Getting Partnered

You may find yourself asking what makes Clair different from other earned wage access companies. Clair is currently the best choice in earned wage access. Armed with our lending servicing license, you won’t need to worry about the changes in legislature affecting the availability of EWA for your clients and their employees. We are focused on providing America’s workforce with the freedom to take control of their finances by providing access to their wages early without charging the user for access to these loans. If the employee opts for instant1 transfer they agree to a $4.50 instant transfer fee, but there is always a free option available as well. We have history and rapport with our current users because they enjoy the convenience of avoiding late fees and having access to earned wages on-demand with a product they can trust. We have even had users who are changing employment contact us about other employers in their area who have access to our services so they can make an informed decision when choosing their new employer. Employers benefit from earned wage access as well. EWA has been proven to help employees who are struggling to make ends meet have fewer funds-flow-related attendance issues. In the current climate, more and more employees are looking for their employer to provide EWA as a benefit, and it can be a selling point in the hiring process. It also gives the employer an option when an employee comes to them requesting financial assistance. FAQ Is Clair available in all 50 states? Although we are actively working to ensure we can operate in all 50 states, we are not currently able to operate in Nevada, Connecticut, New Mexico, South Dakota, Minnesota, Florida, Massachusetts, Colorado, or Montana. We hope to shorten this list soon. All Advances are originated by Pathward®, N.A. 1Instant Transfers typically occur in seconds, but may take up to 30 minutes.

Clair is the leading embedded solution for offering nationally compliant Earned Wage Access through your Workforce Management (WFM) or Human Capital Management (HCM) Platform. Clair is dedicated to partnering with technology-focused partners that are leading the way in providing financial solutions that engage employees through workplace benefits.  Partnering with Clair includes access to a full set of API Documentation, out-of-box marketing material, and a Clair-hosted UX that allows employees to take On-Demand Pay through earned wage advances with our partner bank, Pathward® N.A. This banking partnership allows Clair to own the bulk of the compliance landscape, enabling your team to move quickly without building home-grown compliance or BaaS technology. With an outcome-driven approach, our teams will partner closely on technical development, benefit launch, and ongoing engagement.        Schedule your call with Clair to start the process:  [CTA] Book a demo FAQ What is the pricing structure?  For questions about our enterprise pricing please contact sales@getclair.com or schedule a demo.  What is Earned Wage Access (EWA)? Earned Wage Access is a product solution that focuses on making it easier for employees to access their earned wages before payday, removing some of the cashflow challenges that cause financial stress. Clair connects via API to a Payroll or Time & Attendance Platform to calculate earnings and then provides short-term loans from Pathward, N.A. to simulate getting paid early. We are able to achieve this by partnering with a national bank to offer 0% APR loans based on earnings data that are automatically repaid during the standard pay cycle. This enables employers in your network to offer EWA as a free employee benefit, allowing employees to gain early access to their earned wages via a loan originated by Clair's partner bank, Pathward. How is an embedded integration different from a standard API? Clair delivers its EWA product as an embeddable component. All you need to do is send along the data to power it - employee information, employment details, attendance records - and open the component in a WebView. Inside the component, the employees will be able to take EWA loans, review their history, find documents, make repayments, and do other loan-servicing-related tasks.  Leveraging the embedded component allows Clair’s partners to launch quickly as well as avoid added compliance scrutiny and securing appropriate licensing to be a loan servicer. This is Clair’s way to take the heavy lifting of lending out of partners’ hands! Is the partnership with Clair or with Pathward? Clair is a financial technology company that offers earned wage access loans provided by Pathward N.A., by seamlessly integrating with payroll and time and attendance platforms. This integration technology is offered by Clair but all earned wage advance loans are originated by Pathward Bank. All Advances are originated by Pathward®, N.A.