Rain partnership

Bring Financial Health to Organizations Running on Rippling

Rain integrates with Rippling via API for payroll and timekeeping, giving employees on-demand access to their earned wages with no disruption to existing payroll workflows — and implementations that can go live in 45 days or less.

Partnership Overview

Rain integrates with Rippling via API, giving Rippling customers a seamless path to one of the highest-impact financial health benefits available. Following a fast, low-lift implementation, Rain provides employers access to a financial health benefit that leads to employees staying longer, working harder, picking up shifts, and positively impacting their bottom line.

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How It Works with Rippling

‍The Integration

Rain and Rippling share an API integration for payroll and timekeeping data. Once connected, Rain pulls timekeeping and employee data to calculate available earned wages.

‍Frictionless Employee Access

Employees can sign up in >60 seconds, get wage visibility, and access fast, secure transfers via our easy-to-use Rain App. No new bank account required, no changes to direct deposit. 

‍Simple Reconciliation process

At payroll close, Rain delivers simple and clear deduction files, Employers stay in control of payroll, and Employees receive their remaining paycheck directly from their employer, on time, every time. 

‍Enterprise-Grade Security and Support

With Rain, employers get enterprise-level controls with audit-ready compliance, and employees get 24/7 U.S.-based support with an average response time of <30 seconds.

‍ABOUT RAIN 

Rain is the world’s first AI Financial Health Platform, serving 3.5 million employees across 1,200+ employers including McDonald’s, Marriott, and T-Mobile. Rain works in the background to optimize every employee’s financial life to prevent shortfalls and build long-term stability. With over $4 billion in earned wages delivered, Rain drives measurable business outcomes in retention, productivity, and workforce performance.

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Key Outcomes
Hire Faster Get 2x more applicants and higher offer acceptance when you promote Rain as a financial health benefit.
Retain Longer Rain clients see 35% reduction in turnover across hourly and frontline roles.
Zero Cost to Employers Rain is free for employers. Employees access earned wages from free via ACH or for a small instant transfer fee.
No disruption to payroll Seamless integration with existing payroll, no process changes, no change management or new bank accounts required for employees, no additional workload for HR or IT with minimal employee data needed.

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Next Steps

Rain provides complimentary white-glove support 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 with Rippling. 
  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.

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"Rain has been a game-changer for our staff. We've seen a real reduction in turnover and our employees feel more financially secure — and that shows up in how they show up to work."

— HR Leader, YMCA Greater Omaha

Rain + U.S. Bank Focus Card

  • Real-time wage disbursement to the Focus Card with quick access to funds.¹
  • No bank account required for the cardholder.
  • Compliments ACH and instant payments, without replacing payroll systems
  • Supports same-day and off-cycle wage access use cases
  • Scales use cases across new hires, seasonal employees and terminations
  • Backed by U.S. Bank’s prepaid, compliance, and program management expertise
  • Instant, no fee transfers from Rain to the Focus Card

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The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. ©2026 U.S. Bank. Member FDIC. Earned Wage Access services are provided by solely by Rain Technologies. U.S. Bank has not endorsed Rain Technologies or its services and makes no representations or warranties about Rain Technologies or its services.