Clair
Clair embeds On-Demand Pay in payroll, workforce, scheduling, wallet, and point-of-sale products, letting employees access earned wages before payday from a …
What Clair is
Clair embeds On-Demand Pay in payroll, workforce, scheduling, wallet, and point-of-sale products, letting employees access earned wages before payday from a platform they already use. Employees do not need a separate Clair app or login. Clair connects to payroll data to calculate available balances in real time, and can also use shifts, attendance, and earnings data from workforce systems. Tip earnings may count when payroll records them as a pay items. Clair Atlas uses real-time employment, earnings, and cashflow signals to determine eligibility; advances are subject to criteria and application review and are originated by Pathward, N.A. Repayment can run automatically through payroll or ACH. Standard bank transfers take 1–3 business days and have no fee. Instant transfers typically take seconds, can take up to 30 minutes, and cost $4.99. Clair says it monitors EWA legislation across all 50 states and federally, and holds brokering and servicing licenses where required. Pricing is available on request. The service is presented for payroll, workforce management, wallet, and POS platforms.
Good
- Embedded experience needs no separate app or login.
- Balances can use real-time payroll and workforce data.
- Repayment can run automatically through payroll or ACH.
- Standard bank transfers have no fee.
Watch out
- Instant transfers cost $4.99.
- Standard transfers take 1–3 business days.
- Advances require eligibility and application review.
- Pricing is available on request.
Who it suits
Clair suits payroll, workforce management, wallet, and POS providers looking to offer earned-wage access within their products. It is also relevant to employees who want access to earned wages before payday through an existing platform.
Verdict
Clair provides embedded wage access with payroll and workforce data informing available balances. Its transfer options differ in speed and fee, and each advance remains subject to review.
Plans and prices
From Clair's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| 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 |
The facts
Each one read from Clair's own pages, with the date it was checked.
What it does
- Eligibility limit
- All advances are subject to eligibility criteria and application review.checked 7 Oct 2026
- Embedded experience
- Employees use On-Demand Pay inside their existing platform without a separate app or login.checked 7 Oct 2026
- Integration support
- Clair provides partner engineering teams an AI-ready assistant with step-by-step integration guidance tailored to their platform.checked 7 Oct 2026
- Intended customers
- Clair presents its solution for payroll platforms, workforce management providers, consumer wallets, and POS platforms.checked 7 Oct 2026
- 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.checked 7 Oct 2026
- Payroll integration
- Clair connects to payroll systems and uses employment and earnings data to calculate available balances in real time.checked 7 Oct 2026
- Product availability
- Clair describes On-Demand Pay as a feature embedded in partner products, rather than an app employees need to download.checked 7 Oct 2026
- Repayment
- Repayment can run automatically through payroll or ACH without manual intervention.checked 7 Oct 2026
- Support
- Employees can open their On-Demand Pay dashboard and select Settings to access support.checked 7 Oct 2026
- Tip access
- Clair can include tip earnings in employees’ available balances when tips are processed through payroll as a pay item.checked 7 Oct 2026
- 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.checked 7 Oct 2026
- Underwriting
- Clair Atlas uses real-time employment, earnings, and cashflow signals to calculate advance eligibility.checked 7 Oct 2026
- What it does
- Clair embeds On-Demand Pay in payroll, workforce, scheduling, wallet, and POS platforms so employees can access earned wages before payday.checked 7 Oct 2026
- Workforce integrations
- Clair can use shift, attendance, and earnings data from workforce management systems to calculate balances.checked 7 Oct 2026
The company
- Headquarters
- New York, New York, United Stateschecked 28 Sep 2026
