Clair
New York, New York, United States
What it is
Clair embeds On-Demand Pay in payroll, workforce, scheduling, wallet, and point-of-sale platforms, letting employees access earned wages before payday within a platform 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; it can also use shift and attendance data from workforce systems. Tips can be included when processed through payroll as a pay item. Clair Atlas uses employment, earnings, and cashflow signals to calculate eligibility, and advances are subject to eligibility criteria and application review. Repayment can run automatically through payroll or ACH. Standard bank transfers take 1–3 business days at no fee. Instant transfers typically take seconds, can take up to 30 minutes, and cost $4.99. 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. Employees can access support from Settings in their On-Demand Pay dashboard. Clair presents the service to payroll, workforce management, wallet, and POS platforms. Pricing is available on request.
For and against
For
- Embedded use requires no separate employee app or login.
- Calculates available balances using real-time payroll data.
- Can include tips processed as a payroll pay item.
- Automatic repayment can use payroll or ACH.
- Standard transfers have no fee.
Against
- Advances require eligibility and application review.
- Instant transfers cost $4.99.
- Standard transfers take 1–3 business days.
- Pricing is available on request.
The verdict
Clair provides an embedded wage-access feature with payroll and workforce data inputs and automatic repayment options. Transfer timing and fees differ, and advance access remains subject to review.
Who it suits
Clair is aimed at payroll platforms, workforce management providers, consumer wallets, and POS platforms that want to embed On-Demand Pay. Its employee experience is for workers seeking access to earned wages before payday through a partner platform.
Plans and prices
Employee On-Demand Pay
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
On the record
- Eligibility limit
- All advances are subject to eligibility criteria and application review.getclair.com · read 7 Oct 2026
- Embedded experience
- Employees use On-Demand Pay inside their existing platform without a separate app or login.getclair.com · read 7 Oct 2026
- Integration support
- Clair provides partner engineering teams an AI-ready assistant with step-by-step integration guidance tailored to their platform.getclair.com · read 7 Oct 2026
- Intended customers
- Clair presents its solution for payroll platforms, workforce management providers, consumer wallets, and POS platforms.getclair.com · read 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.getclair.com · read 7 Oct 2026
- Payroll integration
- Clair connects to payroll systems and uses employment and earnings data to calculate available balances in real time.getclair.com · read 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.getclair.com · read 7 Oct 2026
- Repayment
- Repayment can run automatically through payroll or ACH without manual intervention.getclair.com · read 7 Oct 2026
- Support
- Employees can open their On-Demand Pay dashboard and select Settings to access support.getclair.com · read 7 Oct 2026
- Tip access
- Clair can include tip earnings in employees’ available balances when tips are processed through payroll as a pay item.getclair.com · read 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.getclair.com · read 7 Oct 2026
- Underwriting
- Clair Atlas uses real-time employment, earnings, and cashflow signals to calculate advance eligibility.getclair.com · read 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.getclair.com · read 7 Oct 2026
- Workforce integrations
- Clair can use shift, attendance, and earnings data from workforce management systems to calculate balances.getclair.com · read 7 Oct 2026
