Instant Financial Free plan 8.9 Visit Clair
getclair.com
What it is
Clair embeds On-Demand Pay in payroll, workforce, scheduling, wallet, and point-of-sale platforms, giving employees access to earned wages before payday within a product they already use. Employees do not need a separate app or login. Clair connects to payroll systems and uses employment and earnings data to calculate available balances in real time; workforce integrations can also use shift and attendance data. Tip earnings can be included when payroll processes tips as a pay item. Clair Atlas evaluates advance eligibility using real-time employment, earnings, and cashflow signals. Repayment can run automatically through payroll or ACH. Standard bank transfers take 1–3 business days with no fee. Instant transfers typically take seconds, may take up to 30 minutes, and cost $4.99. Advances are originated by Pathward, N.A., and are subject to eligibility criteria and application review. Clair presents its service to payroll, workforce management, wallet, and POS platforms. Employees can access support through Settings in their On-Demand Pay dashboard.
Spec sheet
- What it does
- Clair embeds On-Demand Pay in payroll, workforce, scheduling, wallet, and POS platforms so employees can access earned wages before payday.Read 7 Oct 2026 · getclair.com
- Support
- Employees can open their On-Demand Pay dashboard and select Settings to access support.Read 7 Oct 2026 · getclair.com
- Headquarters
- New York, New York, United StatesRead 28 Sep 2026 · getclair.com
- Eligibility limit
- All advances are subject to eligibility criteria and application review.Read 7 Oct 2026 · getclair.com
- Embedded experience
- Employees use On-Demand Pay inside their existing platform without a separate app or login.Read 7 Oct 2026 · getclair.com
- Integration support
- Clair provides partner engineering teams an AI-ready assistant with step-by-step integration guidance tailored to their platform.Read 7 Oct 2026 · getclair.com
- Intended customers
- Clair presents its solution for payroll platforms, workforce management providers, consumer wallets, and POS platforms.Read 7 Oct 2026 · getclair.com
- Lender and compliance
- Advances are originated by Pathward, N.A.; Clair says it holds brokering and servicing licenses where required and monitors EWA legislation across all 50 states and federally.Read 7 Oct 2026 · getclair.com
- Payroll integration
- Clair connects to payroll systems and uses employment and earnings data to calculate available balances in real time.Read 7 Oct 2026 · getclair.com
- Product availability
- Clair describes On-Demand Pay as a feature embedded in partner products, rather than an app employees need to download.Read 7 Oct 2026 · getclair.com
- Repayment
- Repayment can run automatically through payroll or ACH without manual intervention.Read 7 Oct 2026 · getclair.com
- Tip access
- Clair can include tip earnings in employees’ available balances when tips are processed through payroll as a pay item.Read 7 Oct 2026 · getclair.com
- Transfer timing and fee
- Standard transfers take 1–3 business days with no fee; instant transfers typically take seconds, may take up to 30 minutes, and cost $4.99.Read 7 Oct 2026 · getclair.com
- Underwriting
- Clair Atlas uses real-time employment, earnings, and cashflow signals to calculate advance eligibility.Read 7 Oct 2026 · getclair.com
- Workforce integrations
- Clair can use shift, attendance, and earnings data from workforce management systems to calculate balances.Read 7 Oct 2026 · getclair.com
Plans and prices
Employee On-Demand Pay Priced on request Subject to eligibility criteria and application review · Instant bank transfers cost $4.99 · Standard transfers take 1–3 business days Read 7 Oct 2026 · getclair.com
Strong points and limits
Strong points
- Embedded use requires no separate employee app or login.
- Balances can use payroll and workforce data.
- Repayment can run through payroll or ACH.
- Standard transfers have no fee.
- Partner engineering teams get integration guidance.
Limits
- Advances require eligibility and application review.
- Instant transfers cost $4.99.
- Standard transfers take 1–3 business days.
- No employee mobile app is listed.
Who it suits
Clair is aimed at payroll platforms, workforce management providers, consumer wallets, and POS platforms embedding wage access for employees. It may suit employees seeking access to earned pay through an existing platform, subject to eligibility and review.
Verdict
Clair offers an embedded wage-access feature with real-time balance calculations and automatic repayment options. Transfer timing and fee differ by method, and access to an advance is not guaranteed.
Where Specifiction places it
- Earned Wage Access Software#6 of 167.8
