Payroll platforms
Add On-Demand Pay to your payroll product
Clair integrates directly with your payroll system to underwrite employees using the data you already have. Your customers’ payroll run stays exactly as it is.
No new infrastructure
No customer lift
No compliance burden
Why now?
Your customers are asking for it
Offering On-Demand Pay is an expectation for any payroll platform today, and those that offer it can see higher app engagement and a new revenue stream while helping their customers have stronger employee retention.
The question isn’t whether to offer On-Demand Pay—it’s how.
Embed it
With On-Demand Pay living natively inside your product, it can be automatically available to every eligible employee from day one, with repayment as part of the existing payroll cycle.
Clair Atlas for payroll
Payroll data unlocks better underwriting
Traditional credit models exclude workers they deem risky because they don’t have enough data. Clair Atlas uses real-time payroll signals like paycheck consistency, job tenure, and repayment history to underwrite employees who might be declined by their credit score alone.
For payroll platforms, this matters because the data you already have is exactly what makes Atlas more accurate.
Approval rates up to 98% for eligible users
Every decision is fully explainable to regulators
Embedded vs. marketplace
The embedded advantage for repayment
Outside of a payroll integration, many EWA providers have to guess when repayment will happen, timing ACH pulls against estimated paycheck dates. Failure rates create credit losses and customer service burden.
When Clair is embedded in your payroll system, repayment is triggered by the payroll run itself, managing the timing risk. And the employer is never involved.
“What sold us about Clair was the ability to embed a financial service inside the app our employees already use.”
Kelvin Li, Group Product Manager, Intuit QuickBooks
23%
of employees who see the feature create an account
64%
conversion from enrollment to first advance
87%
repeat usage
“We evaluated all the major players in the On-Demand Pay space, and Clair stood out as our ideal partner, bringing both the compliance framework and technical capabilities we need to offer advances right inside our existing app.”
Dan Loomis, General Manager, Gusto
73%
of employees who started onboarding took an advance
FY 2025
2.5
minutes median time to first advance
62%
of monthly active users take advances
