19:["$","$L1a",null,{"locale":"en","now":"$D2025-04-30T17:43:33.565Z","timeZone":"UTC","messages":{"404":{"metadata":{"title":"404","description":"Explore Rain's Earned Wage Access solution or contact our support team for assistance."},"title":"404","message":"Uh-oh! This page is currently adrift.","back_home":"Back to Home","unicorn":"Unicorn float"},"app-tour":{"pagination":"{current} of {total}","back":"Back","next":"Next","start_over":"Start Over","image_alt":{"balance":"Rain App screenshot showing the employee balance","cashout":"Rain App screenshot showing the cash out page and options for when the employee would like to receive the withdrawal","cashout_2":"Rain App screenshot showing the cash out page and the option to receive the money in 1-3 business day selected","rewards":"Rain App screenshot showing the rewards page","success_withdraw":"Rain App screenshot showing the successful withdraw page","tools":"Rain App screenshot showing the useful tools available on the app related to financial coaches, expenses, taxes and money management","withdraw":"Rain App screenshot showing the withdrawal page and multiple amount options","withdraw_2":"Rain App screenshot showing the withdrawal page and $100 being withdrawn"},"steps":{"welcome":{"about_rain":"Rain Instant Pay is an employer-integrated benefit.\nThat means your company must be partnered with us in order for you to use the app.","pointing_alt":"Illustration of a woman holding a phone and pointing up","subtitle":"Our app gets you paid quickly and securely when you need it most. No bells or whistles—just peace of mind.","start":{"desktop":"Start the Tour","mobile":"Tap to Tour"},"title":"On-Demand Pay\nMade Simple"},"one":{"about":"Your available earned wages are calculated in near real-time.\n\nIt's the amount set by your employer to ensure you receive a positive paycheck on payday.","title":"Track your earnings."},"two":{"title":"Initiate a transfer.","about":"The Cash out button starts a new and secure transaction."},"three":{"title":"Select an amount.","about":"Choose from a fast cash option or enter a custom amount of your choice."},"four":{"title":"Let's customize today.","about":"Enter the amount of funds you would like to transfer."},"five":{"title":"Choose a transfer method.","about":"Instantly to a personal debit card of choice for a small fee or..."},"six":{"title":"Choose a transfer method.","about":"1-3 business days to an existing bank account for FREE."},"seven":{"title":"Confirm your selection.","about":"Carefully review the summary of your transaction.\n\nAny service fees will be clearly displayed here. (We don’t believe in surprise charges.) "},"eight":{"title":"You've got cash!","about":"Your transfer has been processed and funds are on their way."},"nine":{"title":"Check your transaction history.","about":"Tap on Balance to view recent transfers and balance updates."},"ten":{"title":"Discover rewards.","about":"Tap on Rewards to find available bonuses or special offers."},"eleven":{"title":"Explore financial wellness tools.","about":"Tap on Tools for access to financial features designed to help you reach your goals."},"twelve":{"desktop":{"title":"Need help? We're here.","about":"Remember, our care team is always available to you via chat."},"mobile":{"title":"All set for success!","start_over":"Start over","close":"Close Window","footer":"It's all rainbows from here."}}}},"case-studies":{"metadata":{"title":"Case Studies","description":"Rain transforms payroll and employee financial wellness across industries. Explore our success stories of measurable business impact."},"case_studies":"Case Studies","details":{"download_pdf":"Download PDF","industry":"Industry","employees_quantity":"# of Employees","us_headquarters":"U.S. Headquarters","share":"Share this case study:","more_cases":"More Case Studies"},"introduction":{"alt_growth":"Illustration of a chart with increasing numbers","subtitle":"Rain is helping employers energize their workforce, modernize payroll, and achieve competitive edge. Hear from some of our valued clients—from small businesses to industry giants.","title":"Case Studies"},"implement":{"get_started":"Get Started","title":"Implement on-demand pay with confidence."},"resources":"Resources"},"how-it-works":{"metadata":{"title":"How It Works","description":"Rain simplifies Earned Wage Access through our proven payroll adjustment model. Experience seamless implementation and ongoing support at every phase."},"alts":{"cloud-loading":"An illustration of a blue cloud with a loading symbol","line":"A line separator","code":"An illustration of a screen full of bits of data","rain-app":"Illustration of Rain's EWA mobile app","money":"Flying money bills illustration","woman-working":"Illustration of a woman working","delivery":"Illustration of a delivery mailbox"},"marquee":{"title":"Seamless integration with all systems"},"implementation":{"title":"Streamlined Implementation","details":"Rain has an in-house Implementation Professional Services Organization (PSO) that can deploy the Rain App in as little as 45 days, allowing your employees to benefit from financial flexibility without delay.\n\nOur Implementation Team was awarded a perfect NPS score of +100, reflecting consistency in delivering exceptional experiences through deep expertise, meticulous project management, streamlined processes, and quality hypercare.","learn-more":"Learn More"},"ewa-model":{"get-started":"Get Started","subtitle":"Our payroll adjustment model makes the entire Earned Wage Access (EWA) experience simple, easy, and efficient.","title":"Rain's Acclaimed EWA Model","slide":{"imported-data":{"title":"Earned wage data is imported.","description":"Rain seamlessly integrates with Human Capital Management (HCM) and Time & Attendance (T&A) platforms, allowing for near real-time calculation of earned wages without requiring any changes to existing payroll processes."},"rain-app":{"title":"Wages are accessed via the Rain App.","description":"Employees can transfer up to 50% of gross earnings from their current pay period balance to a bank account for free or instantly to any card for a small fee. Rain provides the advance funding and ensures positive take-home pay on payday."},"advanced-wages":{"title":"Advanced wages are withheld and Rain is repaid.","description":"Following each pay cycle, Rain delivers EWA adjustments that import directly into your payroll system. Simply run payroll normally with wages, taxes, and deductions (EWA advances included). Then reimburse Rain for the total amount of user advances."}}},"real-people":{"title":"Supported by Real People","description":"You'll be supported by a dedicated Customer Success Manager who'll coordinate with our in-house experts across functions to drive results.","support":{"customer-success-operation-specialists":"Customer Success

Operation Specialists","cs-manager":{"title":"Customer Success Manager","description":"Your CSM will be your main point of contact, leading the charge and collaborating with you every step of the way."},"implementations-manager":"Implementations

Manager","user-care-agents":"User Care

Agents","implementations-engineer":"Implementations

Engineer","finance-specialists":"Finance

Specialists","technical-support-engineers":"Technical Support

Engineers"}},"onboarding":{"alts":{"ellipse":"Illustration of a half ellipse shape","rain-app":"Image of three smartphones showcasing the Rain mobile app"},"app-tour":"Tour the App","title":"Onboarding Phases","description":"We'll collaborate on custom communication strategies and adoption campaign materials to set your employees up for success.","steps":{"prepare":{"title":"Prepare","subtitle":"1-2 weeks prior to launch","description":"The prepare stage ensures corporate manager and employee readiness."},"aware":{"title":"Aware","subtitle":"First 30 days of launch","description":"The aware stage builds and reinforces awareness of the program."},"share":{"title":"Share","subtitle":"Ongoing","description":"The share stage keeps Rain top-of-mind to nurture engagement."}}}},"nps-modal":{"title":"What is NPS?","description":"NPS (Net Promotor Score) is the gold standard customer experience metric developed by Bain and Company. It’s used by millions of businesses to measure customer satisfaction and loyalty. Scores can range from -100 to +100.","improvement":{"number":"-100 - -1","description":"Needs Improvement"},"good":{"number":"0 - 29","description":"Good"},"great":{"number":"30 - 69","description":"Great"},"excellent":{"number":"70 - 100","description":"Excellent"}},"about":{"metadata":{"title":"About Us","description":"Rain empowers financial freedom through responsible Earned Wage Access. Learn how our people-first approach is transforming workplace benefits."},"financial_freedom_ahead":{"title":"Financial Freedom Ahead","description":"Rain's mission is to empower everyone to reach financial freedom. By delivering responsible Earned Wage Access, we enable employees to live comfortably within their means—free from financial stress."},"marquee":{"title":"Investors who share our vision"},"on_the_air":{"kicker":"ON THE AIR","title":"Leading the Future of EWA","description":"Our CEO, Alex Bradford recently joined Peter Renton on the Fintech One-on-One Podcast to discuss how Earned Wage Access is transforming the future of workforce financial wellness.","cta":"Listen Now","people_work_alt":"People working"},"grow_with_us":{"title":"Grow with us.","cta":"Search Jobs"}},"articles":{"metadata":{"title":"Articles & Insights","description":"Stay informed with Rain's latest insights on Earned Wage Access. Explore trends, success stories, and industry perspectives."},"articles":"Articles","blog":"Blog","details":{"author_alt":"Illustration of the article writer","author":"Author","email_alt":"Share on E-mail icon","facebook_alt":"Share on Facebook icon","linkedin_alt":"Share on Linkedin icon","publish_date":"Publish Date","rain_author":"Rain Staff","share_article":"Share this article:","twitter_alt":"Share on Twitter icon","more-articles":"More Articles"},"read_more":"Read More","resources":"Resources","introduction":{"alt_reading":"Illustration of a woman learning by reading a book","about":"Learn all about Earned Wage Access (EWA) through the unique perspective of Rain’s in-house financial experts and stay up to date on exciting announcements.","title":"Articles & Insights"},"featured":{"alt_featured":"Image of the featured article"},"categories":{"all":"All","case-study":"Case Study","announcement":"Announcement","blog":"Blog","financial-wellness":"Financial Wellness"}},"awards":{"metadata":{"title":"Awards","description":"Rain's dedication to customer success and product innovation has earned industry acclaim. View our growing list of awards."},"introduction":{"alt_reading":"A woman getting stars for her achievements","about":"Our clients and end users power our success. See how our dedication to them has earned industry recognition.","title":"Awards & Accolades"},"awards_list":{"g2Spring2025":{"title":"G2 Spring 2025","description":"Rain achieved 6 awards in the Financial Wellness and Earned Wage Access categories.","grid_leader":"Grid Leader Award","high_performer":"High Performer Award","easiest_to_use":"Easiest to Use Award","easiest_admin":"Easiest Admin Award","best_meets_requirements":"Best Meets Requirements Award"},"g2Winter2025":{"title":"G2 Winter 2025","description":"Rain achieved 8 awards in the Financial Wellness and Earned Wage Access categories.","best_result":"Best Result Award","high_performer":"High Performer Award","easy_to_use":"Easy to Use Award","easiest_admin":"Easiest Admin Award","best_meets_requirements":"Best Meets Requirements Award"},"g2Fall2024":{"title":"G2 Fall 2024","description":"Rain achieved 2 awards in the Earned Wage Access category.","high_performer_2024":"High Performer 2024 Award","easiest_to_use_2024":"Easiest to Use 2024 Award"},"g2Summer2024":{"title":"G2 Summer 2024","description":"Rain achieved 2 awards in the Earned Wage Access category.","high_performer_summer_2024":"High Performer Summer 2024 Award","easiest_to_use_summer_2024":"Easiest to Use Summer 2024 Award"},"hrTechAwards2024":{"title":"HR Tech Awards 2024","description":"Rain was named the “Best Innovative or Emerging Tech Solution” in the “Total Rewards and Employee Wellbeing” category.","hr_tech_awards":"HR Tech Awards"}}},"careers":{"metadata":{"title":"Careers","description":"Join Rain's mission to empower financial freedom through innovation and responsibility. Explore careers where your talent drives meaningful change."},"careers":{"title":"Careers at Rain","subtitle":"Welcome to Rain, where we're reinvigorating the workforce by delivering responsible on-demand access to pay. We’re excited to continue setting the standard in our industry with the brightest of talent. Whether you're a numbers whiz, tech enthusiast, or driven by social impact, there's a spot for you here.","about":"As an equal opportunity employer, Rain is committed to diversity, equity, and inclusion. Our people bring our products and organization to life, and every unique perspective makes us better. If you need accommodation in the recruiting process due to a disability, please email hr-us@rain.us or let your recruiter know.","search_jobs":"Search Jobs"},"values":{"1":{"title":"Unity","body":"We embody 'Tamo Junto,' fostering an inclusive environment where everyone belongs. We promote mentorship, knowledge sharing, and team cohesion, driving collective growth and success."},"2":{"title":"Innovation","body":"We cultivate curiosity, continuously seeking novel solutions to complex problems. Our innovative spirit encourages creative thinking, experimentation, and the readiness to challenge the status quo."},"3":{"title":"Accountability","body":"We entrust ownership, empowering team members to drive results through thoughtful decisions. We set high standards, take initiative, and manage time effectively to deliver excellence."},"4":{"title":"Empathy","body":"We prioritize understanding our customers' needs, challenges, and aspirations. Through active listening and anticipation, we nurture experiences that improve lives and build lasting impact."},"5":{"title":"Leadership","body":"We thrive on agility, swiftly adapting to our ever-changing industry landscape. Our forward-thinking approach enables us to set trends, seize opportunities, and stay ahead in shaping the future of pay."},"our_values":"Our values"},"benefits":{"1":{"title":"Remote or Hybrid Workforce","body":"Work from home, at a cafe, or in our historic (and pup-friendly) Nashville office. We believe in flexible work arrangements that promote productivity."},"2":{"title":"Flexible Time Off","body":"Take the well-deserved time you need to rest and recharge. We offer flexible time off, trusting our team to balance responsibilities with life outside of work."},"3":{"title":"Full Benefits","body":"We provide a comprehensive benefits package that includes medical, dental, and vision coverage to support your overall health."},"4":{"title":"Monthly Stipend","body":"Enjoy a monthly stipend to use towards your home-office, office-office, or professional development. Sometimes it’s the little things that count."},"5":{"title":"401(k)","body":"At Rain, we're invested in your future. Our 401(k) plan supports your long-term financial goals with diverse investment options."},"6":{"title":"Personal Wellness Programs","body":"Wellness is a priority at Rain. We partner with programs like Headspace and Wellhub to help you maintain mental and physical balance."},"title":"Benefits & Perks"}},"compliance":{"metadata":{"title":"Compliance","description":"Experience Earned Wage Access with confidence through Rain's rigorous compliance standards. Stay informed with expert guidance on evolving regulations."},"download-pdf-section":{"title":"Compliance","description":"Rain combines industry-leading technology with rigorous compliance standards, staying ahead of the evolving EWA regulatory landscape. Bookmark for updates on EWA regulation developments.","button-text":"Download PDF"},"expansions":{"collapse_all":"Collapse All","expand_all":"Expand All"}},"employees":{"metadata":{"title":"Get Paid Daily","description":"Access your earned wages when you need them with the Rain App. Experience financial flexibility without waiting for payday."},"clock_in_cash_out":{"title":"Clock In, Cash Out","description":"If your employer offers Rain as a benefit, you can access your earned wages ahead of payday. Any time, for any reason.","get_started":"Get Started","tour_app":"Tour the App","qr_code_alt":"QR Code to download Rain app","apple_store_alt":"Apple App Store","play_store_alt":"Google Play Store","app_screens_alt":"Rain app screens showing various features","how_it_works":{"title":"How it works","your_employer_partners_with_rain":{"title":"Your employer partners with Rain.","description":"Once the program is set up, you'll receive an announcement through your employer."},"download_the_app_and_sign_up":{"title":"Download the app and sign up.","description":"Launch the app and sign up by verifying basic information and linking us to an existing

bank account or debit card of your choice."},"start_using_rain_instant_pay":{"title":"Start using Rain Instant Pay.","description":"Immediately track available earned wages, make transfers, and explore financial wellness tools."},"get_the_remaining_wages_on_your_next_paycheck":{"title":"Get the remaining wages on your next paycheck.","description":"The exact amount you withdrew during the pay period will appear as a single line deduction on your pay stub."}}},"meditation":{"title":"Financial wellness isn't just about money. It's about peace of mind.","illustration_alt":"Person meditating","features":{"financial_safety_net":{"title":"Financial Safety Net","description":"Be more equipped to manage the unexpected and emergency expenses life throws at you."},"debt_relief":{"title":"Debt Relief","description":"Reduce the need to rely on high-interest loans, credit cards, and other unsustainable options."},"balance_income":{"title":"Balance Income & Expenses","description":"Better align your pay with your bills and start eliminating any unnecessary late payment fees."},"financial_learning":{"title":"Financial Learning","description":"Access free in-app tools like overdraft alerts, spending trends, and financial coaching."}}},"meet_james":{"title":"Meet James","description":"Having flexible access to earned wages can make a difference on your wellbeing. James shares how Rain Instant Pay has helped him gain financial confidence and control. Rain's easy-to-use app has become his go-to for bridging the gaps between scheduled paychecks.","hear_about_us":"Hear about us from your employer?","get_started":"Get Started","video_alt":"Meet James video"},"support":{"title":"Need app support?","description":"We're here 24/7 to answer your questions and help you navigate your account.","email":{"label":"Email","value":"care@rain.us"},"phone":{"label":"Phone","value":"1-424-369-RAIN"},"chat":{"label":"In-app chat","value":"Launch and tap on the chat icon."},"help_desk":{"label":"Help desk","value":"Browse topics or send a message."},"support_man_alt":"Support representative"},"faq":{"title":"FAQ","can_anyone_use":{"title":"Can anyone use the Rain App?","content":"Rain Instant Pay is an employer-integrated benefit. That means your company must be partnered with us in order for you to access the app."},"what_are_benefits":{"title":"What are the benefits of Rain?","content":"Rain Instant Pay allows you to cash out a portion of your earned wages ahead of your scheduled paycheck. It can provide a safety net for unexpected or emergency expenses, reduce the need for high-interest credit cards, and help you save for the future. The amount available is based on your accrued, unpaid wages."},"how_does_rain_work":{"title":"How does Rain work?","content":{"setup":"Once your employer has implemented Rain, your pay information is transmitted through a secure connection. Your wage balance (based on pay rate and the hours you have worked) will be populated daily and made available to you in the app. Depending on your employer setup, an allowed percentage may be in place to help you maintain financial balance.","transfers":"Transfers can be made to a personal bank account or debit card. You can choose to receive funds immediately for a small fee or in 1-3 days via ACH transfer for free. The amount that you withdraw will be deducted from your next paycheck. It will appear on your pay stub as a line item so there's never any confusion."}},"how_to_sign_up":{"title":"How do I sign up?","content":"Getting started is fast and easy! After your employer announces your new benefit, head over to the Apple App Store or Google Play Store and download Rain Instant Pay. Launch the app and click on \"Create Account.\" From there, follow the messaging prompts and you'll be on your way."},"new_bank_account":{"title":"Do I have to open any new bank accounts?","content":"You are not required to apply for or open a new account in order to access your funds."},"direct_deposit":{"title":"Will my direct deposit change?","content":"Rain will not interfere with your direct deposit."},"is_rain_secure":{"title":"Is the Rain App secure?","content":"Rain takes security seriously and has important safeguards in place to protect your account. These include one-time passwords (via phone or email) for account access and in-app verification for accessing sensitive information. We also employ additional protections when changing any sensitive data. These features work together to keep your account secure and reduce the risk of fraud."},"get_company_to_offer":{"title":"How can I refer Rain to my employer?","content":"The best way to show interest in our Earned Wage Access benefit is to share our contact form with your payroll department. Don't forget to mention that Rain benefits both employees and the company by providing financial flexibility and job satisfaction."}}},"events":{"metadata":{"title":"Events","description":"Connect with Rain at industry events nationwide. Meet our team and learn how we're transforming Earned Wage Access."},"introduction":{"title":"Events","about":"From conferences to trade shows, we're sharing the power of Earned Wage Access. Join us at the following events.","alt_airplane":"Airplane"}},"ewa":{"metadata":{"title":"Earned Wage Access Explained","description":"Get the facts about Earned Wage Access. Discover how this benefit differs from loans and advances while maintaining your existing payroll processes."},"title":"What is Earned Wage Access?","subtitle":"Earned Wage Access (EWA) is a financial benefit that gives hourly and salaried employees access to their accrued wages ahead of their traditionally scheduled payday. It’s offered as a voluntary perk by companies who are heavily invested in the wellbeing and satisfaction of their hard-working teams. As a more flexible, more desired pay disbursement solution, EWA is reshaping how the workforce engages with their earned income. A study by Ceridian revealed that 83% of U.S. workers between the ages of 18-44 believe they should have access to their earned wages at the end of each shift. \n \n Here, we break down common myths about EWA, also known as On-Demand Pay (ODP) or Instant Pay.","researcher":"Education research","wrong":"Wrong assumption","correct":"Correct assumption","myth1":{"title":"Myth #1","myth":"EWA is a payday loan.","wrong":"A payday loan operates as a form of credit. Employees who opt for this type of loan are borrowing money and committing to repay it by their next payday. It’s a loan against their future income that often comes with high interest and fees. It can produce a cycle of debt, causing financial stress and impeding on long-term goals.","correct":"With EWA, employees can access the money they've already earned. It removes the need for borrowing or loans. This provides increased financial flexibility without incurring any associated financial risks."},"myth2":{"title":"Myth #2","myth":"EWA is a cash or pay advance.","wrong":"A cash or pay advance gives employees access to anticipated but not yet earned wages. It involves receiving a portion of the salary in advance from the employer. However, there's a risk, as employees must commit to working to repay the advance. If the employee doesn't complete the agreed-upon work, they must repay the advance to the employer from their own funds, potentially causing financial strain.","correct":"In contrast, EWA provides access to wages that employees have already earned. Regardless of circumstances, the employee is financially entitled to the funds received without needing to repay their employer."},"myth3":{"title":"Myth #3","myth":"EWA disrupts paycheck distribution.","wrong":"EWA is thought to disrupt traditional payroll systems, which operate on fixed schedules with full paychecks distributed at set intervals. This misconception stems from concerns about changing established payroll processes.","correct":"In reality, EWA works alongside payroll systems, addressing the rigidity that can leave employees vulnerable to cash flow issues between pay periods. EWA enhances paycheck distribution by providing flexibility without compromising payroll integrity. It empowers employees financially while maintaining traditional payroll structures."}},"faq":{"title":"FAQ","what_is_rain":{"title":"What is Rain?","content":"Rain is a market leader in Earned Wage Access (EWA) and the fastest growing provider in the category. Rain allows employees to access their wages prior to payday through the Rain App at no cost to the employer."},"what_makes_rain_different":{"title":"What sets Rain apart?","content":{"responsibility":{"title":"Responsibility & Transparency","content":"Rain requires the least amount of data out of all US providers. Employers have the ability to set guardrails on employee transactions, preventing unsustainable habits and fees."},"program":{"title":"Program Reliability","content":"Rain’s payroll adjustment model allows employers to maintain complete control over payroll and data with minimal operational involvement."},"support":{"title":"Best-In-Class Support","content":"Rain requires the least amount of data out of all US providers. Employers have the ability to set guardrails on employee transactions, preventing unsustainable habits and fees."}}},"what_dos_rain_cost":{"title":"What does Rain cost?","content":{"impact":{"content":"There’s no impact on cash flow for employers when implementing Rain’s EWA program. We also provide complimentary white-glove support—from technical implementation to onboarding to post-launch—ensuring a positive experience every step of the way."},"download":{"content":"Employees can download the Rain App for free and access their funds in two ways:","items":{"ach":"A free ACH transfer to an existing bank account (1-3 days)","fee":"A small fee for an immediate push to a personal debit card"}}}},"how_easy_implement":{"title":"How easy is it to implement Rain?","content":{"onboarding":{"content":"Rain offers a seamless onboarding experience that reflects the quality of our teams, processes, and expertise."},"go_live":{"title":"Average go-live is less than 45 days.","content":"Rain is partnered and integrated with major payroll and timekeeping providers, ensuring the timeliest of launches."},"nps":{"title":"Rain has a perfect NPS score of +100 in implementations.","content":"Our team delivers on exceptional support, from technical implementation to launch strategy to hypercare."},"adoption":{"title":"Our average adoption rate is upwards of 25%+.","content":"Rain puts real energy and dedicated resources into making sure employees are fully informed and equipped to use Rain."}}},"benefit_employee":{"title":"How does Rain benefit employees?","content":"Rain empowers employees with greater financial control and peace of mind. By providing on-demand access to earned wages through our user-friendly app, Rain eliminates the need for high-interest credit cards or predatory payday loans when facing unexpected expenses."},"benefit_employer":{"title":"How does Rain benefit employers?","content":"Rain offers a strategic advantage for employers committed to enhancing their workforce's financial wellbeing while gaining a competitive edge. Our metrics demonstrate that organizations using Rain experience increased retention, improved attendance, and boosted hiring results."},"payday_routines":{"title":"Will Rain disrupt existing payday routines?","content":"Rain does not disrupt existing payday routines; instead, it works seamlessly alongside your current payroll processes. Your regular pay periods and payday schedules remain unchanged, with Rain simply offering employees the flexibility to access a portion of their earned wages between paydays."},"operational":{"title":"How much effort does Rain require?","content":"Rain is designed to minimize operational work for employers. Our system integrates seamlessly with your existing platforms, requiring minimal setup and maintenance. With automated data imports, secure wage access, and repayment, Rain operates efficiently in the background, allowing you to focus on core business operations."}},"faq-card":{"title":"Rain Visa® Debit Card FAQ","questions":{"general":{"title":"General Questions","demand_deposit_account":{"question":"What is a Demand Deposit Account (DDA)?","answer":"A DDA is a bank account where funds can be deposited and withdrawn at any time."},"debit_card":{"question":"What is a debit card?","answer":"A debit card is a physical or virtual card that allows you to access funds in your DDA for purchases, ATM withdrawals, and other transactions."},"difference_debit_credit":{"question":"What is the difference between a debit card and a credit card?","answer":"A debit card withdraws funds directly from your bank account for purchases, while a credit card allows you to borrow funds up to a limit and repay them later, often with interest."},"access_agreements":{"question":"How do I access the Agreements from when I signed up for my Rain Bank Account?","answer":"You can access the Deposit Account Terms of Service at rainapp.com/terms/tos-card and the Deposit Account E-Sign Agreement at rainapp.com/terms/e-sign-card."},"forget_pin":{"question":"What should I do if I forget my PIN?","answer":"You can reset your PIN by logging into the Rain app and navigating to the 'Forgot PIN' section of the 'Cards' tile or by calling our card support at (833) 480-0566."},"wrong_pin":{"question":"What happens if I enter the wrong PIN multiple times?","answer":"Entering the wrong PIN repeatedly may lock your debit card for security. If your card is locked due to too many incorrect PIN entries, contact our card support at (833) 480-0566 for assistance."},"difference_available_balance_deposit":{"question":"What is the difference between 'Available Balance' and 'On Deposit'?","answer":"Available Balance' is the balance as a result of all transactions, including those pending. 'On Deposit' reflects the balance as a result of only posted transactions, excluding those that are pending."},"debit_card_lost":{"question":"What should I do if my debit card is lost or stolen?","answer":"Immediately log into the Rain app and lock your card, then contact our card support at card@rainapp.com or call (833) 480-0566 for assistance."},"damaged_debit_card":{"question":"How do I report a damaged debit card?","answer":"If your card is damaged and no longer usable, contact our card support at card@rainapp.com or call (833) 480-0566 for assistance."},"multiple_debit_cards":{"question":"Can I have multiple debit cards for the same Rain Bank Account?","answer":"At this time, you can only have one Rain Visa® Debit Card associated with your Rain Bank Account."}},"getting_started":{"title":"Getting Started","application_denied":{"question":"My application was denied, can I still open a Rain Bank Account?","answer":"If your application was denied, we will not be able to provide you a Demand Deposit Account and you will not receive a debit card. You will receive an email with more details about the denial."},"card_arrival":{"question":"How long does it take for my card to arrive?","answer":"Once your application is complete, your card typically arrives within seven (7) business days at the shipping address provided during sign up."},"activate_card":{"question":"How do I activate my debit card?","answer":"You can activate your card by logging into the Rain app and navigating to the 'Cards' tile or calling our card support at (833) 480-0566. Make sure you have the card on hand before activating."},"direct_deposit":{"question":"How do I set up Direct Deposit?","answer":"To set up direct deposit, go to the 'Account Details' section of the 'Cards' tile in the Rain app. Locate your Account Number and Routing Number, then provide these details to your HR department or enter directly in your employer's payroll provider system. Once you've updated your direct deposit details, on your next paycheck you should see these funds deposited into your Rain Bank Account."},"add_funds":{"question":"How do I add funds to my Rain Bank Account?","answer":"To add funds, log into the external account you want to transfer money from and add your DDA account details to initiate the transfer. You can find these details in the 'Account Details' section of the 'Cards' tile in the Rain app."}},"transactions":{"title":"Transactions","fees":{"question":"Are there fees associated with using my debit card?","answer":"Fees may apply, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details.

Some common fees include:

- Out-of-network domestic ATM withdrawal: $3.50 per withdrawal

- Foreign transaction: 3.00% of transaction amount"},"limit_daily":{"question":"Is there a limit on daily debit card transactions?","answer":"Limits may apply, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details.

Some common limits include:

- ATM withdrawals: $1,000 per day

- Point of Sale (POS) card debits: $5,000 per day

- ACH debits: $1,500 per day"},"online_purchases":{"question":"Can I use my debit card for online purchases?","answer":"Yes, you can use your card for online transactions. Make sure your card is activated before use."},"international_use":{"question":"Can I use my debit card internationally?","answer":"Yes, you can use your outside of the United States, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details. A 3.00% currency conversion and foreign transaction fee may apply."},"add_funds":{"question":"How do I dispute an unauthorized transaction?","answer":"To dispute an unauthorized transaction, contact us at disputes@rainapp.com or call (833) 480-0566 to begin the dispute process."}}},"rain_is_not_bank":"Rain is not a Bank. Rain Bank Account is a demand deposit account established by, and the Rain Debit Card is issued by, Pathward®, N.A., Member FDIC. pursuant to a license by Visa U.S.A. Inc, and can be used everywhere Visa debit cards are accepted."},"features":{"metadata":{"title":"Why Rain","description":"Rain delivers transparent Earned Wage Access experiences without complexities. No cash flow impact, seamless integration, and dedicated support for both employers and employees."},"introduction":{"title":"Rain Instant Pay","video_rain_explainer_alt":"Rain explainer video","subtitle":"The value of earned wage access","left-section-title":"Employers","left-section-description":"Rain's EWA program generates goodwill among employees while enhancing retention, attendance, and recruitment for your business.","right-section-title":"Employees","right-section-description":"Our app gives employees access to their earned wages early, assisting on the journey to a more comfortable financial future.","action-1":"Get Started","action-2":"How it works"},"integrity":{"title":"Designed with Integrity","rain_experience":"Rain delivers a transparent employee experience that continuously evolves to meet real-world demands.","real_world_demands":{"one":{"title":"free transfer option","description":"Employees have two options when cashing out: ACH for free or instantly to an existing card for a small fee."},"two":{"title":"payday reliability","description":"Paychecks are not compromised because our payroll adjustment model keeps employers in control of disbursement."},"three":{"title":"pay stub transparency","description":"Total advanced wages per pay cycle are clearly displayed on a single line item on pay stubs.\nThat means zero confusion."},"four":{"title":"transaction guardrails","description":"Employers are able to set withdraw limits on employee transactions to help prevent unsustainable habits and fees."},"five":{"title":"preserved banking habits","description":"Employees can transfer wages to existing bank accounts, with onboarding to first transaction completed in under 60 seconds."},"six":{"title":"24/7 in-house user care","description":"Our US-based team is available via in-app chat, email, text or phone with an average response time of \n< 1 minute."},"seven":{"title":"always-on availability","description":"100% approval with no KYC required and 99.99% balance availability uptime means no blackout periods."},"eight":{"title":"lightweight data collection","description":"We're the most data minimalist in the industry, only collecting 6 basic fields. Never highly sensitive information like SSN or DOB."},"nine":{"title":"privacy & security","description":"Rain has strict security measures in place to prevent sharing of information and fraudulent use\nof accounts."}}},"efficiency":{"title":"Built for Efficiency","rain_simplifies":"Rain simplifies adding a financial wellness program to your benefits library without burdening your HR and Payroll teams.","benefits":{"one":{"title":"no impact on cash flow","description":"Implementation is free of cost and Rain provides the funding, allowing you to stay budget neutral while empowering staff."},"two":{"title":"control over payroll","description":"Our program doesn't require you to surrender payroll control, eliminating complicated layers and reputational risks."},"three":{"title":"in-house client support","description":"A team of experts will loop with you across your entire EWA journey—from implementation to onboarding and beyond."},"four":{"title":"streamlined implementation","description":"Our modernized process led by our certified technical implementation experts will have your new benefit up and running in < 45 days."},"five":{"title":"compatible with all systems","description":"Rain's solution is fuss-free and seamlessly integrates with your existing payroll and timekeeping systems, expediting launch."},"six":{"title":"limited employee requests","description":"Our user care team is available 24/7 answering and fully resolving employee inquiries, putting your teams at ease."},"seven":{"title":"minimal administrative lift","description":"Operational efforts from your teams are narrowed to a single payroll deduction ingestion at the end of each pay period."},"eight":{"title":"employer-integrated","description":"Rain's model aligns better with financial regulations and offers employees more transparency and lower costs."},"nine":{"title":"self-serve client portal","description":"Set withdraw and transactional limits, analyze program impact, make adjustments to employee status, and more as needed."}}},"delivered":{"title":"Delivered \nwith Care","description":"Providing personalized customer support is in our DNA. Our industry-leading NPS® scores are proof that our clients trust us and are proud champions of our product.","cards":{"one":{"title":"Customer Service","number":"71","description":"Rain's customer success team ensures every client receives a tailored experience. Regular check-ins, engagement campaigns, and detailed analytics are just some of the ways we collaborate with employers."},"two":{"title":"Implementation","number":"100","description":"Rain's stellar implementation team has earned and maintained a perfect score, reflecting the dedication, expertise, efficient processes, and the seamless onboarding experience it enables."}},"hint":{"title":"What is NPS?","description":"NPS (Net Promotor Score) is the gold standard customer experience metric developed by Bain and Company. It's used by millions of businesses to measure customer satisfaction and loyalty. Scores can range from -100 to +100."}},"compliance":{"title":"Raising the Compliance Bar","measures":"As a relatively new benefit in a rapidly evolving industry, it's important for employers evaluating potential EWA solutions to consider, at least in part, the regulatory compliance measures that the providers apply to their own businesses.","confidence":"At the end of the day, you should have confidence in the EWA provider you choose to entrust with your employee's financial wellness.","learn_more":"Learn More"},"marquee":{"title":"Partners delivering \nearned wage access responsibly"},"announcements":{"title":"In Good Company","description":"Rain partners with technology industry leaders to amplify the cost saving benefits of our Earned Wage Access solution.","one":{"title":"Rain Named Workday Services Partner","description":"Rain has announced a signed partnership agreement with Workday, Inc. 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Learn more.","awards":{"title":"Awards","alt_g2spring2025_grid_leader":"G2 Spring 2025 Grid Leader","alt_g2spring2025_high_performer":"G2 Spring 2025 High Performer","alt_g2spring2025_easiest_to_use":"G2 Spring 2025 Easiest to Use","alt_g2spring2025_easiest_admin":"G2 Spring 2025 Easiest Admin","alt_g2spring2025_best_meets_requirements":"G2 Spring 2025 Best Meets Requirements"},"book_a_demo":"Book a Demo","copyright":"© {year} Rain Technologies Inc.","company":{"title":"Company","about":"About","press":"Press","events":"Events","careers":"Careers"},"employees":{"title":"Employees","help_desk":"Help Desk","app_login":"App Login"},"rain_logo":"Rain Logo","security":{"title":"Security","alt_soc2":"SOC 2 Type 2 security award","alt_aicpa":"AICPA SOC security award","alt_iso":"ISO 27001 certified"},"terms":{"privacy_notice":"Privacy Notice","privacy_notice_link":"/terms/privacy-notice","terms_of_service":"Terms of Service","terms_of_service_link":"/terms/tos","disclosures":"Disclosures","disclosures_link":"/terms/disclosures"},"work_with_us":{"title":"Work with us","as_client":"As a client","as_partner":"As a partner"}},"helpDesk":{"metadata":{"title":"Help Desk | Rain Instant Pay","description":"Get expert support from Rain's dedicated care team. Access quick answers or connect with our specialists for personalized assistance."},"title":"How can we help?","subtitle":"Employees like you asked, we answered. Here are our most popular topics.","support_man_alt":"Support Man","general_questions":{"title":"General Questions","can_anyone_use":{"title":"Can anyone use the Rain App?","content":"Rain Instant Pay is an employer-integrated benefit. That means your company must be partnered with us in order for you to access the app."},"what_are_benefits":{"title":"What are the benefits of Rain?","content":"Rain Instant Pay allows you to cash out a portion of your earned wages ahead of your scheduled paycheck. It can provide a safety net for unexpected or emergency expenses, reduce the need for high-interest credit cards, and help you save for the future. The amount available is based on your accrued, unpaid wages."},"how_does_rain_work":{"title":"How does Rain work?","content":"Once your employer has implemented Rain, your pay information is transmitted through a secure connection. Your wage balance (based on pay rate and the hours you have worked) will be populated daily and made available to you in the app. Depending on your employer setup, an allowed percentage may be in place to help you maintain financial balance.

Transfers can be made to a personal bank account or debit card. You can choose to receive funds immediately for a small fee or in 1-3 days via ACH transfer for free. The amount that you withdraw will be deducted from your next paycheck. It will appear on your pay stub as a line item so there's never any confusion."},"how_to_sign_up":{"title":"How do I sign up?","content":"Getting started is fast and easy! After your employer announces your new benefit, head over to the Apple App Store or Google Play Store and download Rain Instant Pay. Launch the app and click on \"Create Account.\" From there, follow the messaging prompts and you'll be on your way."},"new_bank_account":{"title":"Do I have to open any new bank accounts?","content":"You are not required to apply for or open a new account in order to access your funds."},"direct_deposit":{"title":"Will my direct deposit change?","content":"Rain will not interfere with your direct deposit."},"is_rain_secure":{"title":"Is the Rain App secure?","content":"Rain takes security seriously and has important safeguards in place to protect your account. These include one-time passwords (via phone or email) for account access and in-app verification for accessing sensitive information. We also employ additional protections when changing any sensitive data. These features work together to keep your account secure and reduce the risk of fraud."},"get_company_to_offer":{"title":"How can I refer Rain to my employer?","content":"The best way to show interest in our Earned Wage Access benefit is to share our contact form with your payroll department. Don't forget to mention that Rain benefits both employees and the company by providing financial flexibility and job satisfaction."}},"account_questions":{"title":"Account Questions","how_update_profile":{"title":"How do I update my profile?","content":"Sign in and click on 'More' in the menu. From there, you'll be able to make changes to your card, bank, and address. To update your login email, phone number, or name, you must contact our support team. This is to keep your account secure and to prevent any service disruption."},"how_much_can_transfer":{"title":"How much can I transfer?","content":"The amount you can transfer depends on how your account is set up by your employer. In most cases, it's 50% of your earned wages. This limit is a common safeguard to ensure you still receive a substantial paycheck on payday. Our user care team can help you verify your specific limit."},"how_many_transactions":{"title":"How many transactions can I make?","content":"The number of transactions you can make depends on how your account is set up by your employer. Our user care team can help you verify your specific limit."},"can_increase_transaction_limit":{"title":"Can I increase my transaction limit?","content":"Unfortunately, your transaction limit is set up by your employer during benefit activation. This is to ensure responsible use of the benefit and employees maintain financial stability. However, our user care team can help you verify your specific limit."},"when_balance_reset":{"title":"When will my balance reset?","content":"Your balance resets when your company processes payroll for the previous pay period. Your balance will start to accumulate again once you've worked a shift during the new pay period. Any funds you don't withdraw each period will be part of your next paycheck. They don't disappear; they're simply paid to you through the regular payroll process."}},"everything_else":{"title":"Everything Else","subtitle":"Our care team is happy to help. Connect with us 24/7 via:","email":{"title":"Email","content":"care@rain.us"},"phone":{"title":"Phone","content":"1-424-369-RAIN"},"in_app_chat":{"title":"In-App Chat","content":"Look for the chat icon in your app."},"or":"or","send_us_message":{"title":"Send us a message","content":"Tell us more and we'll be in touch."},"form":{"first_name":{"placeholder":"First Name*","errorMessage":"First name is required"},"last_name":{"placeholder":"Last Name*","errorMessage":"Last name is required"},"email":{"placeholder":"Email* (your Rain App login)","errorMessage":"Please enter a valid email address"},"select_topic":{"placeholder":"Select a Topic","errorMessage":"Please select a topic"},"description":{"placeholder":"Share any information that you think would help us resolve your inquiry. Please do not include any personal information such as SSN or DOB.","errorMessage":"Description is required and must be less than 200 characters"},"submit_button":"Submit","error_message":"Something went wrong. Please try again.","success_message":{"title":"Message sent!","content":"We’ve received your request. Be on the lookout for an email from one of our care specialists!"}}}},"home":{"metadata":{"title":"Earned Wage Access | Rain Instant Pay","description":"Rain streamlines Earned Wage Access with industry-leading standards. Experience an effortless on-demand pay solution designed to bring employers and employees together in financial wellness."},"ewa_summary":"Empower your workforce with instant access to their pay. Implementing our trusted Earned Wage Access solution increases retention, improves attendance, and attracts talent—without complexities or system overhauls.","see_rain_in_action":"See Rain in Action","welcome":"Life doesn’t wait.

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In a recent survey, employees with access to earned wages revealed more satisfaction at work.","see_outcomes":"See Outcomes","data_collected":"*Data collected from a survey of employees after using Rain for a year","circular_progress_bar_1":"of employees felt more satisfied at work","circular_progress_bar_2":"of employees felt less stressed and more productive at work","circular_progress_bar_3":"of employees felt more likely to refer friends to their place of work"},"program_values":{"title":"Our program values are clear as day.","explore_features":"Explore Features","designed_with_integrity":{"title":"Designed with Integrity","description":"Rain provides an Earned Wage Access solution that’s responsible and transparent. We do right by our end users with employer-controlled transaction guardrails, minimalist data collection, pay stub transparency, and financial wellness tools."},"built_for_efficiency":{"title":"Built for Efficiency","description":"Our payroll adjustment model keeps you in control and integrates seamlessly with the systems you already have in place. That means swift implementation, minimal operational involvement, and maximum reliability."},"delivered_with_care":{"title":"Delivered with Care","description":"With industry-leading NPS scores, we're no strangers to providing best-in-class client support. Plus, we're here 24/7 for employees. Our dedicated in-house team delivers quality experiences at every touchpoint for every EWA journey.","hint":{"title":"What is NPS?","description":"NPS (Net Promotor Score) is the gold standard customer experience metric developed by Bain and Company. It’s used by millions of businesses to measure customer satisfaction and loyalty. Scores can range from -100 to +100."}}},"solution":{"title":"A Smart, Simple Solution","description":"Our model allows you to maintain control over payroll while eliminating operational complexities and reputational risks.","learn_more":"Learn More","earned_wage_data":{"title":"Earned wage data is imported.","description":"Rain integrates with HCM and T&A platforms to calculate earned wages in near real-time.","image_alt":"Illustration of a cloud loading data"},"wages_are_accessed":{"title":"Wages are accessed via the Rain App.","description":"Rain provides the funding. Employees transfer wages for free via ACH or instantly for a small fee.","image_alt":"Illustration of phone with Rain app"},"advanced_wages":{"title":"Advanced wages are withheld and Rain is repaid.","description":"Rain integrates with existing payroll systems, seamlessly facilitating deductions.","image_alt":"Illustration of women working"}},"articles":{"title":"Latest Articles & Insights","description":"Stay up-to-date with success stories, press releases, and industry developments.","one":{"title":"The Downward Spiral of Predatory Lending","description":"Rain's Earned Wage Access platform aims to eliminate dangerous predatory lending.","tag":"Blog","alt":"Women holding money"},"two":{"title":"Goodwill Dallas: Empowering Financial Wellness With Rain","description":"After careful consideration, Goodwill Dallas chose Rain for Earned Wage Access for its responsible approach and alignment with its mission.","tag":"Case Study","alt":"Goodwill Dallas people working"},"three":{"title":"Rain Named Workday Services Partner","description":"Rain has announced a signed partnership agreement with Workday, Inc. (NASDAQ: WDAY), a leading provider of solutions to help organizations...","tag":"Announcement","alt":"Workday logo"}}},"metadata":{"title":{"template":"%s | Rain Instant Pay","default":"Earned Wage Access | Rain Instant Pay"},"description":"Rain streamlines Earned Wage Access with industry-leading standards. Experience an effortless on-demand pay solution designed to bring employers and employees together in financial wellness."},"navigation":{"articles":"Articles","buyers_toolkit":"Buyer's Toolkit","case_studies":"Case Studies","compliance":"Compliance","employees":"Employees","employers":"Employers","features":"Features","how_it_works":"How It Works","insights":"Insights","outcomes":"Outcomes","partners":"Partners","provider_guide":"Provider Guide","resources":"Resources","reviews":"Reviews","tools":"Tools","what_is_ewa":"What Is EWA?","client_portal":"Client Portal","book_a_demo":"Book a Demo"},"outcomes":{"metadata":{"title":"Business Impact","description":"Empower your workforce while driving key business outcomes: Increased retention, improved attendance, and boosted hiring results. See Rain's measurable impact."},"impact":{"title":"Why Rain?","get_started":"Get Started","how_it_works":"How It Works","employers":"Impact on Employers","employees":"Impact on Employees","cards":{"one":{"title":"More loyalty","description":"Employees who use Rain have 22 days longer tenure on average, a 49% increase after just 6 months.","did_you_know":"Did you know?","fact":"Employees who are more satisfied at work are more likely to refer friends into their company."},"two":{"title":"More engagement","description":"Employees who use Rain work \n17 more hours per month on average versus those who aren't offered the benefit.","did_you_know":"Did you know?","fact":" Employees are more engaged and productive when they're less stressed about finances."},"three":{"title":"More job applicants","description":"Employers working with Rain experience improved hiring results and get up to 2x more applications on average.","did_you_know":"Did you know?","fact":"Job seekers are more likely to apply for jobs where instant pay is offered as a benefit."},"four":{"title":"More access to funds","description":"Employees can immediately withdraw a portion of their earned wages, for any reason without waiting for approvals.","did_you_know":"Did you know?","fact":"59% of U.S. adults say they're uncomfortable with their emergency savings."},"five":{"title":"More control","description":"Rain provides an alternative to debt traps like late payment fees, overdrafts, high interest cards, and payday loans.","did_you_know":"Did you know?","fact":"12 million Americans take out payday loans each year, spending $9 billion on loan fees."},"six":{"title":"More trust","description":"Employees are confident and can rely on Rain because of our deep employer integration and no-strings-attached services.","did_you_know":"Did you know?","fact":"Some providers require employees to surrender all their wages, creating significant risk."}}},"marquee":{"title":"Companies delivering \nearned wage access responsibly"},"industries":{"title":"Industries & People We Serve","description":"By offering your employees on-demand access to wages, you're not just improving their quality of life—you're nurturing a culture of empowerment, regardless of role or industry.","one":"Healthcare","two":"Hospitality","three":"Manufacturing","four":"Nonprofit","five":"Public Sector","six":"Restaurant & QSR","seven":"Retail","eight":"Transportation & Logistics","learn_more":"Learn More"},"numbers":{"title":"Join Rain's growing community of financial wellness innovators and ambassadors.","partners":"Partners","employees":"Employees","employers":"Employers"},"success":{"title":"Success Stories","description":"Rain customizes the Earned Wage Access experience to meet each client's unique needs. Our blend of human empathy and innovative technology solves for both existing barriers and anticipated future challenges.","one":{"title":"Fiesta Holdings: Combating Employee Payday Loans","description":"Fiesta Holdings, a multi-unit Taco Bell franchise operator, partners with Rain to offer Earned Wage Access to its employees.","tag":"Case Study","alt":"Women holding money"},"two":{"title":"On The Border: Serving Up Financial Flexibility With Rain","description":"After encountering critical issues with DailyPay, On The Border upgraded to Rain for Earned Wage Access.","tag":"Case Study","alt":"Goodwill Dallas people working"},"three":{"title":"Hollywood Feed Unleashes Financial Flexibility","description":"Hollywood Feed partners with Rain to provide Earned Wage Access to its large retail workforce.","tag":"Case Study","alt":"Workday logo"}}},"partners":{"metadata":{"title":"Partners","description":"Partner with Rain, a leading Earned Wage Access provider trusted by enterprises nationwide. Enhance your product offering through our partnership ecosystem."},"benefits":{"fastest_growing_provider":"We're the fastest growing EWA provider with a proven track record of delivering excellence across midmarket and large enterprise.","growing_chart":"An illustration of a chart representing growth","happy_employee":"An illustration of a happy employee","healthy_plant":"An illustration of a healthy plant","increase_sales":"An illustration of a chart of sales growth","highest_adoption_rates":"We have the highest adoption rates in the industry with an average of 29% of monthly active users.","increase_competitiveness":"We'll increase your competitive edge by adding to the most sought-after benefits solution to your product suite.","learn_more":"Learn More","why_partner":"Why partner with us?"},"our_ecosystem":"Our Ecosystem","partner_with_us":"Partner with Us","partners_introduction":"Rain collaborates with an extensive network of leading Human Capital Management (HCM), Payroll, Time & Attendance (T&A), and strategic partners to extend our services to the American workforce. This network encompasses both integration and referral partnerships.","quotes":{"icon_alt":"A quotation mark icon","list":{"1":{"author":"Audrey Hogan, COO at","content":"“I'm thrilled that we could help facilitate this step for Buche's most valuable asset, their people.”","company":"TimeForge"},"2":{"author":"Michael Bench, Co-Founder at","content":"“By partnering with Rain, we're now able to extend our offerings with world-class HR-as-a-service solutions.”","company":"TenrecX"},"3":{"author":"Greg Thompson, CFO at","content":"“WebClock's employers experienced higher employee engagement after migrating to Rain.”","company":"WebClock"}}},"why":{"title":"Rain Instant Pay","video-explainer-alt":"Rain explainer video","subtitle":"Ways to partner with us","left-section-title":"Referral or Marketplace","left-section-description":"We work with HCM, Workforce Management providers, Financial Institutions, GPOs, and PoS solutions.","right-section-title":"Integrated or Productized","right-section-description":"We enable EWA seamlessly into your existing client interface.","action-1":"Learn More","action-2":"Partner with Us"}},"paylocity":{"metadata":{"title":"Seamless Integration with Paylocity","description":"Rain integrates seamlessly with Paylocity without disrupting your payroll process. Explore our secure, effortless implementation."},"introduction":{"title":"Seamless Integration for Earned Wage Access (EWA)","partnership":"Partnership | Rain and Paylocity","get_started":"Get Started","alt":"Paylocity logo"},"overview":{"product":{"title":"Product Overview","workforce":"Rain is on a mission to financially empower the American workforce. Through our employer-integrated platform, employees can access their wages following each shift instead of waiting until payday. Rain is a voluntary employee benefit offered at no cost to employers.","serve":"We currently serve over 2 million employees who have more access to funds, more control, and more security. Our program eliminates the reliance on high-interest cards and payday loans, breaking cycles of debt. By providing financial flexibility, Rain alleviates the stress associated with unexpected expenses and paycheck-to-paycheck living.","partners":"Rain proudly partners with 1,200+ employers across all industries, from midmarket to enterprise, including McDonald's, Cracker Barrel, Marriott, Bealls, Brickyard Health, and Goodwill."},"outcomes":{"title":"Key Outcomes","cards":{"one":{"title":"Increased Retention","description":"Employees who use Rain have 22 days longer tenure on average, a 49% increase after just 6 months."},"two":{"title":"Improved Attendance","description":"Employees who use Rain work 17 more hours per month on average versus those who aren't offered the benefit."},"three":{"title":"Boosted Hiring Results","description":"Employers working with Rain experience improved hiring results and get up to 2x more applications on average."}}},"integration":{"title":"Advanced Integration","description":"Rain's bi-directional integration with Paylocity streamlines implementation and operation, providing employees with access to earned wages in as little as 45 days. This seamless integration is powered by our payroll adjustment model, which enables a quick, easy, and secure rollout.","one":{"title":"Earned wage data is imported from Paylocity.","a":"Rain extracts essential data from Paylocity to provide eligible employees access to earned wages. To prevent unsustainable habits and fees, customizable transaction limits (up to 50% of gross earnings) ensure employees receive positive paychecks on payday.","b":"Basic employee data such as first name, last name, wage rate, wage type, and unique employee ID is imported. Timekeeping information, specifically hours worked, is also extracted."},"two":{"title":"Wages are accessed via the Rain App.","description":"Rain provides the funding. Employees transfer to existing bank accounts free via ACH or instantly for a small fee."},"three":{"title":"Advanced wages are withheld & Rain is repaid.","description":"At the end of each pay cycle, Rain delivers EWA adjustments that are seamlessly imported into Paylocity via API or automated flat file import. Payroll runs as usual, paying out employees' earned wages while withholding taxes and deductions, including EWA advances. The employer then repays Rain."}},"visit":"Visit Paylocity’s Integrations Marketplace for more."},"next_steps":{"title":"Next Steps","get_started":"Get Started","description":"Rain provides complimentary white-glove support throughout the EWA journey, ensuring quality experiences every step of the way: from technical implementation to onboarding to post-launch follow-up. Here’s how to get started:","one":{"title":"Request a Demo","description":"Schedule a demo to see how Rain can benefit your employees and how our solution works with Paylocity."},"two":{"title":"Implementation","description":"Our dedicated in-house professional service team will guide you through the setup process with minimal lift on your end."},"three":{"title":"Employee Onboarding","description":"We provide customized campaign strategy and materials to help you effectively introduce Rain to your workforce."}}},"press":{"metadata":{"title":"Press","description":"Stay current with Rain's latest news and innovations in Earned Wage Access. See how we're advancing financial freedom in the workplace."},"introduction":{"title":"Newsroom","about":"Dive into our latest product innovations and financial milestones.\n\nrain@sourcecodecomms.com","alt_communication":"Person communicating"},"articles":{"pressRelease":"Press Releases","mediaMentions":"Media Mentions","podcasts":"Podcasts"}},"quotes":{"cascadia-global-security":{"author":"Kendal Bryant, VP of Operations at","company":"Cascadia Global Security","content":"“The startup with Rain was one of the most hands off, efficient, simple and positive implementations.”"},"brumit-restaurant-group":{"author":"Lauren Austin, Employee Relations Manager at","company":"Brumit Restaurant Group","content":"“We’ve seen an uptick in our retention rates, and our employees are happier, which is priceless.”"},"brickyard-healthcare":{"author":"Morganne Francois, Benefits Manager at","company":"Brickyard Healthcare","content":"“We’ve seen the measurable value of Rain already, compared to the full year we used Payactiv.”"},"hollywood-feed":{"author":"Melanie Bostick, Payroll Manager at","company":"Hollywood Feed","content":"“Rain does not require more work for me on the payroll side or for our accounting side.”"},"elite-medical-staffing":{"author":"Rachel Gearhart, Controller at","company":"Elite Medical Staffing","content":"“It’s simple. Rain is an easy, smooth time saver. It keeps us focusing on reports and limits manual work.”"},"lcb-senior-living":{"author":"Tammy Lopez, Director of Payroll & Benefits at","company":"LCB Senior Living","content":"“Very simple… It was a very smooth, easy process, and our associates were extremely happy.”"},"timeforge":{"author":"Audrey Hogan, COO at","company":"TimeForge","content":"“I’m thrilled that we could help facilitate this step for Buche’s most valuable asset, their people.”"},"webclock":{"author":"Greg Thompson, CFO at","company":"WebClock","content":"“Webclock’s employers experienced higher employee engagement after migrating to Rain.”"},"symplr":{"author":"Karissa Fuller, Managing Director, SVP at","company":"symplr","content":"“The strategic partnership between symplr and Rain brings tremendous value to our customers.”"},"janna-trustpilot":{"author":"Janna, via","company":"Trustpilot","content":"“Definitely not only convenient but a huge game changer. This company is great!”"},"keah-trustpilot":{"author":"Keah, via","company":"Trustpilot","content":"“If your company is not set up with Rain, they better wake up and get with the program!!”"},"google-play":{"author":"Brent, via","company":"Google Play","content":"“Great customer service. App is very consistent with no flaws or errors encountered to date.”"}},"reviews":{"metadata":{"title":"Reviews","description":"Rain evolves through community feedback to deliver better Earned Wage Access experiences. Discover what employers, partners, and employees are saying."},"foundation":{"title":"A Foundation for Growth","subtitle":"At Rain, we take feedback seriously. We’re actively listening, adapting, and unearthing new ways to enhance Earned Wage Access (EWA) to better serve our employer, partner, and employee communities."},"employers":{"title":"Employers","body":{"title":"Rain has NPS scores of +71 for customer service and +100 for implementations.","subtitle":"Rain provides an Earned Wage Access solution that’s responsible and transparent. We do right by our end users with employer-controlled transaction guardrails, minimalist data collection, pay stub transparency, and financial wellness tools.","hintTitle":"What is NPS?"},"quotes":{"1":{"author":"Morganne Francois, Brickyard Healthcare","quote":"We’ve seen the measurable value of Rain already, compared to the full year we used Payactiv."},"2":{"author":"Kendal Bryant, Cascadia Global Security","quote":"The startup with Rain was one of the most hands off, efficient, simple and positive implementations."},"3":{"author":"Lauren Austin, Brumit Restaurant Group","quote":"They’ve played an integral role in bolstering our retention rates and improving our employees’ financial wellbeing."},"4":{"author":"Jeff Stone, Fiesta Holdings","quote":"Rain has been a big win for us and our employees. It gives us an advantage over companies don’t offer this benefit."},"5":{"author":"Melanie Bostick, Hollywood Feed","quote":"Rain does not require more work for me on the payroll side or for our accounting side."},"6":{"author":"Debbie Jasper, Goodwill Dallas","quote":"Rain has opened a lot of doors for people... Being able to access Rain for them is life-changing."}}},"employees":{"title":"Employees","body":{"title":"Rain’s best-in-class user care team is available 24/7.","subtitle":" App users can connect with our English and Spanish-speaking care team via in-app chat, email, text message, or phone—all with an average response time of under 1 minute."},"quotes":{"1":{"quote":"I get paid biweekly and this app helps make ends meet between pay periods. I no longer have to borrow money from anyone but myself."},"2":{"quote":"This app has saved me too many times!! Words cannot explain how much this has made a difference in my life!!!!"},"3":{"quote":"The function of the app is great with no bugs or crashes. The easy accessibility is my favorite part."},"4":{"quote":"Absolutely Flawless!!!!! Jess showed compassion, empathy and concern regarding my frustration!"},"5":{"quote":"Fantastic, All 3 Concerns Solved! Very Professional And Excellent Communication Skills! 5 Star Customer Service Rating!"},"6":{"quote":"Wow! That was quick! Your service is absolutely AWESOME. It helped me get by some tough spots and I really love this service."}}},"meet_james":{"title":"Meet James","description":"Having flexible access to earned wages can make a difference on employee wellbeing. James shares how Rain Instant Pay has helped him gain financial confidence and control. Rain’s easy-to-use app has become his go-to for bridging the gaps between scheduled paychecks.","hear_about_us":"Learn more about Rain’s Earned Wage Access.","book_a_demo":"Book a Demo","video_rain_explainer_alt":"Rain Explainer Video"}},"security":{"metadata":{"title":"Security","description":"Discover Rain's enterprise-grade security standards and SOC certification. Regular third-party audits ensure your data remains protected."},"title":"Security at Rain","subtitle_first":"Our commitment to your security and compliance is paramount.","subtitle_second":"Rain is regularly audited by an independent third-party consultancy company. We cover the COSO framework and security controls to support the continuation of our SOC certification—a symbol of our commitment to the highest levels of information security controls and safeguards.","security_certifications":{"warrior_image_alt":"Warrior image","title":"Security Certifications","subtitle":"Our security measures exceed industry standards for data protection and security.","certifications":{"iso_27001":{"certification_image_alt":"ISO 27001 certification image","description":"Rain maintains ISO/IEC 27001:2022 certification which demonstrates its continued commitment to information security at every level and ensures its clients that the security of their data and information has been addressed, implemented, and properly controlled in all areas of our organization."},"soc_2_type_2":{"certification_image_alt":"SOC 2 Type 2 certification image","description":"The SOC 2 Type 2 report is an independent auditor’s attestation of the security controls that Rain has in place during the report’s coverage period. This report can be provided upon request for customers and prospects to review Rain's compliance with the documented policies and procedures."},"soc_1_type_2":{"certification_image_alt":"SOC 1 Type 2 certification image","description":"The SOC 1 Type 2 report, like the SOC 2 Type 2 report, is an independent auditor’s attestation of the operational controls that our company has in place during the report’s coverage period. This report can be provided upon request for customers and prospects to review Rain's compliance with the documented policies and procedures."}}}},"terms":{"metadata":{"title":"Agreements & Disclosures | Rain Instant Pay","description":"Rain's terms, agreements, and disclosures for our Earned Wage Access solution. Essential information about your rights and our commitment to transparency."},"title":"Agreements & Disclosures","effective_date":"Effective Date: July 7, 2023","subtitle":"The following terms, agreements, and disclosures are provided by Rain Instant Pay to inform customers of their rights and the public of our business operations. These documents are updated regularly to reflect any changes in our business operations. We work to ensure that our customers have access to the latest information on our services and are always available to assist customers who may have questions or concerns about the contents of our documents.","general":"General Disclosures","agreements":"Account Agreements","content":{"finantial":"Rain is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC.","funds":"Funds deposited into Evolve Deposit Accounts provided by Evolve Bank & Trust are covered by the FDIC standard deposit insurance amount. The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category."}},"toolkit":{"metadata":{"title":"Buyer's Toolkit","description":"Evaluate Earned Wage Access providers with confidence using our free toolkit. Access expert criteria and vendor scorecards for informed decision-making."},"title":"Buyer's Toolkit","subtitle":"When choosing an Earned Wage Access (EWA) provider, it's important to ask a complete set of questions to ensure you're making the best decision for your organization.","question":"A sample of questions to consider:","questions":{"one":"Is the EWA program powered by the provider, or do they rely on white-labeling/partnering with another vendor to deliver the service?","two":"Can employees use their existing bank accounts to access all features?","tree":"When employees have a question about the EWA program, who can they contact for help? Is 24/7 live support available?"},"form-title":"Selecting the right EWA partner means knowing what to ask and focusing on the right details. Fill out the form to receive a comprehensive list of questions plus a vendor scorecard. ","submit":"Submit","alt_find":"Buyer's Toolkit"},"provider-guide":{"metadata":{"title":"How to Buy Earned Wage Access","description":"Navigate Earned Wage Access confidently with our comprehensive guide. Compare solutions, understand implementation, and choose the right provider for your needs."},"download-pdf-section":{"title":"A Master Class in Earned Wage Access","description":"This decision-maker's guide delivers expert insights into Earned Wage Access (EWA) solutions. Learn how to evaluate core benefits and risks as you navigate your provider vetting journey.","button-text":"Download PDF"},"evolution":{"title":"The Evolution of Earned Wage Access","milestones":{"2019":{"title":"2019","description":"Rain launched its Instant Pay app with a vision to be the easiest-to-implement provider of EWA services, focusing on social impact, financial stability, and simplicity. This vision resonated with top brands in the U.S., leading to widespread adoption."},"2020":{"title":"2020","description":"The COVID-19 pandemic accelerated the adoption of Earned Wage Access as many employees faced financial hardships."},"2010s":{"title":"2010s","description":"Earned Wage Access services gained popularity, with more providers entering the market, offering different models and fee structures."},"early2000s":{"title":"EARLY 2000s","description":"The Earned Wage Access concept emerged to help employees avoid predatory payday loans and improve financial wellbeing."},"today":{"title":"TODAY","description":"Earned Wage Access has become a mainstream financial benefit, with many employers offering it to attract and retain employees."}},"alt_timeline":"People walking","alt_office_women":"Office women","alt_women":"Women standing","alt_app":"Rain app running on a phone"},"partner":{"title":"Partner with the right provider.","button":"Get Started"},"expansions":{"collapse_all":"Collapse All","expand_all":"Expand All"}},"partner-with-us":{"overview":{"title":"Power-up your product suite with Rain Instant Pay.","subtitle":"See how partnering with us can boost your competitive advantage while bringing measurable value to your clients.","image-alt":"Power-up your product"},"form":{"title":"Fill out the form below and one of our certified associates will reach out to you with a personalized demo."},"marquee":{"title":"Partners delivering \nearned wage access responsibly"},"metadata":{"title":"Partner with Us | Rain Instant Pay","description":"Discover how partnering with us can enhance your product suite. Schedule a personalized demo of our trusted solution."}},"time":{"it-is-time":{"title":"It’s time.","main-text":"Your influence on employees doesn’t clock out when they do. Take this opportunity to help them fully embrace life’s fleeting moments. When you provide early access to wages, you’re reducing distractions by supporting financial stability. It’s not just another benefit—it’s proof you understand what matters to your workforce.","secondary-text":"Learn how our trusted Earned Wage Access program builds lasting commitment.","button-text":"Get Started"},"reviews":{"1":{"quote":"I get paid biweekly and this app helps make ends meet between pay periods. I no longer have to borrow money from anyone but myself."},"2":{"quote":"This app has saved me too many times!! Words cannot explain how much this has made a difference in my life!!!!"},"3":{"quote":"I couldn’t be any more happier about this app being released. It’s a relief having access to your paycheck before a scheduled deposit."},"4":{"quote":" Very helpful tool to have access to your money days in advance. I’d recommend it to all friends, family, and coworkers. I truly love the app."},"5":{"quote":"A very handy thing to have. It really helps when you’re in a jam. So happy our company has this for us."},"6":{"quote":"Easily accessible, allows me and my children to have everything we need before pay day. Definitely not only convenient but a huge game changer."}},"quotes":{"icon_alt":"A quotation mark icon","list":{"1":{"author":"Kendal Bryant, VP of Operations at","content":"“The startup with Rain was one of the most hands off, efficient, simple and positive implementations.”","company":"Cascadia Global Security"},"2":{"author":"Lauren Austin, Employee Relations Manager at","content":"“We’ve seen an uptick in our retention rates, and our employees are happier, which is priceless.”","company":"Brumit Restaurant Group"},"3":{"author":"Danny Jenkins, Director of HRIS at","content":"“Rain has been a fantastic partner through this entire implementation.”","company":"University of Tennessee Medical Center"}}},"the-value-of-ewa":{"title":"Rain Instant Pay","video-explainer-alt":"Rain explainer video","subtitle":"The value of earned wage access","left-section-title":"Employers","left-section-description":"Rain’s EWA program generates goodwill among employees while enhancing retention, attendance, and recruitment for your business.","right-section-title":"Employees","right-section-description":"Our app gives employees access to their earned wages early, assisting on the journey to a more comfortable financial future.","action-1":"Get Started"},"callout":{"1":"No cost to implement","2":"Employer-integrated","3":"Seamless integration with payroll","4":"In-house client support & 24/7 user care","5":"Launch in 45 days or less","6":"Minimal maintenance"},"rain-for-a-reason":{"title":"Rain for a Reason","author":"Alex Bradford, Co-Founder and CEO","description-1":"Two-week pay cycles no longer match reality. People want the same flexibility with their earnings that they have in every other aspect of their lives—instant access, seamless transactions, and control over finances. The fact is: on-demand pay reduces stress and better aligns with how people live and spend today.","description-2":"Rain Instant Pay helps employers bridge this gap. It’s designed to be low-effort for you and high-impact for employees. Because they deserve financial peace of mind, and you deserve a simple way to provide it.","image-description":"{position}: A core memory made after a work shift.","image-position-mobile":"Above","image-position-desktop":"Left","image-alt":"Image of a core memory made after a work shift.","button-text":"Learn More"},"empower-your-workforce":{"overview":{"title":"Empower your workforce with Rain Instant Pay.","subtitle":"See why hundreds of companies partner with us to deliver financial wellness to their employees.","image-alt":"Rain Instant Pay - Mobile App"},"form":{"title":"Fill out the form below and one of our certified associates will reach out to you with a personalized demo."}},"marquee":{"title":"Companies delivering \nearned wage access responsibly"},"metadata":{"title":"Earned Wage Access","description":"Show your employees you understand what matters. 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The amount available is based on your accrued, unpaid wages."},"how_does_rain_work":{"title":"How does Rain work?","content":{"setup":"McLeod Health and Rain work together to ensure that your pay information is transmitted through a secure connection. Your wage balance (based on pay rate and the hours you have worked) will be populated daily and made available to you in the app. Depending on setup, an allowed percentage may be in place to help you maintain financial balance.","transfers":"Transfers can be made to a personal bank account or debit card. You can choose to receive funds immediately for a small fee or in 1-3 days via ACH transfer for free. The amount that you withdraw will be deducted from your next paycheck. It will appear on your pay stub as a line item so there’s never any confusion."}},"how_to_sign_up":{"title":"How do I sign up?","content":"Getting started is fast and easy! Head over to the Apple App Store or Google Play Store and download Rain Instant Pay. Launch the app and click on \"Create Account.\" From there, follow the messaging prompts and you’ll be on your way."},"new_bank_account":{"title":"Do I have to open any new bank accounts?","content":"You are not required to apply for or open a new account in order to access your funds."},"direct_deposit":{"title":"Will my direct deposit change?","content":"Rain will not interfere with your direct deposit."},"is_rain_secure":{"title":"Is the Rain App secure?","content":"Rain takes security seriously and has important safeguards in place to protect your account. These include one-time passwords (via phone or email) for account access and in-app verification for accessing sensitive information. We also employ additional protections when changing any sensitive data. These features work together to keep your account secure and reduce the risk of fraud."},"scheduled_paychecks":{"title":"Will I still receive my scheduled paychecks?","content":"Yes! McLeod Health allows you to withdraw a portion of your earned wages per pay period. This limit is a common safeguard to ensure you still receive a substantial paycheck on payday."}},"carousel":{"title":"Financial Wellness Corner","description":"Learn smart money moves and practical tips for building a stronger financial future."},"sign_up":"Sign Up"}},"children":["$","$Ld",null,{"parallelRouterKey":"children","segmentPath":["children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$Le",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":{"fontFamily":"system-ui,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif,\"Apple Color Emoji\",\"Segoe UI Emoji\"","height":"100vh","textAlign":"center","display":"flex","flexDirection":"column","alignItems":"center","justifyContent":"center"},"children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":{"display":"inline-block","margin":"0 20px 0 0","padding":"0 23px 0 0","fontSize":24,"fontWeight":500,"verticalAlign":"top","lineHeight":"49px"},"children":"404"}],["$","div",null,{"style":{"display":"inline-block"},"children":["$","h2",null,{"style":{"fontSize":14,"fontWeight":400,"lineHeight":"49px","margin":0},"children":"This page could not be found."}]}]]}]}]],"notFoundStyles":[]}]}]