EWA your employees can rely in
Not all Earned Wage Access is created equal. When evaluating EWA providers, what matters most is whether the core product is reliably, secure, and a positive user experience for your employees.
Modern technology platform. 99.99% uptime, 100% adjustment file accuracy
24/7 U.S.-based support, with sub-30 second response times
Zero data breaches. Ever.
How Rain and Payactiv actually compare
Rain
Payactiv
The EWA provider you choose makes or breaks the experience
Modern, Scalable Technology Built for Today's Workforce.
Payactiv's platform was built in 2012 and has since been technologically outpaced, creating cascading failures across their entire service, from their inability to deliver accurate and timely payroll deductions to employers, to serious security concerns.
Rain was built with modern architecture and significant engineering investment. The result: 100% accurate payroll adjustments, 99.99% uptime, and employee onboarding to first transaction in under 60 seconds.
Support that’s Always There When Your Employees Need it.
Error-prone service paired with offshore support creates frustrated employees who escalate complaints to their employers, driving dissatisfaction and churn.
Rain takes employee experience seriously, which is why we have 97% client retention. Rain offers 24/7 US-based support with sub-30 second response time. That's not just better for them- it's better for your HR team, your managers, and your bottom line.
Your Employees Trusted You With Their Data. Who Are You Trusting With It?
When you offer an EWA benefit, you're trusting a vendor with sensitive employee data. That trust needs to be earned and protected. A 2025 PayActiv data breach exposed the sensitive information of 176,000+ employees.
Rain was designed from day one to collect only what is absolutely necessary. 6 data fields to onboard an employee. No Social Security number. No date of birth. No unnecessary PII ingestion. All sensitive data is encrypted in transit and at rest using bank-grade encryption protocols. Rain's proprietary data ingestion system is built and maintained entirely by our in-house US-based engineering team.
“Life does not always line up perfectly with a paycheck schedule, and this app makes it possible to access the money I have already earned without waiting until payday.”
Why a 2,200-employee healthcare network switched from Payactiv to Rain
With 2,200+ employees, Brickyard Healthcare aimed to provide their workforce access to their earned wages; however, they faced substantial issues with their former EWA provider, Payactiv. Payactiv’s failure to supply reliable timekeeping data left Brickyard uninformed about employee work hours. This data gap resulted in frequent employee overdrawing, prompting Payactiv to impose varying withdrawal limits. Additionally, Payactiv’s consistently poor responsiveness and customer service caused additional frustrations. After a year of using Payactiv, Brickyard Healthcare was ready to switch EWA providers.
They switched to Rain.
60%
of employees have Rain accounts
47%
lower turnover rate of Rain users vs. non-users
12+
more hours worked per month from employees that use Rain
"We've seen the measurable value of Rain already, compared to the full year we used Payactiv."
97%
100
71
0
Make earned wage access work the way it should
Reliable technology. Exceptional support. Unmatched security.
FAQs
No. With Rain, you stay fully in control. Following each pay cycle, Rain delivers EWA adjustments that import directly into your payroll system. You run payroll normally with wages, taxes, and deductions - including wages accessed early. Rain deduction code is of the lowest priority, after taxes, 401k, and other withholdings. You then reimburse Rain for the total deducted amounts.
We don’t hold funds, reroute pay, or change employee deposit accounts.
Most employers are up and running in less than 45 days. We support API integration or File exchange protocols with all major HCM, Payroll and Timekeeping providers.
No. Employees can use their existing bank accounts. We never require them to sign up for a new card or move their direct deposit to access their money.
Rain charges employees a small flat fee for instant transfers (or offers free next-day ACH). There are no hidden fees, tipping models, or account traps. Employees only pay if and when they use the service.
Nothing. Rain’s accessed wages are non-recourse. If an employee leaves before repayment, neither you nor the employee is on the hook. There’s no debt collection, and no liability for your company.
