Clair On-Demand Pay FAQ

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Overview

Have questions about Clair and On-Demand Pay? This article covers a lot of the commonly asked questions about both.

On-Demand Pay 101

What is On-Demand Pay?
On-demand pay means employees can gain access to a portion of their wages as they’re earned, instead of having to wait until payday. When I Work teamed up with Clair to provide this benefit to our customers at no cost to employees or employers.
How are on-demand pay and payday loan different?
Clair On-Demand Pay is a fee-free wage advance benefit.¹ Payday loans often charge high-interest fees for accessing cash before payday. Clair will never charge fees for a wage advance on the money earned.
How does the wage advance process work?
Clair secures the capital for advances so employees are able to take an advance when they need it. After requesting an advance in the Clair or When I Work app, users will instantly see it in the account they set up through Clair. When they receive their paycheck, the amount advanced is automatically subtracted from the total to ensure no one is under or overpaid.
How are When I Work and Clair connected?
When I Work built an integration with Clair to push attendance data on time entries and available wage data. Clair uses this data to calculate the amount available to the employee as on-demand pay.
What is Clair?
Clair is a New York-based social impact financial technology company that aims to innovate on the outdated pay cycle with Clair On-Demand Pay, a fee-free wage advance tool for workers. With the current bi-weekly or monthly pay cycle, hourly workers are often left to use high-interest payday lenders in the case of emergencies, delayed paychecks, or other external factors.
How does Clair make money?
When employees buy things with their Clair Debit Mastercard®, Clair receives a percentage of the processing fees. Clair also ensures they get repaid for the wage advances employees take using Clair On-Demand Pay. When an employee’s regular paycheck lands in their  account, Clair squares up by deducting the wages advanced by the employee without impacting any payroll process.
Question Answer
What is On-Demand Pay? On-demand pay means employees can gain access to a portion of their wages as they’re earned, instead of having to wait until payday. When I Work teamed up with Clair to provide this benefit to our customers at no cost to employees or employers.
How are on-demand pay and payday loan different? Clair On-Demand Pay is a fee-free wage advance benefit.¹ Payday loans often charge high-interest fees for accessing cash before payday. Clair will never charge fees for a wage advance on the money earned.
How does the wage advance process work? Clair secures the capital for advances so employees are able to take an advance when they need it. After requesting an advance in the Clair or When I Work app, users will instantly see it in the account they set up through Clair. When they receive their paycheck, the amount advanced is automatically subtracted from the total to ensure no one is under or overpaid.
How are When I Work and Clair connected? When I Work built an integration with Clair to push attendance data on time entries and available wage data. Clair uses this data to calculate the amount available to the employee as on-demand pay.
What is Clair? Clair is a New York-based social impact financial technology company that aims to innovate on the outdated pay cycle with Clair On-Demand Pay, a fee-free wage advance tool for workers. With the current bi-weekly or monthly pay cycle, hourly workers are often left to use high-interest payday lenders in the case of emergencies, delayed paychecks, or other external factors.
How does Clair make money? When employees buy things with their Clair Debit Mastercard®, Clair receives a percentage of the processing fees. Clair also ensures they get repaid for the wage advances employees take using Clair On-Demand Pay. When an employee’s regular paycheck lands in their  account, Clair squares up by deducting the wages advanced by the employee without impacting any payroll process.

Setup questions

Do I need to change how I run payroll today to use Clair?
No, unlike other earned wage access providers, Clair does not require employers to process wage advance deductions themselves. Businesses just run payroll as always and Clair makes the deductions in the background to ensure no one is under or overpaid.
What involvement is needed from my HR team?
Your HR team may be involved in the following capacities:

  • Encouraging employees to sign up for Clair
  • Directing questions about Clair to Clair’s support page (support.getclair.com), hotline (+1 888 HI-CLAIR), or email (support@getclair.com)
  • If your employees do not have a self-service option to change direct deposit, they may need to input your employees’ new account detail

Your HR team will never need to change their payroll processes to accommodate Clair.

How much does Clair On-Demand Pay cost me and my employees?
It is free for both employees and employers to have access to Clair On-Demand Pay through When I Work.
Can all of my employees use Clair On-Demand Pay?
All U.S. citizens and permanent residents of the U.S. who are at least 18 years old.
Do I need a Clair Savings Account or Clair Spending Account to allow my employees to use Clair?
No, you do not need a Clair Savings Account or a Clair Spending Account. You only need to enable the integration from your When I Work settings page.
Can I see what employees are using Clair On-Demand Pay and how much they have withdrawn?
No, an individual’s banking choices and spending habits are private. Clair and When I Work are not authorized to share this information at the individual level.
Can I use Clair On-Demand Pay and a When I Work payroll integration?
Yes. These two features are independent of one another as Clair does not replace any payroll provider. 
How does this look on paystubs in our payroll system?
Clair partners with MetaBank®, N.A., Member FDIC to ensure that users’ money stays safe. Therefore, in their company payroll system, their direct deposit account destination would read METABANK, NATIONAL ASSOCIATION.
I have more questions about setting up Clair On-Demand Pay. Where do I get help?
Question Answer
Do I need to change how I run payroll today to use Clair? No, unlike other earned wage access providers, Clair does not require employers to process wage advance deductions themselves. Businesses just run payroll as always and Clair makes the deductions in the background to ensure no one is under or overpaid.
What involvement is needed from my HR team? Your HR team may be involved in the following capacities:

  • Encouraging employees to sign up for Clair
  • Directing questions about Clair to Clair’s support page (support.getclair.com), hotline (+1 888 HI-CLAIR), or email (support@getclair.com)
  • If your employees do not have a self-service option to change direct deposit, they may need to input your employees’ new account detail

Your HR team will never need to change their payroll processes to accommodate Clair.

How much does Clair On-Demand Pay cost me and my employees? It is free for both employees and employers to have access to Clair On-Demand Pay through When I Work.
Can all of my employees use Clair On-Demand Pay? All U.S. citizens and permanent residents of the U.S. who are at least 18 years old.
Do I need a Clair Savings Account or Clair Spending Account to allow my employees to use Clair? No, you do not need a Clair Savings Account or a Clair Spending Account. You only need to enable the integration from your When I Work settings page.
Can I see what employees are using Clair On-Demand Pay and how much they have withdrawn? No, an individual’s banking choices and spending habits are private. Clair and When I Work are not authorized to share this information at the individual level.
Can I use Clair On-Demand Pay and a When I Work payroll integration? Yes. These two features are independent of one another as Clair does not replace any payroll provider. 
How does this look on paystubs in our payroll system? Clair partners with MetaBank®, N.A., Member FDIC to ensure that users’ money stays safe. Therefore, in their company payroll system, their direct deposit account destination would read METABANK, NATIONAL ASSOCIATION.
I have more questions about setting up Clair On-Demand Pay. Where do I get help?

Employee experience

Can my employees use Clair On-Demand Pay and their normal bank?
Yes, many Clair users have multiple bank accounts. Clair is a digital banking platform that offers similar functionality to that of a traditional bank (access to spending & saving accounts, free ACH transfers in and out of U.S. accounts, and a Clair Debit Mastercard®). Users do need to send a portion of their paycheck (direct deposit) to their account in order to access Clair On-Demand Pay. 
My employee signed up for Clair, do they need to wait for a debit card to come in the mail?
No, employees will immediately get access to their virtual Clair Debit Mastercard® when they sign up for an account. They can spend with their virtual card using Apple Pay, Samsung Pay or Google Pay. Their physical card will come in the mail.
My employees have questions about Clair. Where can I send them?
You can direct questions about Clair to Clair’s support page (support.getclair.com), hotline (1-888-HI-CLAIR), or email (support@getclair.com). Clair is available from 9am to 8pm ET, Monday through Friday, excluding federal holidays.
My employee wants to stop using Clair On-Demand Pay. How do they do this?
Employees can close their account via the app at any time. There are also no minimum balance fees, and therefore employees could also choose to redirect their paycheck to a different banking provider.
Question Answer
Can my employees use Clair On-Demand Pay and their normal bank? Yes, many Clair users have multiple bank accounts. Clair is a digital banking platform that offers similar functionality to that of a traditional bank (access to spending & saving accounts, free ACH transfers in and out of U.S. accounts, and a Clair Debit Mastercard®). Users do need to send a portion of their paycheck (direct deposit) to their account in order to access Clair On-Demand Pay. 
My employee signed up for Clair, do they need to wait for a debit card to come in the mail? No, employees will immediately get access to their virtual Clair Debit Mastercard® when they sign up for an account. They can spend with their virtual card using Apple Pay, Samsung Pay or Google Pay. Their physical card will come in the mail.
My employees have questions about Clair. Where can I send them? You can direct questions about Clair to Clair’s support page (support.getclair.com), hotline (1-888-HI-CLAIR), or email (support@getclair.com). Clair is available from 9am to 8pm ET, Monday through Friday, excluding federal holidays.
My employee wants to stop using Clair On-Demand Pay. How do they do this? Employees can close their account via the app at any time. There are also no minimum balance fees, and therefore employees could also choose to redirect their paycheck to a different banking provider.

Access to wages

How much money can my employees advance?
Clair determines how much employees can advance using an algorithm that refines its estimates of earned wages over time. If you have specific questions related to your advance, email Clair.
Are my employees able to access their wages if the timesheets are not approved?
Yes. Timesheet approvals are not required in order for employees to access a portion of their wages. Timesheet approvals apply to the entire pay period’s entries while Clair On-Demand Pay is available after each clock out.
How are the wages available to the employee calculated?

Users can only advance a portion of their earned wages for each shift worked, up to a limit between paychecks. This portion is determined by Clair using an algorithm.

In the Clair app, when a user taps the purple “Payday Wallet” box on the app home screen, they will then see the call out  “Learn about Earned Wages.” Users can find out all the details, % of their earned wages available for advance, and their limit between paychecks. Employees can also click “Hours worked” to show all their shifts.

Can I make changes to employees’ timesheets after they have withdrawn money from Clair?
Yes, any changes to the time entry will be sent to Clair. When Clair receives an update to a shift, they will replace the original with the new one, and the hours worked or pay rate (if available) will be updated accordingly. If the shift is still within the current pay cycle, the available balance to advance from will be updated—increasing or decreasing depending on the edits made. If the shift is outside of the pay cycle, Clair  will still catalogue it for the historical view of hours worked, and it will not have an impact on the available amount.
What happens if my employee has a discrepancy with their Clair advance pay?

The employee should call Clair Care. The Clair support team is available to support from Monday through Friday, except on federal banking holidays, from 9am to 8pm ET. You can get in touch with them through:

In-App Support

  • Once in the app, you can contact Clair through the Clair Care tab. Clair Care is available by phone or email, Monday through Friday, except on federal banking holidays, from 9:00 AM to 8:00 PM ET.

Phone Support

  • You can call +1-888-HI-CLAIR or +1-888-442-5247

E-mail support

Question Answer
How much money can my employees advance? Clair determines how much employees can advance using an algorithm that refines its estimates of earned wages over time. If you have specific questions related to your advance, email Clair.
Are my employees able to access their wages if the timesheets are not approved? Yes. Timesheet approvals are not required in order for employees to access a portion of their wages. Timesheet approvals apply to the entire pay period’s entries while Clair On-Demand Pay is available after each clock out.
How are the wages available to the employee calculated?

Users can only advance a portion of their earned wages for each shift worked, up to a limit between paychecks. This portion is determined by Clair using an algorithm.

In the Clair app, when a user taps the purple “Payday Wallet” box on the app home screen, they will then see the call out  “Learn about Earned Wages.” Users can find out all the details, % of their earned wages available for advance, and their limit between paychecks. Employees can also click “Hours worked” to show all their shifts.

Can I make changes to employees’ timesheets after they have withdrawn money from Clair? Yes, any changes to the time entry will be sent to Clair. When Clair receives an update to a shift, they will replace the original with the new one, and the hours worked or pay rate (if available) will be updated accordingly. If the shift is still within the current pay cycle, the available balance to advance from will be updated—increasing or decreasing depending on the edits made. If the shift is outside of the pay cycle, Clair  will still catalogue it for the historical view of hours worked, and it will not have an impact on the available amount.
What happens if my employee has a discrepancy with their Clair advance pay?

The employee should call Clair Care. The Clair support team is available to support from Monday through Friday, except on federal banking holidays, from 9am to 8pm ET. You can get in touch with them through:

In-App Support

  • Once in the app, you can contact Clair through the Clair Care tab. Clair Care is available by phone or email, Monday through Friday, except on federal banking holidays, from 9:00 AM to 8:00 PM ET.

Phone Support

  • You can call +1-888-HI-CLAIR or +1-888-442-5247

E-mail support

¹The Clair Debit Mastercard can be used for no-fee withdrawals at ATMs in the Allpoint network. Fees may apply for ATM transactions outside this network.

Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, MetaBank®, N.A., Member FDIC. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Clair Savings account is established by MetaBank, N.A., Member FDIC.

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Updated on April 6, 2022

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