Instant pay access

Instant pay access

Get your workers paid as soon as
they finish work

Just 4 Easy Steps


Workers sign up for Clair and set it as direct deposit

Signing up for a Clair account becomes just one more check box in the employee or contractor onboarding process. After collecting consent, you can pass on their l-9 or W-8 data via APIs and we'll open their accounts behind the scenes.

Clair offers wage advances daily based on hours worked.

Whenever a worker clocks out of work or finishes a task, we take that data and offer them the ability to request an advance. Clair advances a portion of gross wages to account for deductions and corrections.
5 hours @
$15/hr = $75
"You can
advance up to
$75 today"

Workers request advances, which are pushed directly onto their Clair card.

Workers can request free wage advances from either your app or the Clair app. These advances are processed and can be used instantly at a retailer, withdrawn at an ATM, or transferred to another account.

Clair automatically deducts advances on the next payday.

Because Clair is the direct deposit account, we deduct any advances made during payday. We are responsible for ensuring that we are repaid by our users.

$1000 paycheck

$925 net pay

Less financial stress for more productive employees

By giving your workers the flexibility to receive their pay sooner, they don't have to take out high-interest payday loans or pay overdraft fees just to make ends meet. Less financial stress means they can put their best foot forward every day they step into work. A study of 10,000 workers by Salary Finance found that employees who are worried about money are:
  • 5.8x more likely to miss deadlines

  • 2.2x more likely to seek employment elsewhere

  • 3.4x more likely to experience anxiety

  • 4x more likely to suffer from depression

  • 4.9x more likely to produce lower quality work

Both employers and employees benefit from instant pay access

Employers see significant benefits across the board

Employer of choice branding
Providing employees a unique safety net with a differentiated benefit
Reduce check printing costs
On average, employers spend $4.43 per employee to prepare a payslip and print a check
Turnover reduction
Studies show 20-40% reduction in employee turnover with on-demand payment benefits

Employees get a much needed financial product

Reduced need for payday loans
12M Americans rely on high-APR payday loans each year just to make ends meet
Savings in bank fees
The average American spends over $170 a year in bank fees
Safety net in challenging times
60% of Americans have less than $1,000 in savings; wage advanced can help during emergencies

Enable Instant Pay... (Almost) Instantly

In as short as 4 to 6 weeks we can integrate our systems and get your workers ready to receive their pay instantly, at the end of each shift.
  • Define

  • Integrate

  • Go Live

Let's see how fintech fits in to your platform

Every platform is different. We work closely with all our partners to understand your fintech requirements so we can quickly define your use cases and ensure that we minimize the work of your development team down the line.
We'll meet with your Product Team to align on how Clair fits into your overall UX

Well scoped requirements, clearly defined APIs

As a technology-first company, we understand that your development team has a long list of pre-defined priorities. We try to minimize our impact on them by providing APIs with a clearly-defined integration guide.
We'll send your Engineering Team a set of customized API docs outlining exactly what we both need to develop
(Want to test before development? We can pilot with file transfers to eliminate engineering time)

Test quickly, go live seamlessly

In just 4-6 weeks we can demonstrate the benefits of Clair. We'll work with your marketing teams to introduce Clair to pilot users. They'll be given access to their Clair account with no high or hidden fees, their wages at the end of each workday, and their path to financial freedom.
We'll work closely with your Marketing Manager to pilot Clair with a few customers

Want to learn more?

Meet one of our fintech consultants to explore how Clair
can help your workers attain financial freedom

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