Clair On-Demand Pay FAQ

Clair is a mission-driven financial technology company that is working to break the traditional pay cycle by giving people access to their money as soon as they’ve earned it.

Clair offers On-Demand Pay, an Earned Wage Access (EWA) product, by facilitating loans provided by Pathward®, N.A. Clair integrates with payroll and time and attendance platforms, allowing qualified employees to access earned wage advances based on known earnings data, without disrupting payroll.

All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Terms and conditions apply.

On-Demand Pay is a financial benefit offered through SocialSchedules' partnership with Clair. It allows qualified employees to access advances, without any effort required from employers. There’s no interest, credit checks, or required fees.

All Advances are originated by Pathward®, N.A.

Offering On-Demand Pay helps you reduce risk by offering a formal and secure alternative to handling employee pay advance requests internally. This reduces your administrative burden and potential financial complexities.

It can also improve workforce stability: Clair has also found that employees who use theproduct stay at their jobs longer and pick up more shifts*.

All Advances are originated by Pathward®, N.A.

*Based on a Clair impact study of 79,000 workers

With 78% of U.S. workers living paycheck to paycheck (Forbes), On-Demand Pay by Clair helps employees access wages they’ve already earned, so they don’t have to wait for payday when expenses come up. This can help them reduce financial stress, cover everyday bills, and better manage cash flow—without turning to overdrafts or late fees.

By giving employees more flexibility and control over their pay, Clair supports financial stability and overall financial wellness.

All Advances are originated by Pathward®, N.A.

No, On-Demand Pay does not affect your payroll at all. Clair handles advances independently through its banking partner, which means there’s no change to how you run payroll. You’re never responsible for funding advances or collecting repayments, including in the event that an employee leaves.

All Advances are originated by Pathward®, N.A.

Yes, On-Demand Pay is available exclusively on SocialSchedules' Premium plan. If you're not currently on Premium and would like to offer this benefit to your employees, please reach out to our team to discuss upgrading.

Clair partners directly with SocialSchedules to provide On-Demand Pay as a free benefit that businesses can offer to their employees. There is no charge for employers offering the service.

Additionally, enrolling in Clair and taking the default standard advances incurs no cost to users. However, users may incur costs if they decide to upgrade to an instant transfer*.

All Advances are originated by Pathward®, N.A.

*Instant Transfers typically occur in seconds, but may take up to 30 minutes. If the employee chooses to have their advance disbursed to their bank account instantly, they will be charged a $4.99 fee. This instant transfer fee will be taken out of their advance at the time of disbursement.

Clair partners with SocialSchedules to provide an embedded solution that offers EWA directly to employees within the SocialSchedules mobile app. With this embedded experience, employees can access earned wage advances without any impact on payroll or HR teams—no work needed on your end.

Although businesses retain the right to opt out of providing Clair’s services to their employees, no action is required from employers to provide On-Demand Pay to their employees.

All Advances are originated by Pathward®, N.A.

If you do not wish to offer On-Demand Pay to your employees, please get in contact with our Support team via in-app chat who will opt you out.

On-Demand Pay is not a requirement for any employee. It is a benefit that SocialSchedules provides as a solution to both employers and employees for their financial well-being. Not everyone will need or use this benefit, but it is there for those who need it, when they need it.

All Advances are originated by Pathward®, N.A.

If an employee does not repay advances by the due date, they will be unable to request another advance until their balance is repaid. Clair does not charge late fees, and an unpaid advance does not impact their credit score. The employee can repay at any time to regain access to On-Demand Pay.

Employers are not responsible for any loans, paid or unpaid.

All advances are subject to eligibility criteria and application review. Not everyone will be eligible to use the service, but hourly and salaried non-admin roles will be eligible to apply.

Eligibility depends on a variety of factors, including identity verification, state of residence, and other factors as mandated by consumer financial regulations.

All Advances are originated by Pathward®, N.A.

If they are eligible, employees can take an advance in the SocialSchedules mobile app.

All Advances are originated by Pathward®, N.A.

Clair limits the amount that an employee can access to ensure that employees do not advance more than they can pay back. That amount is based on a variety of factors, including how much money they have already earned this pay cycle and their overall pay cycle advance limit.

All Advances are originated by Pathward®, N.A.