce management platforms, scheduling apps, consumer wallets
Tipped earnings
Clair underwrites on tips and wages together. As long as tips are processed through payroll as a pay item, they count toward the employee’s available balance.
Best for
Restaurant POS platforms, hospitality scheduling apps
Compliance
Available across the U.S. and built to stay that way
EWA regulation varies state by state and continues to evolve. Clair monitors legislation across all 50 states and federally, so your platform stays compliant without your team having to track it.
Advances are issued by Pathward®, N.A., a national bank—a structure designed to hold up as the regulatory environment changes.
Real impact
80%
of users strongly agree that On-Demand Pay makes them like their job more
60%
of users say they use, or plan to use, their work app more since starting Clair
74%
of users say Clair has made their experience with their payroll provider better
Source: Internal Clair survey data
What some of our users are saying
“I think the On-Demand Pay is a great program and I wish that more jobs offered similar programs or products.”
“Love that I can use my own money to pay for groceries before my paycheck hits.”
“You guys are such a big help in these hard economical times. I just want you to know that I'm grateful!”
“Love what yall do. Helps me a lot because I don't have weekly checks but I do have weekly bills.”
“Clair rules! I had a few surprise life expenses, and it really helped me out of a bind when my budget was most tight - specifically for an apartment move that was costlier than planned. The service doesn't feel predatory at all, huge respect, I definitely trust Clair so far.”
"Thank you!! This feature is a lifesaver!!”
"Thanks for the advance pay options, helps for those of us forced to literally wait for our next paycheck to afford car repairs.”
On-Demand Pay works wherever you sit in the workforce ecosystem
Each platform has its own workflow, its own relationship with employees, and its own implementation. Explore how Clair fits into yours.
