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When it rains, it doesn’t have to pour.

In moments of financial stress, Rain helps you weather the storm and build toward financial strength. Starting with on-demand pay and protection from overdraft fees to no-fee debit cards and automated savings plans.

4.8

37K Ratings

4.8

32K Ratings

Trusted by employees at

On-demand pay

Get paid as soon as you complete your shift*.

Skip the traditional 2 week pay cycle and get access to your pay the moment you complete your shift.

Download
1. Watch your balance update daily

Access earned wages instantly — with no debt traps or interest.

2. Link a bank account or a card

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3.  Cash out your earning whenever you need them

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Rainy day fund

Start building protection with a Rainy Day Fund

This isn’t just about getting paid faster — it’s about creating financial confidence. When employees can handle what’s now, they can focus on what’s next.

Set a saving goal to work towards

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Auto-save a portion of each paycheck

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Auto-save with Round-Ups on every purchase

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Spending trends

Get on top of your spending with a budget

This isn’t just about getting paid faster — it’s about creating financial confidence. When employees can handle what’s now, they can focus on what’s next.

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Balance protection

Avoid predatory fees, with Balance Protection.

When your bank balance starts to drop, we step in. Balance Protection moves money from your earned wages to your checking account, keeping you above your comfort zone and helping you avoid overdraft fees.

Rain monitors your bank account

Link a bank for Rain to monitor each day

When you balance falls below $100

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Rain tops up your account to protect you from fees

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Outcomes

Instant access to relief

What you can expect from Rain.

Get paid the moment you need it
Effortlessly stay clear of the red zone
See your spending with total clarity
Guide your spending with a budget
Find peace of mind from banking fees

Get paid when you need it

Rain connects to your HCM and Time & Attendance platforms for near real-time earned wage calculations. No changes to your payroll processes required—Rain simply accesses the data needed to calculate employee balances.

Effortlessly stay clear of the red zone

Through the Rain App, employees can transfer up to 50% of current period earnings to their bank account (free) or any card (small fee). Rain funds all transfers and guarantees positive take-home pay on payday.

See your spending with total clarity

Rain delivers EWA adjustments that import seamlessly into your payroll system. Run payroll as normal with all wages, taxes, and deductions, then reimburse Rain for amounts employees accessed early.

Guide your spending with a budget

Rain delivers EWA adjustments that import seamlessly into your payroll system. Run payroll as normal with all wages, taxes, and deductions, then reimburse Rain for amounts employees accessed early.

Find peace of mind away from banking fees

Rain delivers EWA adjustments that import seamlessly into your payroll system. Run payroll as normal with all wages, taxes, and deductions, then reimburse Rain for amounts employees accessed early.

© 2026 Rain Technologies Inc.

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Rain Technologies Inc. is not a bank. Rain Technologies Inc. is a financial technology company, and provides these disclosures on behalf of itself and its affiliates. Banking services are provided by Pathward, National Association, Member FDIC. Other types of banking services are provided to select customers by Evolve Bank & Trust, Member FDIC.  The FDIC provides deposit insurance to protect your money in the event of a bank failure. Learn more about deposit insurance.

Rain Technologies Inc. is registered with the California DFPI under the CCFPL with registration number 04-CCFPL-2623400-3635550.
Rain Technologies Inc. NMLS ID: 2623400.



Services are provided by Rain Technologies Inc. NMLS# 2623400. This licensed company may be verified through the NMLS Consumer Access website, available at https://www.nmlsconsumeraccess.org.