EWA your employees can rely on
Not all Earned Wage Access is created equal. When evaluating EWA providers, who controls payroll matters. This webpage attempts to explore how Rain and Stream’s various models impact risk, user experience, and dependency on the product.
100% Payroll adjustments
24/7 U.S.-based customer support
97% employer retention
<60 seconds from onboarding to first transaction
No SSN required. Zero security breaches
How Rain and Stream actually compare
Rain
Stream
A benefit your whole workforce can use
Stay in control of payroll.
With Stream, employers hand over control of payroll. Employees' direct deposits are rerouted to shadow Stream accounts before reaching their own account. If Stream has an outage, your employees don't get paid.
With Rain, your payroll team stays in control. Rain submits a simple deduction file into your existing payroll workflow. Your employees are always paid on time, by you.
Transparent user experience.
Employees get paid by Stream, not their employer. After their EWA deduction, the amount they receive doesn't match their paystub, which can be confusing. This can cause an influx of questions and frustrations directed at their employer’s HR teams.
With Rain, your employees are always paid by you. The deposit matches the paystub with a single, clear line item showing what was deducted and why.
Built for the U.S., proven at scale.
Since Stream is operating as a UK-based subsidiary, they must adapt a centralized international model to navigate the high-scrutiny US market as their secondary priority.
Rain was built natively for US regulatory granularity, ensuring seamless compliance across federal (CFPB) and disparate state-level mandates for multi-state employers.
“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.”
How Goodwill Dallas improved retention and employee financial wellness with Rain’s earned wage access solution.
Goodwill Dallas strives to empower individuals in its community by providing them with the tools and resources they need to reach their full potential. For over 100 years, the organization has been dedicated to helping people achieve economic independence through job training programs, education services and support for those facing barriers to employment.
Goodwill Dallas wanted to support its employees by offering Earned Wage Access (EWA), and after careful consideration, the organization chose Rain for its responsible approach and alignment with its mission.
They switched to Rain:
51%
of employees have Rain accounts
26%
lower turnover rate of Rain users vs. non-users
5+
more hours worked per month from employees that use Rain
“Rain has opened a lot of doors for people that are in need. It has been a blessing for so many of our employees for many reasons. Being able to access Rain for them is life-changing.”
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.
