Clair

Clair provides early access to earned-wages with a focus on hourly and gig-economy workers. The company’s platform integrates with payroll, time, and attendance systems that allow staff to access the funds via a mobile app or debit cards, which are then deducted from the next paycheck. Clair’s earned-waged access service is free to use and serves as a customer acquisition funnel to bring revenue to its other products such as savings accounts, debit cards, and financial planning tools.

Clair also offers turnkey solutions for workforce software providers, allowing them to bundle Clair’s offerings with their own. As of July 2023, Clair had over 10,000 employers and 50,000 workers signed up for their platform.

Key customers and partnerships

The company launched Clair for Employers, a product that offers employees on-demand pay by allowing them to access their wages as soon as they finish their shift, through a partnership with Pathward, a commercial finance and banking-as-a-service provider, in July 2023. As of September 2024, Clair served over 12,000 companies including Sheraton, DoubleTree by Hilton, Tim Hortons, Riverview Health, Criterion.

In July 2024, Clair partnered with Gusto to expand product reach by integrating Clair’s earned wage access offering with Gusto Wallet and leveraging Gusto’s customer base. The embedded offering will allow Gusto Wallet users to provide Clair's on-demand pay offering to employees and help them access a portion of their earned wages before payday, with Clair's pay advances originated by its banking partner Pathward. In June 2024, Clair partnered with Check, a payroll infrastructure provider, to integrate Clair's on-demand wage access solution with Check and expand its product reach.