Seamless Integration for Earned Wage Access (EWA)

Product Overview

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.

We currently serve 3.5M+ 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.

Rain proudly partners with 1,200+ employers across all industries, from midmarket to enterprise, including T-Mobile, McDonald's, Pizza Hut, Marriott, Brickyard Health, and Goodwill.

Key Outcomes

Increased Retention

Employees who use Rain have 22 days longer tenure on average, a 49% increase after just 6 months.

Improved Attendance

Employees who use Rain work 17 more hours per month on average versus those who aren't offered the benefit.

Boosted Hiring Results

Employers working with Rain experience improved hiring results and get up to 2x more applications on average.

Advanced Integration

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.

1. Earned wage data is imported from Paylocity.
   1. 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.
   2. 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.
2. Wages are accessed via the Rain App.
   1. Rain provides the funding. Employees transfer to existing bank accounts free via ACH or instantly for a small fee.
3. Accessed wages are deducted and Rain is repaid.
   1. Following 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 wages accessed early. The employer then repays Rain.

Visit Paylocity’s Integrations Marketplace for more.

Next Steps

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:

1. Request a Demo
   ‍Schedule a demo to see how Rain can benefit your employees and how our solution integrates natively with Workday.
2. Implementation
   Our dedicated team handles setup with minimal effort from you. With approved API integrations, we'll have you up and running in days.
3. Employee Onboarding
   We provide customized campaign strategy and materials to help you effectively introduce Rain to your workforce.