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About

Beforepay is an Australian financial service that allows users to access up to $2,000 of their earned wages before payday for a fixed 5% fee, with no interest or hidden charges. The application process is straightforward: users download the Beforepay app, securely connect their bank accounts to verify financial health, and, upon approval, receive funds directly into their accounts, typically within minutes. Repayments are aligned with the user's pay cycle and can be spread across up to four installments, providing flexibility and ease of management. Additionally, Beforepay offers a free in-app budgeting tool that creates a personalized budget based on spending behavior, helping users stay on top of their finances. The service is designed to provide ethical lending options, with transparent fees and no impact on credit scores, aiming to empower users with greater control over their financial well-being.

About

Clair is a workplace-connected banking app that offers free earned wage advances for America’s workforce to offer great financial flexibility and make the money they earn do more for them. Clair works seamlessly with existing payroll systems to offer a full suite of financial wellness tools, including a 2% APY Savings Account†, free withdrawals at 40,000 in-network ATMs*, and a Clair Debit Mastercard®. Clair is free to offer and could help; - Boost retention and engagement with no additional admin lift. - Attract more talent when listed as a part of your benefits package. - Increase Clair users’ savings & reduce reliance on high-interest loans. - Promote financial wellness benefits that are free to offer and don’t impact payroll. Clair is used by over 10,000 businesses across the country. By partnering with Clair, you're not just gaining an earned wage access app, you're gaining a strategic ally committed to the growth and financial well-being of your organization.

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Platforms Supported

Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook

Audience

Professionals seeking a tool to manage their expenses without waiting for their next paycheck

Audience

Workforce Management, Human Capital Management, Payroll Platforms, PEO Systems

Support

Phone Support
24/7 Live Support
Online

Support

Phone Support
24/7 Live Support
Online

API

Offers API

API

Offers API

Screenshots and Videos

Screenshots and Videos

Pricing

Free
Free Version
Free Trial

Pricing

$0
We pride ourselves in offering free earned wage advances with NO predatory fees. Opening a Clair Spending Account is free for employees and free to implement for employers.
Free Version
Free Trial

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

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Reviews/Ratings

Overall 3.3 / 5
ease 3.3 / 5
features 3.1 / 5
design 3.2 / 5
support 3.2 / 5

Pros & Cons from Real Users

Pros

  • Nothing.
  • The benefits it provides our employees to access funds as they need them. The added perks for using the product is also a huge benefit to the employees.
  • Gives me control of my paychecks! I can get paid daily and choose to send it to a debit card, bank, etc. Choosing where and when I get paid in-between paychecks is a game changer.
  • Clair is honestly the best banking app ever. You work and immediately after that you get money in an account to tap into if you need cash early FOR FREE.
  • This is the only bank account where I can get access to the money I have already earned before payday! I have been really impressed with how convenient the account has been and being able to get my money when I need it.

Cons

  • I have had so many problems with this company and when you call about it they blame someone else. Now they are withholding my money and acting like they have no clue. They said it should be there in 24 hours and it’s been 24 hours and it’s not there. They don’t even open to speak to someone until 9am. I have never had to call a company so many times about my money. Clair is a joke.
  • Would like to see ATMs in more commonly visited locations.
  • Nothing! Sometimes I will have an overdue balance from taking a day off, sick day, etc- but thanks to built-in functionality I can easily pay it back!
  • The setup takes a bit of time and it takes some time to understand how the product works
  • It can be confusing at first since it's not a typical payday loan- it is a bank account, so you can only advance what you have on your upcoming paycheck. But this makes sense to me since otherwise how would the company get their money back?

Training

Documentation
Webinars
Live Online
In Person

Training

Documentation
Webinars
Live Online
In Person

Company Information

Beforepay
Founded: 2019
Australia
www.beforepay.com.au

Company Information

Clair
Founded: 2019
United States
getclair.com

Alternatives

Alternatives

CLAIRE

CLAIRE

Informatica
The Conversion Cloud

The Conversion Cloud

Conversion Logix

Categories

Categories

Integrations

Apple Pay
ArmorCode
Google Pay
Ozone
Red Hat Quay
Samsung Pay
ZeroNorth

Integrations

Apple Pay
ArmorCode
Google Pay
Ozone
Red Hat Quay
Samsung Pay
ZeroNorth
Claim Beforepay and update features and information
Claim Beforepay and update features and information
Claim Clair and update features and information
Claim Clair and update features and information