Consumer wallets
Consumer wallets
On-Demand Pay drives direct deposit adoption
Clair embeds earned wage access directly into your wallet experience, giving employees a concrete reason to make your product their primary financial account.
Clair embeds earned wage access directly into your wallet experience, giving employees a concrete reason to make your product their primary financial account.
On-Demand Pay
$200.00
Why now?
Why now?
How do you get employees to use your wallet?
How do you get employees to use your wallet?
Direct deposit attachment determines whether your wallet becomes someone’s primary financial tool or just another app they downloaded once.
On-Demand Pay gives employees a concrete reason to direct deposit into your product. Every advance builds the habit, and every repayment reinforces it.
Direct deposit attachment determines whether your wallet becomes someone’s primary financial tool or just another app they downloaded once.
On-Demand Pay gives employees a concrete reason to direct deposit into your product. Every advance builds the habit, and every repayment reinforces it.
Drive direct deposit
Employees who use On-Demand Pay have a built-in reason to make your wallet their primary account. The advance comes from their balance. Repayment comes from their paycheck.
Drive direct deposit
Employees who use On-Demand Pay have a built-in reason to make your wallet their primary account. The advance comes from their balance. Repayment comes from their paycheck.
Drive direct deposit
Employees who use On-Demand Pay have a built-in reason to make your wallet their primary account. The advance comes from their balance. Repayment comes from their paycheck.
Increase active usage
On-Demand Pay can create recurring engagement—not just during onboarding, but across pay cycles. Employees return to check their balance, request advances, and track repayments.
Increase active usage
On-Demand Pay can create recurring engagement—not just during onboarding, but across pay cycles. Employees return to check their balance, request advances, and track repayments.
Increase active usage
On-Demand Pay can create recurring engagement—not just during onboarding, but across pay cycles. Employees return to check their balance, request advances, and track repayments.
Expand your financial relationship
An employee who trusts your wallet for earned wage access may be more likely to adopt your other financial products, like savings accounts or credit building tools.
Expand your financial relationship
An employee who trusts your wallet for earned wage access may be more likely to adopt your other financial products, like savings accounts or credit building tools.
Expand your financial relationship
An employee who trusts your wallet for earned wage access may be more likely to adopt your other financial products, like savings accounts or credit building tools.
The integration
The integration
Embedded inside your product. Connected to how employees get paid.
Embedded inside your product. Connected to how employees get paid.
Clair works with the data your wallet already has: direct deposit history, cashflow patterns, and account activity. The integration sits within your existing product experience, and the underwriting uses signals you’re already capturing.
Clair works with the data your wallet already has: direct deposit history, cashflow patterns, and account activity. The integration sits within your existing product experience, and the underwriting uses signals you’re already capturing.
Integration
Clair connects to your platform and uses available employment and earnings data to calculate eligible advance amounts in real time.
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My Wallet
Checking account
$3,200.50
Add Money
Withdraw
$200.00
Dashboard
$25
$200
Other
Accounts
Savings
*5499 • Active
$1,000.00
Visa
*3948 • Active
$390.00
Home
Wallet
Activity
Profile
Integration
Clair connects to your platform and uses available employment and earnings data to calculate eligible advance amounts in real time.
1
2
3
4
My Wallet
Checking account
$3,200.50
Add Money
Withdraw
$200.00
Dashboard
$25
$200
Other
Accounts
Savings
*5499 • Active
$1,000.00
Visa
*3948 • Active
$390.00
Home
Wallet
Activity
Profile
Clair Atlas
Clair Atlas
Giving employees access with data while managing risk
Giving employees access with data while managing risk
Clair Atlas uses real-time employment and earnings signals to underwrite employees, not their credit scores. The model adapts to whatever data your platform provides, expanding access for workers who might be declined by traditional credit models while still managing risk.
Clair Atlas uses real-time employment and earnings signals to underwrite employees, not their credit scores. The model adapts to whatever data your platform provides, expanding access for workers who might be declined by traditional credit models while still managing risk.
Works with payroll-connected and non-payroll platforms
Works with payroll-connected and non-payroll platforms
Approval rates up to 98% for eligible users in certain groups
Approval rates up to 98% for eligible users in certain groups
Embedded vs. marketplace
Embedded vs. marketplace
Separate EWA apps compete with your wallet. An embedded one can strengthen it.
Separate EWA apps compete with your wallet. An embedded one can strengthen it.
If employees access earned wages through a standalone app, that app can become their primary financial touchpoint—not yours. Every advance they take through a competitor is a missed opportunity to deepen your relationship.
When Clair lives inside your wallet, the relationship stays yours, and the trust transfers.
If employees access earned wages through a standalone app, that app can become their primary financial touchpoint—not yours. Every advance they take through a competitor is a missed opportunity to deepen your relationship.
When Clair lives inside your wallet, the relationship stays yours, and the trust transfers.
Checking account
$3,600.50
On-Demand Pay
$200.00
Available to advance
Saving account
$1,000.00
Live with Gusto
Live with Gusto
Gusto chose embedded and saw results immediately
Gusto chose embedded and saw results immediately
73%
73%
of employees who started onboarding took an advance
FY 2025
2.5
2.5
minutes median time to first advance
62%
62%
of monthly active users take advances
“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.”
“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
Ready to make On-Demand Pay part of your wallet?
Talk to our team about how Clair integrates into your product.
Ready to make On-Demand Pay part of your wallet?
Talk to our team about how Clair integrates into your product.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
FOR VERMONT USERS: 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.)
*Instant Transfers typically occur in seconds, but may take up to 30 minutes.
If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.99 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.
Loan fulfillment services including solicitation, arranging, servicing and/or collecting provided by Maverick Payments, Inc. d/b/a Clair NMLS number 2324313.
© 2026 Clair. All rights reserved.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
FOR VERMONT USERS: 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.)
*Instant Transfers typically occur in seconds, but may take up to 30 minutes.
If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.99 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.
Loan fulfillment services including solicitation, arranging, servicing and/or collecting provided by Maverick Payments, Inc. d/b/a Clair NMLS number 2324313.
© 2026 Clair. All rights reserved.
All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.
FOR VERMONT USERS: 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.)
*Instant Transfers typically occur in seconds, but may take up to 30 minutes.
If you choose to have your Advance disbursed to your bank account instantly, you will be charged a $4.99 fee. This instant transfer fee will be taken out of your Advance at the time of disbursement.
Loan fulfillment services including solicitation, arranging, servicing and/or collecting provided by Maverick Payments, Inc. d/b/a Clair NMLS number 2324313.
© 2026 Clair. All rights reserved.