← Embedded Finance Index 2026/Vendor

Clair

Provider

EWA Lending BaaS Payroll

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 11 companies across 4 categories.

clair.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗

CategoriesEWA, Lending, BaaS, Payroll
Rank#1 of 11 in EWA
Buyers11 companies

Claim this profile. Work at Clair? Verify your work email to unlock the full buyer list.

Founders & story · from Clair’s own dossier

Clair is an embedded earned wage access (EWA) provider that white-labels on-demand pay into HR, payroll, and workforce-management apps. Public partners include Gusto, where Clair embeds advances directly into the payroll platform with no employer setup required.

Recent developments

2026-10Launched Clair Connect, extending embedded on-demand pay beyond payroll/WFM platforms into banking/fintech apps and shift-pickup apps. Payroll-connected sign-ups get fast onboarding and near-100% approval with repayment via payroll election; workforce-platform sign-ups rely on time/attendance/cash-flow data instead. No partners named yet — Clair says these will be announced over the following months. source ↗

Full dossier: Clair’s own stack, layer by layer →

Who uses Clair

11 companies disclose Clair in their stack

Intuit QuickBooks 7shifts Criterion Humanity (TCP Software)Fee Free Payday Evoliz Alan TriNet IDEXX Arthur Online BambooHR

Buyer mix · 11 of 11 classified

Horizontal SaaS / HR & Payroll · 4Horizontal SaaS / Accounting · 2Fintech / Consumer banking · 1Fintech / Insurtech · 1Vertical SaaS / Real Estate · 1Vertical SaaS / Restaurants · 1Vertical SaaS / Veterinary · 1

US · 4 EU · 3 UK · 2 Canada · 1

What the disclosures say

Intuit QuickBooks

“quickbooks.intuit.com homepage lists Payroll and Contractor Payments. getclair.com publicly lists Intuit QuickBooks as a customer (TIER 1 known_customer_listing).”

7shifts

“Money movement for payroll is via Check; EWA disbursement via Clair.”

Criterion

“IBS Intelligence publicly lists Criterion as a customer in its article 'Clair and Criterion partner to offer on-demand pay to mid-market businesses' at https://ibsintelligence.com/ibsi-news/clair-and-criterion-partner-to-offer-on-demand-pay-to-mid-market-businesses/. This is a TIER 1 known_customer_listing.”

View source · ibsintelligence.com ↗

Humanity (TCP Software)

“Getclair.com publicly lists Humanity (TCP Software) as a customer (TIER 1 known_customer_listing).”

Fee Free Payday

“IBS Intelligence article states 'Clair launches Fee Free Payday wallet at the HR Tech Conference', indicating Clair is the underlying BaaS/EWA infrastructure provider for this product.”

TriNet

“Clair publicly lists TriNet as a customer at getclair.com, satisfying TIER 1 known_customer_listings attribution for EWA.”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Clair? Claim this profile above to unlock your own full list.

What Clair runs on · from its own dossier

The third-party providers Clair itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Clair.

BaaS

Pathward

Full dossier with evidence for each layer →

Alternatives to Clair

Other EWA providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

DailyPay10 buyers →Stripe8 buyers →Branch7 buyers →ZayZoon7 buyers →Tapcheck3 buyers →Gusto Embedded2 buyers →Payfare2 buyers →Astra1 buyer →

Share this rank

An embeddable badge for Clair’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Copy-paste snippet

<a href="https://www.embeddedfinanceindex.com/vendors/clair?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/clair.svg"
       alt="Ranked #1 of 11 in EWA — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/clair/install" width="1" height="1" alt="" style="display:none">

Clair — frequently asked

Which companies use Clair?

11 companies disclose Clair in their stack in the Embedded Finance Index 2026, including Intuit QuickBooks, 7shifts, Criterion, Humanity (TCP Software), Fee Free Payday, Evoliz, Alan, TriNet, IDEXX, Arthur Online and 1 other.

What does Clair do?

Clair is an embedded-finance provider in EWA, Lending, BaaS and Payroll. It ranks #1 of 11 EWA providers by disclosed buyers.

What are the alternatives to Clair?

The most-disclosed EWA alternatives to Clair are DailyPay (10 buyers), Stripe (8 buyers), Branch (7 buyers), ZayZoon (7 buyers), Tapcheck (3 buyers) and Gusto Embedded (2 buyers).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Clair and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

Your category, mappedHow your stack compares to Clair and the other buyers it serves.
Build vs. buyWhere a provider relationship would close a gap faster than building it.
A named analyst, not a form replyA short call to scope what's actually worth assessing for you.