14:["$","$L15",null,{"locale":"en","now":"$D2025-07-02T13:18:07.713Z","timeZone":"UTC","messages":{"404":{"metadata":{"title":"404","description":"Explore Rain's Earned Wage Access solution or contact our support team for assistance."},"title":"404","message":"Uh-oh! This page is currently adrift.","back_home":"Back to Home","unicorn":"Unicorn float"},"app-tour":{"pagination":"{current} of {total}","back":"Back","next":"Next","start_over":"Start Over","image_alt":{"balance":"Rain App screenshot showing the employee balance","cashout":"Rain App screenshot showing the cash out page and options for when the employee would like to receive the withdrawal","cashout_2":"Rain App screenshot showing the cash out page and the option to receive the money in 1-3 business day selected","rewards":"Rain App screenshot showing the rewards page","success_withdraw":"Rain App screenshot showing the successful withdraw page","tools":"Rain App screenshot showing the useful tools available on the app related to financial coaches, expenses, taxes and money management","withdraw":"Rain App screenshot showing the withdrawal page and multiple amount options","withdraw_2":"Rain App screenshot showing the withdrawal page and $100 being withdrawn"},"steps":{"welcome":{"about_rain":"Rain Instant Pay is an employer-integrated benefit.\nThat means your company must be partnered with us in order for you to use the app.","pointing_alt":"Illustration of a woman holding a phone and pointing up","subtitle":"Our app gets you paid quickly and securely when you need it most. No bells or whistles—just peace of mind.","start":{"desktop":"Start the Tour","mobile":"Tap to Tour"},"title":"On-Demand Pay\nMade Simple"},"one":{"about":"Your available earned wages are calculated in near real-time.\n\nIt's the amount set by your employer to ensure you receive a positive paycheck on payday.","title":"Track your earnings."},"two":{"title":"Initiate a transfer.","about":"The Cash out button starts a new and secure transaction."},"three":{"title":"Select an amount.","about":"Choose from a fast cash option or enter a custom amount of your choice."},"four":{"title":"Let's customize today.","about":"Enter the amount of funds you would like to transfer."},"five":{"title":"Choose a transfer method.","about":"Instantly to a personal debit card of choice for a small fee or..."},"six":{"title":"Choose a transfer method.","about":"1-3 business days to an existing bank account for FREE."},"seven":{"title":"Confirm your selection.","about":"Carefully review the summary of your transaction.\n\nAny service fees will be clearly displayed here. (We don’t believe in surprise charges.) "},"eight":{"title":"You've got cash!","about":"Your transfer has been processed and funds are on their way."},"nine":{"title":"Check your transaction history.","about":"Tap on Balance to view recent transfers and balance updates."},"ten":{"title":"Discover rewards.","about":"Tap on Rewards to find available bonuses or special offers."},"eleven":{"title":"Explore financial wellness tools.","about":"Tap on Tools for access to financial features designed to help you reach your goals."},"twelve":{"desktop":{"title":"Need help? We're here.","about":"Remember, our care team is always available to you via chat."},"mobile":{"title":"All set for success!","start_over":"Start over","close":"Close Window","footer":"It's all rainbows from here."}}}},"book-a-demo":{"overview":{"title":"Your Rain Journey Starts Here","subtitle-01":"We provide payday empowerment to employees while improving retention and recruitment for employers.","subtitle-02":"Rain operates with full transparency, seamless employer integration, and industry-leading support that earned us a +71 NPS score. It’s why our partners and app users trust our Earned Wage Access platform.","image-alt":"Rain Instant Pay - App/Portal/Card"},"form":{"title":"Tell us your role and what brings you here, and we'll connect you with the right team."},"marquee":{"title":"Companies delivering \nearned wage access responsibly"},"metadata":{"title":"Book a Demo","description":"Discover how we make implementing Earned Wage Access effortless. Schedule a personalized demo of our trusted solution."}},"built-on-workday":{"title":"We're Officially Built on Workday","partner-alt":"Partner","innovation-partner-alt":"Innovation Partner","built-on-workday-app-alt":"Built on Workday App","description":"Rain is the first and only EWA provider embedded on Workday, bringing on-demand pay directly into the platform at no cost and within minutes. This native integration eliminates complex implementations and operational burden while enabling employees to access pay through a familiar interface—no new apps, logins, or vendors required. It’s that simple.

Ready to transform your workplace?","cta":"Activate Rain on Workday"},"case-studies":{"metadata":{"title":"Case Studies","description":"Rain transforms payroll and employee financial wellness across industries. Explore our success stories of measurable business impact."},"case_studies":"Case Studies","details":{"download_pdf":"Download PDF","industry":"Industry","employees_quantity":"# of Employees","us_headquarters":"U.S. Headquarters","share":"Share this case study:","more_cases":"More Case Studies"},"introduction":{"alt_growth":"Illustration of a chart with increasing numbers","subtitle":"Rain is helping employers energize their workforce, modernize payroll, and achieve competitive edge. Hear from some of our valued clients—from small businesses to industry giants.","title":"Case Studies"},"implement":{"get_started":"Get Started","title":"Implement on-demand pay with confidence."},"resources":"Resources"},"employees-mcleod-health":{"metadata":{"title":"Get Paid Daily","description":"McLeod Health cares about your financial wellbeing. Access your earned wages when you need them with the Rain App—now available to you."},"payday_is_now_any_day":{"title":"Payday is now any day.","description":"McLeod Health has partnered with Rain so you can access your earned wages any time, for any reason.","get_started":"Get Started","tour_app":"Tour the App","qr_code_alt":"QR Code to download Rain app","apple_store_alt":"Apple App Store","play_store_alt":"Google Play Store","app_screens_alt":"Rain app screens showing various features","how_it_works":{"title":"How it works","download_the_app_and_sign_up":{"title":"Download the app and sign up.","description":"Launch the app and sign up by verifying basic information and linking us to an existing

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With Rain, you can access a portion of your earned wages for free within 1-3 business days or instantly for a small fee.","hear_about_us":"We're proud to offer this benefit as part of McLeod Health's commitment to your wellbeing, on and off the clock.","get_started":"Get Started","video_alt":"Rain video"},"faq":{"title":"FAQ","can_anyone_use":{"title":"Can anyone use the Rain App?","content":"As a McLeod Health employee, you're automatically eligible for the app, whether you're an hourly or salaried worker."},"what_are_benefits":{"title":"What are the benefits of Rain?","content":"Rain Instant Pay allows you to cash out a portion of your earned wages ahead of your scheduled paycheck. It can provide a safety net for unexpected or emergency expenses, reduce the need for high-interest credit cards, and help you save for the future. The amount available is based on your accrued, unpaid wages."},"how_does_rain_work":{"title":"How does Rain work?","content":{"setup":"McLeod Health and Rain work together to ensure that your pay information is transmitted through a secure connection. Your wage balance (based on pay rate and the hours you have worked) will be populated daily and made available to you in the app. Depending on setup, an allowed percentage may be in place to help you maintain financial balance.","transfers":"Transfers can be made to a personal bank account or debit card. You can choose to receive funds immediately for a small fee or in 1-3 days via ACH transfer for free. The amount that you withdraw will be deducted from your next paycheck. It will appear on your pay stub as a line item so there’s never any confusion."}},"how_to_sign_up":{"title":"How do I sign up?","content":"Getting started is fast and easy! Head over to the Apple App Store or Google Play Store and download Rain Instant Pay. Launch the app and click on \"Create Account.\" From there, follow the messaging prompts and you’ll be on your way."},"new_bank_account":{"title":"Do I have to open any new bank accounts?","content":"You are not required to apply for or open a new account in order to access your funds."},"direct_deposit":{"title":"Will my direct deposit change?","content":"Rain will not interfere with your direct deposit."},"is_rain_secure":{"title":"Is the Rain App secure?","content":"Rain takes security seriously and has important safeguards in place to protect your account. These include one-time passwords (via phone or email) for account access and in-app verification for accessing sensitive information. We also employ additional protections when changing any sensitive data. These features work together to keep your account secure and reduce the risk of fraud."},"scheduled_paychecks":{"title":"Will I still receive my scheduled paychecks?","content":"Yes! McLeod Health allows you to withdraw a portion of your earned wages per pay period. This limit is a common safeguard to ensure you still receive a substantial paycheck on payday."}},"carousel":{"title":"Financial Wellness Corner","description":"Learn smart money moves and practical tips for building a stronger financial future."},"sign_up":"Sign Up"},"faq-card":{"title":"Rain Visa® Debit Card FAQ","questions":{"general":{"title":"General Questions","demand_deposit_account":{"question":"What is a Demand Deposit Account (DDA)?","answer":"A DDA is a bank account where funds can be deposited and withdrawn at any time."},"debit_card":{"question":"What is a debit card?","answer":"A debit card is a physical or virtual card that allows you to access funds in your DDA for purchases, ATM withdrawals, and other transactions."},"difference_debit_credit":{"question":"What is the difference between a debit card and a credit card?","answer":"A debit card withdraws funds directly from your bank account for purchases, while a credit card allows you to borrow funds up to a limit and repay them later, often with interest."},"access_agreements":{"question":"How do I access the Agreements from when I signed up for my Rain Bank Account?","answer":"You can access the Deposit Account Terms of Service at rainapp.com/terms/tos-card and the Deposit Account E-Sign Agreement at rainapp.com/terms/e-sign-card."},"forget_pin":{"question":"What should I do if I forget my PIN?","answer":"You can reset your PIN by logging into the Rain app and navigating to the 'Forgot PIN' section of the 'Cards' tile or by calling our card support at (833) 480-0566."},"wrong_pin":{"question":"What happens if I enter the wrong PIN multiple times?","answer":"Entering the wrong PIN repeatedly may lock your debit card for security. If your card is locked due to too many incorrect PIN entries, contact our card support at (833) 480-0566 for assistance."},"difference_available_balance_deposit":{"question":"What is the difference between 'Available Balance' and 'On Deposit'?","answer":"Available Balance' is the balance as a result of all transactions, including those pending. 'On Deposit' reflects the balance as a result of only posted transactions, excluding those that are pending."},"debit_card_lost":{"question":"What should I do if my debit card is lost or stolen?","answer":"Immediately log into the Rain app and lock your card, then contact our card support at card@rainapp.com or call (833) 480-0566 for assistance."},"damaged_debit_card":{"question":"How do I report a damaged debit card?","answer":"If your card is damaged and no longer usable, contact our card support at card@rainapp.com or call (833) 480-0566 for assistance."},"multiple_debit_cards":{"question":"Can I have multiple debit cards for the same Rain Bank Account?","answer":"At this time, you can only have one Rain Visa® Debit Card associated with your Rain Bank Account."}},"getting_started":{"title":"Getting Started","application_denied":{"question":"My application was denied, can I still open a Rain Bank Account?","answer":"If your application was denied, we will not be able to provide you a Demand Deposit Account and you will not receive a debit card. You will receive an email with more details about the denial."},"card_arrival":{"question":"How long does it take for my card to arrive?","answer":"Once your application is complete, your card typically arrives within seven (7) business days at the shipping address provided during sign up."},"activate_card":{"question":"How do I activate my debit card?","answer":"You can activate your card by logging into the Rain app and navigating to the 'Cards' tile or calling our card support at (833) 480-0566. Make sure you have the card on hand before activating."},"direct_deposit":{"question":"How do I set up Direct Deposit?","answer":"To set up direct deposit, go to the 'Account Details' section of the 'Cards' tile in the Rain app. Locate your Account Number and Routing Number, then provide these details to your HR department or enter directly in your employer's payroll provider system. Once you've updated your direct deposit details, on your next paycheck you should see these funds deposited into your Rain Bank Account."},"add_funds":{"question":"How do I add funds to my Rain Bank Account?","answer":"To add funds, log into the external account you want to transfer money from and add your DDA account details to initiate the transfer. You can find these details in the 'Account Details' section of the 'Cards' tile in the Rain app."}},"transactions":{"title":"Transactions","fees":{"question":"Are there fees associated with using my debit card?","answer":"Fees may apply, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details.

Some common fees include:

- Out-of-network domestic ATM withdrawal: $3.50 per withdrawal

- Foreign transaction: 3.00% of transaction amount"},"limit_daily":{"question":"Is there a limit on daily debit card transactions?","answer":"Limits may apply, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details.

Some common limits include:

- ATM withdrawals: $1,000 per day

- Point of Sale (POS) card debits: $5,000 per day

- ACH debits: $1,500 per day"},"online_purchases":{"question":"Can I use my debit card for online purchases?","answer":"Yes, you can use your card for online transactions. Make sure your card is activated before use."},"international_use":{"question":"Can I use my debit card internationally?","answer":"Yes, you can use your outside of the United States, review our Deposit Account Terms of Service (rainapp.com/terms/tos-card) for details. A 3.00% currency conversion and foreign transaction fee may apply."},"add_funds":{"question":"How do I dispute an unauthorized transaction?","answer":"To dispute an unauthorized transaction, contact us at disputes@rainapp.com or call (833) 480-0566 to begin the dispute process."}}},"rain_is_not_bank":"Rain is not a Bank. Rain Bank Account is a demand deposit account established by, and the Rain Debit Card is issued by, Pathward®, N.A., Member FDIC. pursuant to a license by Visa U.S.A. Inc, and can be used everywhere Visa debit cards are accepted."},"how-it-works":{"metadata":{"title":"How It Works","description":"Rain simplifies Earned Wage Access through our proven payroll adjustment model. Experience seamless implementation and ongoing support at every phase."},"alts":{"cloud-loading":"An illustration of a blue cloud with a loading symbol","line":"A line separator","code":"An illustration of a screen full of bits of data","rain-app":"Illustration of Rain's EWA mobile app","money":"Flying money bills illustration","woman-working":"Illustration of a woman working","delivery":"Illustration of a delivery mailbox"},"marquee":{"title":"Seamless integration with all systems"},"implementation":{"title":"Streamlined Implementation","details":"Rain has an in-house Implementation Professional Services Organization (PSO) that can deploy the Rain App in as little as 45 days, allowing your employees to benefit from financial flexibility without delay.\n\nOur Implementation Team was awarded a perfect NPS score of +100, reflecting consistency in delivering exceptional experiences through deep expertise, meticulous project management, streamlined processes, and quality hypercare.","learn-more":"Learn More"},"ewa-model":{"get-started":"Get Started","subtitle":"Our intelligent payroll adjustment model makes the entire Earned Wage Access experience simple, secure, and efficient.","title":"Rain's Acclaimed EWA Model","slide":{"imported-data":{"title":"Earned wage data is imported.","description":"Rain seamlessly integrates with Human Capital Management (HCM) and Time & Attendance (T&A) platforms, allowing for near real-time calculation of earned wages without requiring any changes to existing payroll processes."},"rain-app":{"title":"Wages are accessed via the Rain App.","description":"Employees can transfer up to 50% of gross earnings from their current pay period balance to a bank account for free or instantly to any card for a small fee. Rain provides the funding and ensures positive take-home pay on payday."},"accessed-wages":{"title":"Accessed wages are deducted and Rain is repaid.","description":"Following each pay cycle, Rain delivers EWA adjustments that import directly into your payroll system. Run payroll normally with wages, taxes, and deductions (including wages accessed early). Then reimburse Rain for the total deducted amounts."}}},"real-people":{"title":"Supported by Real People","description":"You'll be supported by a dedicated Customer Success Manager who'll coordinate with our in-house experts across functions to drive results.","support":{"customer-success-operation-specialists":"Customer Success

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Engineers"}},"onboarding":{"alts":{"ellipse":"Illustration of a half ellipse shape","rain-app":"Image of three smartphones showcasing the Rain mobile app"},"app-tour":"Tour the App","title":"Onboarding Phases","description":"We'll collaborate on custom communication strategies and adoption campaign materials to set your employees up for success.","steps":{"prepare":{"title":"Prepare","subtitle":"1-2 weeks prior to launch","description":"The prepare stage ensures corporate manager and employee readiness."},"aware":{"title":"Aware","subtitle":"First 30 days of launch","description":"The aware stage builds and reinforces awareness of the program."},"share":{"title":"Share","subtitle":"Ongoing","description":"The share stage keeps Rain top-of-mind to nurture engagement."}}}},"nps-modal":{"title":"What is NPS?","description":"NPS (Net Promotor Score) is the gold standard customer experience metric developed by Bain and Company. It’s used by millions of businesses to measure customer satisfaction and loyalty. Scores can range from -100 to +100.","improvement":{"number":"-100 - -1","description":"Needs Improvement"},"good":{"number":"0 - 29","description":"Good"},"great":{"number":"30 - 69","description":"Great"},"excellent":{"number":"70 - 100","description":"Excellent"}},"partner-with-us":{"overview":{"title":"Power-up your product suite with Rain Instant Pay.","subtitle":"See how partnering with us can boost your competitive advantage while bringing measurable value to your clients.","image-alt":"Power-up your product"},"form":{"title":"Fill out the form below and one of our certified associates will reach out to you with a personalized demo."},"marquee":{"title":"Partners delivering \nearned wage access responsibly"},"metadata":{"title":"Partner with Us | Rain Instant Pay","description":"Discover how partnering with us can enhance your product suite. Schedule a personalized demo of our trusted solution."}},"provider-guide":{"metadata":{"title":"How to Buy Earned Wage Access","description":"Navigate Earned Wage Access confidently with our comprehensive guide. Compare solutions, understand implementation, and choose the right provider for your needs."},"download-pdf-section":{"title":"A Master Class in Earned Wage Access","description":"This decision-maker's guide delivers expert insights into Earned Wage Access (EWA) solutions. Learn how to evaluate core benefits and risks as you navigate your provider vetting journey.","button-text":"Download PDF"},"evolution":{"title":"The Evolution of Earned Wage Access","milestones":{"2019":{"title":"2019","description":"Rain launched its Instant Pay app with a vision to be the easiest-to-implement provider of EWA services, focusing on social impact, financial stability, and simplicity. This vision resonated with top brands in the U.S., leading to widespread adoption."},"2020":{"title":"2020","description":"The COVID-19 pandemic accelerated the adoption of Earned Wage Access as many employees faced financial hardships."},"2010s":{"title":"2010s","description":"Earned Wage Access services gained popularity, with more providers entering the market, offering different models and fee structures."},"early2000s":{"title":"EARLY 2000s","description":"The Earned Wage Access concept emerged to help employees avoid predatory payday loans and improve financial wellbeing."},"today":{"title":"TODAY","description":"Earned Wage Access has become a mainstream financial benefit, with many employers offering it to attract and retain employees."}},"alt_timeline":"People walking","alt_office_women":"Office women","alt_women":"Women standing","alt_app":"Rain app running on a phone"},"partner":{"title":"Partner with the right provider.","button":"Get Started"},"expansions":{"collapse_all":"Collapse All","expand_all":"Expand All"}},"about":{"metadata":{"title":"About Us","description":"Rain empowers financial freedom through responsible Earned Wage Access. 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See how our dedication to them has earned industry recognition.","title":"Awards & Accolades"},"awards_list":{"g2Spring2025":{"title":"G2 Spring 2025","description":"Rain achieved 6 awards in the Financial Wellness and Earned Wage Access categories.","grid_leader":"Grid Leader Award","high_performer":"High Performer Award","easiest_to_use":"Easiest to Use Award","easiest_admin":"Easiest Admin Award","best_meets_requirements":"Best Meets Requirements Award"},"g2Winter2025":{"title":"G2 Winter 2025","description":"Rain achieved 8 awards in the Financial Wellness and Earned Wage Access categories.","best_result":"Best Result Award","high_performer":"High Performer Award","easy_to_use":"Easy to Use Award","easiest_admin":"Easiest Admin Award","best_meets_requirements":"Best Meets Requirements Award"},"g2Fall2024":{"title":"G2 Fall 2024","description":"Rain achieved 2 awards in the Earned Wage Access category.","high_performer_2024":"High Performer 2024 Award","easiest_to_use_2024":"Easiest to Use 2024 Award"},"g2Summer2024":{"title":"G2 Summer 2024","description":"Rain achieved 2 awards in the Earned Wage Access category.","high_performer_summer_2024":"High Performer Summer 2024 Award","easiest_to_use_summer_2024":"Easiest to Use Summer 2024 Award"},"hrTechAwards2024":{"title":"HR Tech Awards 2024","description":"Rain was named the “Best Innovative or Emerging Tech Solution” in the “Total Rewards and Employee Wellbeing” category.","hr_tech_awards":"HR Tech Awards"}}},"careers":{"metadata":{"title":"Careers","description":"Join Rain's mission to empower financial freedom through innovation and responsibility. Explore careers where your talent drives meaningful change."},"careers":{"title":"Careers at Rain","subtitle":"Welcome to Rain, where we're reinvigorating the workforce by delivering responsible on-demand access to pay. We’re excited to continue setting the standard in our industry with the brightest of talent. Whether you're a numbers whiz, tech enthusiast, or driven by social impact, there's a spot for you here.","about":"As an equal opportunity employer, Rain is committed to diversity, equity, and inclusion. Our people bring our products and organization to life, and every unique perspective makes us better. If you need accommodation in the recruiting process due to a disability, please email hr-us@rain.us or let your recruiter know.","search_jobs":"Search Jobs"},"values":{"1":{"title":"Unity","body":"We embody 'Tamo Junto,' fostering an inclusive environment where everyone belongs. We promote mentorship, knowledge sharing, and team cohesion, driving collective growth and success."},"2":{"title":"Innovation","body":"We cultivate curiosity, continuously seeking novel solutions to complex problems. Our innovative spirit encourages creative thinking, experimentation, and the readiness to challenge the status quo."},"3":{"title":"Accountability","body":"We entrust ownership, empowering team members to drive results through thoughtful decisions. We set high standards, take initiative, and manage time effectively to deliver excellence."},"4":{"title":"Empathy","body":"We prioritize understanding our customers' needs, challenges, and aspirations. Through active listening and anticipation, we nurture experiences that improve lives and build lasting impact."},"5":{"title":"Leadership","body":"We thrive on agility, swiftly adapting to our ever-changing industry landscape. Our forward-thinking approach enables us to set trends, seize opportunities, and stay ahead in shaping the future of pay."},"our_values":"Our values"},"benefits":{"1":{"title":"Remote or Hybrid Workforce","body":"Work from home, at a cafe, or in our historic (and pup-friendly) Nashville office. We believe in flexible work arrangements that promote productivity."},"2":{"title":"Flexible Time Off","body":"Take the well-deserved time you need to rest and recharge. We offer flexible time off, trusting our team to balance responsibilities with life outside of work."},"3":{"title":"Full Benefits","body":"We provide a comprehensive benefits package that includes medical, dental, and vision coverage to support your overall health."},"4":{"title":"Monthly Stipend","body":"Enjoy a monthly stipend to use towards your home-office, office-office, or professional development. Sometimes it’s the little things that count."},"5":{"title":"401(k)","body":"At Rain, we're invested in your future. Our 401(k) plan supports your long-term financial goals with diverse investment options."},"6":{"title":"Personal Wellness Programs","body":"Wellness is a priority at Rain. We partner with programs like Headspace and Wellhub to help you maintain mental and physical balance."},"title":"Benefits & Perks"}},"compliance":{"metadata":{"title":"Compliance","description":"Experience Earned Wage Access with confidence through Rain's rigorous compliance standards. Stay informed with expert guidance on evolving regulations."},"download-pdf-section":{"title":"Compliance","description":"Rain combines industry-leading technology with rigorous compliance standards, staying ahead of the evolving EWA regulatory landscape. Bookmark for updates on EWA regulation developments.","button-text":"Download PDF"},"expansions":{"collapse_all":"Collapse All","expand_all":"Expand All"}},"employees":{"metadata":{"title":"Get Paid Daily","description":"Access your earned wages when you need them with the Rain App. Experience financial flexibility without waiting for payday."},"clock_in_cash_out":{"title":"Clock In, Cash Out","description":"If your employer offers Rain as a benefit, you can access your earned wages ahead of payday. 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Rain's easy-to-use app has become his go-to for bridging the gaps between scheduled paychecks.","hear_about_us":"Hear about us from your employer?","get_started":"Get Started","video_alt":"Meet James video"},"support":{"title":"Need app support?","description":"We're here 24/7 to answer your questions and help you navigate your account.","email":{"label":"Email","value":"care@rain.us"},"phone":{"label":"Phone","value":"1-424-369-RAIN"},"chat":{"label":"In-app chat","value":"Launch and tap on the chat icon."},"help_desk":{"label":"Help desk","value":"Browse topics or send a message."},"support_man_alt":"Support representative"},"faq":{"title":"FAQ","can_anyone_use":{"title":"Can anyone use the Rain App?","content":"Rain Instant Pay is an employer-integrated benefit. That means your company must be partnered with us in order for you to access the app."},"what_are_benefits":{"title":"What are the benefits of Rain?","content":"Rain Instant Pay allows you to cash out a portion of your earned wages ahead of your scheduled paycheck. It can provide a safety net for unexpected or emergency expenses, reduce the need for high-interest credit cards, and help you save for the future. The amount available is based on your accrued, unpaid wages."},"how_does_rain_work":{"title":"How does Rain work?","content":{"setup":"Once your employer has implemented Rain, your pay information is transmitted through a secure connection. Your wage balance (based on pay rate and the hours you have worked) will be populated daily and made available to you in the app. Depending on your employer setup, an allowed percentage may be in place to help you maintain financial balance.","transfers":"Transfers can be made to a personal bank account or debit card. You can choose to receive funds immediately for a small fee or in 1-3 days via ACH transfer for free. The amount that you withdraw will be deducted from your next paycheck. It will appear on your pay stub as a line item so there's never any confusion."}},"how_to_sign_up":{"title":"How do I sign up?","content":"Getting started is fast and easy! After your employer announces your new benefit, head over to the Apple App Store or Google Play Store and download Rain Instant Pay. Launch the app and click on \"Create Account.\" From there, follow the messaging prompts and you'll be on your way."},"new_bank_account":{"title":"Do I have to open any new bank accounts?","content":"You are not required to apply for or open a new account in order to access your funds."},"direct_deposit":{"title":"Will my direct deposit change?","content":"Rain will not interfere with your direct deposit."},"is_rain_secure":{"title":"Is the Rain App secure?","content":"Rain takes security seriously and has important safeguards in place to protect your account. These include one-time passwords (via phone or email) for account access and in-app verification for accessing sensitive information. We also employ additional protections when changing any sensitive data. These features work together to keep your account secure and reduce the risk of fraud."},"get_company_to_offer":{"title":"How can I refer Rain to my employer?","content":"The best way to show interest in our Earned Wage Access benefit is to share our contact form with your payroll department. Don't forget to mention that Rain benefits both employees and the company by providing financial flexibility and job satisfaction."}}},"events":{"metadata":{"title":"Events","description":"Connect with Rain at industry events nationwide. Meet our team and learn how we're transforming Earned Wage Access."},"introduction":{"title":"Events","about":"From conferences to trade shows, we're sharing the power of Earned Wage Access. Join us at the following events.","alt_airplane":"Airplane"}},"ewa":{"metadata":{"title":"Earned Wage Access Explained","description":"Get the facts about Earned Wage Access. Discover how this benefit differs from loans and advances while maintaining your existing payroll processes."},"title":"What is Earned Wage Access?","subtitle":"Earned Wage Access (EWA) is a financial benefit that gives hourly and salaried employees access to their accrued wages ahead of their traditionally scheduled payday. It’s offered as a voluntary perk by companies who are heavily invested in the wellbeing and satisfaction of their hard-working teams. As a more flexible, more desired pay disbursement solution, EWA is reshaping how the workforce engages with their earned income. A study by Ceridian revealed that 83% of U.S. workers between the ages of 18-44 believe they should have access to their earned wages at the end of each shift. \n \n Here, we break down common myths about EWA, also known as On-Demand Pay (ODP) or Instant Pay.","researcher":"Education research","wrong":"Wrong assumption","correct":"Correct assumption","myth1":{"title":"Myth #1","myth":"EWA is a payday loan.","wrong":"A payday loan operates as a form of credit. Employees who opt for this type of loan are borrowing money and committing to repay it by their next payday. It’s a loan against their future income that often comes with high interest and fees. It can produce a cycle of debt, causing financial stress and impeding on long-term goals.","correct":"With EWA, employees can access the money they've already earned. It removes the need for borrowing or loans. This provides increased financial flexibility without incurring any associated financial risks."},"myth2":{"title":"Myth #2","myth":"EWA is a cash or pay advance.","wrong":"A cash or pay advance gives employees access to anticipated but not yet earned wages. It involves receiving a portion of the salary in advance from the employer. However, there's a risk, as employees must commit to working to repay the advance. If the employee doesn't complete the agreed-upon work, they must repay the advance to the employer from their own funds, potentially causing financial strain.","correct":"In contrast, EWA provides access to wages that employees have already earned. Regardless of circumstances, the employee is financially entitled to the funds received without needing to repay their employer."},"myth3":{"title":"Myth #3","myth":"EWA disrupts paycheck distribution.","wrong":"EWA is thought to disrupt traditional payroll systems, which operate on fixed schedules with full paychecks distributed at set intervals. This misconception stems from concerns about changing established payroll processes.","correct":"In reality, EWA works alongside payroll systems, addressing the rigidity that can leave employees vulnerable to cash flow issues between pay periods. EWA enhances paycheck distribution by providing flexibility without compromising payroll integrity. It empowers employees financially while maintaining traditional payroll structures."}},"faq":{"title":"FAQ","what_is_rain":{"title":"What is Rain?","content":"Rain is a market leader in Earned Wage Access (EWA) and the fastest growing provider in the category. Rain allows employees to access their wages prior to payday through the Rain App at no cost to the employer."},"what_makes_rain_different":{"title":"What sets Rain apart?","content":{"responsibility":{"title":"Responsibility & Transparency","content":"Rain requires the least amount of data out of all US providers. Employers have the ability to set guardrails on employee transactions, preventing unsustainable habits and fees."},"program":{"title":"Program Reliability","content":"Rain’s payroll adjustment model allows employers to maintain complete control over payroll and data with minimal operational involvement."},"support":{"title":"Best-In-Class Support","content":"Rain requires the least amount of data out of all US providers. Employers have the ability to set guardrails on employee transactions, preventing unsustainable habits and fees."}}},"what_dos_rain_cost":{"title":"What does Rain cost?","content":{"impact":{"content":"There’s no impact on cash flow for employers when implementing Rain’s EWA program. We also provide complimentary white-glove support—from technical implementation to onboarding to post-launch—ensuring a positive experience every step of the way."},"download":{"content":"Employees can download the Rain App for free and access their funds in two ways:","items":{"ach":"A free ACH transfer to an existing bank account (1-3 days)","fee":"A small fee for an immediate push to a personal debit card"}}}},"how_easy_implement":{"title":"How easy is it to implement Rain?","content":{"onboarding":{"content":"Rain offers a seamless onboarding experience that reflects the quality of our teams, processes, and expertise."},"go_live":{"title":"Average go-live is less than 45 days.","content":"Rain is partnered and integrated with major payroll and timekeeping providers, ensuring the timeliest of launches."},"nps":{"title":"Rain has a perfect NPS score of +100 in implementations.","content":"Our team delivers on exceptional support, from technical implementation to launch strategy to hypercare."},"adoption":{"title":"Our average adoption rate is upwards of 25%+.","content":"Rain puts real energy and dedicated resources into making sure employees are fully informed and equipped to use Rain."}}},"benefit_employee":{"title":"How does Rain benefit employees?","content":"Rain empowers employees with greater financial control and peace of mind. By providing on-demand access to earned wages through our user-friendly app, Rain eliminates the need for high-interest credit cards or predatory payday loans when facing unexpected expenses."},"benefit_employer":{"title":"How does Rain benefit employers?","content":"Rain offers a strategic advantage for employers committed to enhancing their workforce's financial wellbeing while gaining a competitive edge. Our metrics demonstrate that organizations using Rain experience increased retention, improved attendance, and boosted hiring results."},"payday_routines":{"title":"Will Rain disrupt existing payday routines?","content":"Rain does not disrupt existing payday routines; instead, it works seamlessly alongside your current payroll processes. Your regular pay periods and payday schedules remain unchanged, with Rain simply offering employees the flexibility to access a portion of their earned wages between paydays."},"operational":{"title":"How much effort does Rain require?","content":"Rain is designed to minimize operational work for employers. Our system integrates seamlessly with your existing platforms, requiring minimal setup and maintenance. With automated data imports, secure wage access, and repayment, Rain operates efficiently in the background, allowing you to focus on core business operations."}},"faq-ewa":{"title":"EWA FAQ","questions":{"general":{"title":"General","what_is_this_benefit":{"question":"What is this benefit?","answer":"We are a third-party app partnering with your employer to offer early access to a portion of your earned wages before payday. This benefit provides financial flexibility to cover unexpected costs or emergencies."},"how_deactivate_account":{"question":"How do I deactivate my account?","answer":"To deactivate your account, first log out of the app and then uninstall it from your device. This action will not affect your regular paychecks or any ongoing financial arrangements. If you also want your data deleted, you'll need to reach out to our user care team."},"how_this_work":{"question":"How does this work?","answer":"We receive work hours and pay rates from employers to calculate and update available earnings once approved. Employees with available balance can choose between instant withdrawals to their debit card (with a fee) or free ACH transfers to their bank account. Funds withdrawn before payroll are adjusted down from the next paycheck, offering financial flexibility with transparent processing."},"hours_pending":{"question":"Why are my hours pending?","answer":"Pending hours may occur if you've self-reported them, requiring employer approval (which isn't available for all users and usually takes up to 24 hours). If you don't self-report, the delay in balance updates is likely due to the time it takes for your employer to send your hours to us, which can range from 4 to 24 hours. We are actively working to improve the speed and accuracy of these balance updates."},"determines_my_ewa":{"question":"What determines my earned wage access amount?","answer":"We provide early access to a portion of your earned wages, not your complete paycheck. The amount visible in the app is a percentage designated by your employer for early withdrawal. For questions about your full paycheck, including adjustments and total earnings, contact your manager or HR department, as we are a separate benefit from your employer's payroll."}},"sign_and_login":{"title":"Signup and Login","existing_account":{"question":"I'm getting an \"existing account\" message in the app. What does this mean, and how do I proceed?","answer":"Seeing an \"existing account\" message during registration could mean you're using the wrong email or phone number, so verify it matches your employer's records. If you previously used this benefit with another employer, you'll need to register with a new, unused email address and phone number for your current job. Providing a fresh email address and phone number to your current employer will create a separate account for your new employment."},"steps_information_not_found":{"question":"What steps should I take if the app says my information cannot be found?","answer":"Accurate contact information, like the email address and phone number provided during hiring, is crucial for verifying your employment with your employer's payroll system. If your email address or phone number is not recognized, double-check the information you initially provided to your employer. Matching these details ensures a smooth verification process and uninterrupted access to our services."},"eligible_to_use_app":{"question":"Am I eligible to use the app?","answer":"Employers often inform new hires about this benefit during onboarding, explaining how to access earned wages early. If you haven't received this information, contact our support team to check if your company is a partner."},"process_benefit_new_employer":{"question":"What is the process for using the benefit after switching to a new employer?","answer":"We serve employees of partnered companies; if your new employer is also a partner, you'll need a new account. Use a unique email address and phone number associated with your new employer to ensure proper integration and separation from previous accounts. We're here to support you through this transition, ensuring continued access to our services with your new workplace."},"process_for_transferring":{"question":"What is the process for transferring my account access to a new device or updating my phone number?","answer":"For a new device, a verification code via text will grant access. If you have a new number, additional verification like the last 4 digits and expiration of your card, last withdrawal amount, and zip code on file may be required. After five failed attempts, contact user care for assistance."}},"balance":{"title":"Balance","balance_update":{"question":"When does my balance update?","answer":"Your available earnings are updated for early access after receiving wage and timekeeping data from your employer. This data transfer can occur as frequently as every few hours, though it may take up to 24 hours after you clock out. If your balance doesn't update after 24 hours, contact user care for assistance."},"update_weekend":{"question":"Will my balance update on the weekend?","answer":"Available earnings are scheduled to update daily, including on weekends, though the process can take up to 24 hours. Some users may notice slight delays in weekend updates due to technical or operational factors, especially around holidays. Rest assured, the system is designed to catch up and reflect all changes accurately."},"isnt_balance_updating":{"question":"Why isn't my balance updating?","answer":"If your earned wages aren’t showing, it may be due to the end of a pay period, which resets your balance and rolls any unwithdrawn funds into your next paycheck. If you’ve worked during the current period but don’t see your updated balance, the app may need more time to process the update. If the issue continues for over 24 hours, contact our user care team via email, phone, or in-app chat for assistance."}},"withdrawals":{"title":"Withdrawals","how_make_withdrawal":{"question":"How do I make a withdrawal?","answer":"A withdrawal can be made by tapping the \"Cash Out\" button on the home screen. Users can choose an instant withdrawal with a fee or a free ACH transfer. ACH transfers generally take 1-2 business days to process."},"withdrawal_limit":{"question":"What is my withdrawal limit?","answer":"Withdrawal eligibility depends on employer guidelines, requiring staying within the allowed withdrawal count and maintaining a set minimum balance. The app displays the remaining withdrawal count under your balance if you're approaching your limit, for easy tracking. This transparency helps users manage their finances within their employer's set limits."},"add_payment_methods":{"question":"How can I add payment methods to my account?","answer":"After account creation, the app guides you to add your debit card or bank account information. While most providers are supported, some may not be compatible, and using an alternative card is suggested if issues arise. The user care team is available to help with any questions or difficulties in linking payment methods."},"withdrawal_fail":{"question":"Why did my withdrawal fail?","answer":"Withdrawal issues can often be resolved by verifying the linked card is in your name, unexpired, and authorized for transactions with our service by your card provider. Ensure your card's billing address matches the address in the application, especially after a recent move. If the issue persists, consider using an alternative card. Our user care team is available to provide further assistance for unresolved transaction problems."},"how_long_ach":{"question":"How long do ACH transfers for depositing funds typically take to process and become available in my account?","answer":"ACH transfers for depositing funds typically take 1-2 business days, excluding weekends and holidays, to allow for bank processing and verification. This reliable method ensures secure transfer of funds between accounts. Understanding this timeline helps users manage their financial expectations for direct deposits."},"determines_limitations":{"question":"What determines the limitations on my withdrawal amounts and how often I can withdraw funds through the app?","answer":"Limitations on withdrawal amounts and frequency are determined solely by your employer's policies. We cannot alter these employer-set parameters regarding accessible wages or the number of withdrawals per pay period. The app operates within the guidelines established by your employer for financial access."}}}},"features":{"metadata":{"title":"Why Rain","description":"Rain delivers transparent Earned Wage Access experiences without complexities. No cash flow impact, seamless integration, and dedicated support for both employers and employees."},"introduction":{"title":"Rain Instant Pay","video-explainer-alt":"Rain explainer video","subtitle":"The value of earned wage access","left-section-title":"Employers","left-section-description":"Rain's EWA program generates goodwill among employees while enhancing retention, attendance, and recruitment for your business.","right-section-title":"Employees","right-section-description":"Our app gives employees access to their earned wages early, assisting on the journey to a more comfortable financial future.","action-1":"Get Started","action-2":"How It Works"},"integrity":{"title":"Designed with Integrity","rain_experience":"Rain delivers a transparent employee experience that continuously evolves to meet real-world demands.","real_world_demands":{"one":{"title":"free transfer option","description":"Employees have two options when cashing out: ACH for free or instantly to an existing card for a small fee."},"two":{"title":"payday reliability","description":"Paychecks are not compromised because our payroll adjustment model keeps employers in control of disbursement."},"three":{"title":"pay stub transparency","description":"Total advanced wages per pay cycle are clearly displayed on a single line item on pay stubs.\nThat means zero confusion."},"four":{"title":"transaction guardrails","description":"Employers are able to set withdraw limits on employee transactions to help prevent unsustainable habits and fees."},"five":{"title":"preserved banking habits","description":"Employees can transfer wages to existing bank accounts, with onboarding to first transaction completed in under 60 seconds."},"six":{"title":"24/7 in-house user care","description":"Our US-based team is available via in-app chat, email, text or phone with an average response time of \n< 1 minute."},"seven":{"title":"always-on availability","description":"100% approval with no KYC required and 99.99% balance availability uptime means no blackout periods."},"eight":{"title":"lightweight data collection","description":"We're the most data minimalist in the industry, only collecting 6 basic fields. Never highly sensitive information like SSN or DOB."},"nine":{"title":"privacy & security","description":"Rain has strict security measures in place to prevent sharing of information and fraudulent use\nof accounts."}}},"efficiency":{"title":"Built for Efficiency","rain_simplifies":"Rain simplifies adding a financial wellness program to your benefits library without burdening your HR and Payroll teams.","benefits":{"one":{"title":"no impact on cash flow","description":"Implementation is free of cost and Rain provides the funding, allowing you to stay budget neutral while empowering staff."},"two":{"title":"control over payroll","description":"Our program doesn't require you to surrender payroll control, eliminating complicated layers and reputational risks."},"three":{"title":"in-house client support","description":"A team of experts will loop with you across your entire EWA journey—from implementation to onboarding and beyond."},"four":{"title":"streamlined implementation","description":"Our modernized process led by our certified technical implementation experts will have your new benefit up and running in < 45 days."},"five":{"title":"compatible with all systems","description":"Rain's solution is fuss-free and seamlessly integrates with your existing payroll and timekeeping systems, expediting launch."},"six":{"title":"limited employee requests","description":"Our user care team is available 24/7 answering and fully resolving employee inquiries, putting your teams at ease."},"seven":{"title":"minimal administrative lift","description":"Operational efforts from your teams are narrowed to a single payroll deduction ingestion at the end of each pay period."},"eight":{"title":"employer-integrated","description":"Rain's model aligns better with financial regulations and offers employees more transparency and lower costs."},"nine":{"title":"self-serve client portal","description":"Set withdraw and transactional limits, analyze program impact, make adjustments to employee status, and more as needed."}}},"delivered":{"title":"Delivered \nwith Care","description":"Providing personalized customer support is in our DNA. Our industry-leading NPS® scores are proof that our clients trust us and are proud champions of our product.","cards":{"one":{"title":"Customer Service","number":"71","description":"Rain's customer success team ensures every client receives a tailored experience. Regular check-ins, engagement campaigns, and detailed analytics are just some of the ways we collaborate with employers."},"two":{"title":"Implementation","number":"100","description":"Rain's stellar implementation team has earned and maintained a perfect score, reflecting the dedication, expertise, efficient processes, and the seamless onboarding experience it enables."}},"hint":{"title":"What is NPS?","description":"NPS (Net Promotor Score) is the gold standard customer experience metric developed by Bain and Company. It's used by millions of businesses to measure customer satisfaction and loyalty. Scores can range from -100 to +100."}},"compliance":{"title":"Raising the Compliance Bar","measures":"As a relatively new benefit in a rapidly evolving industry, it's important for employers evaluating potential EWA solutions to consider, at least in part, the regulatory compliance measures that the providers apply to their own businesses.","confidence":"At the end of the day, you should have confidence in the EWA provider you choose to entrust with your employee's financial wellness.","learn_more":"Learn More"},"marquee":{"title":"Partners delivering \nearned wage access responsibly"},"announcements":{"title":"In Good Company","description":"Rain partners with technology industry leaders to amplify the cost saving benefits of our Earned Wage Access solution.","one":{"title":"Rain Named Workday Services Partner","description":"Rain has announced a signed partnership agreement with Workday, Inc. (NASDAQ: WDAY), a leading provider of solutions to help organizations.","tag":"Announcement","alt":"Workday logo"},"two":{"title":"Marqeta and Rain Announce Partnership","description":"Marqeta and Rain's partnership showcases increasing demand from workers to simplify the pay cycle and offer streamlined solutions for supporting.","tag":"Announcement","alt":"Marqeta logo"},"three":{"title":"Rain and Unifocus Partner to Offer Complete Mobile Solution","description":"Rain has partnered with UniFocus to offer a complete mobile solution for workers and employers alike in hospitality, restaurants, retail, and healthcare.","tag":"Announcement","alt":"Unifocus logo"}}},"footer":{"about":"Rain Technologies is a financial technology company not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC. The FDIC provides deposit insurance to protect your money in the event of a bank failure. Learn more.","awards":{"title":"Awards","alt_g2spring2025_grid_leader":"G2 Spring 2025 Grid Leader","alt_g2spring2025_high_performer":"G2 Spring 2025 High Performer","alt_g2spring2025_easiest_to_use":"G2 Spring 2025 Easiest to Use","alt_g2spring2025_easiest_admin":"G2 Spring 2025 Easiest Admin","alt_g2spring2025_best_meets_requirements":"G2 Spring 2025 Best Meets Requirements"},"book_a_demo":"Book a Demo","copyright":"© {year} Rain Technologies Inc.","company":{"title":"Company","about":"About","press":"Press","events":"Events","careers":"Careers"},"employees":{"title":"Employees","help_desk":"Help Desk","app_login":"App Login"},"rain_logo":"Rain Logo","security":{"title":"Security","alt_soc2":"SOC 2 Type 2 security award","alt_aicpa":"AICPA SOC security award","alt_iso":"ISO 27001 certified"},"terms":{"privacy_notice":"Privacy Notice","privacy_notice_link":"/terms/privacy-notice","terms_of_service":"Terms of Service","terms_of_service_link":"/terms/tos","disclosures":"Disclosures","disclosures_link":"/terms/disclosures"},"work_with_us":{"title":"Work with us","as_client":"As a client","as_partner":"As a partner"}},"helpDesk":{"metadata":{"title":"Help Desk | Rain Instant Pay","description":"Get expert support from Rain's dedicated care team. Access quick answers or connect with our specialists for personalized assistance."},"title":"How can we help?","subtitle":"Employees like you asked, we answered. Here are our most popular topics.","support_man_alt":"Support Man","general_questions":{"title":"General Questions","can_anyone_use":{"title":"Can anyone use the Rain App?","content":"Rain Instant Pay is an employer-integrated benefit. That means your company must be partnered with us in order for you to access the app."},"what_are_benefits":{"title":"What are the benefits of Rain?","content":"Rain Instant Pay allows you to cash out a portion of your earned wages ahead of your scheduled paycheck. It can provide a safety net for unexpected or emergency expenses, reduce the need for high-interest credit cards, and help you save for the future. The amount available is based on your accrued, unpaid wages."},"how_does_rain_work":{"title":"How does Rain work?","content":"Once your employer has implemented Rain, your pay information is transmitted through a secure connection. Your wage balance (based on pay rate and the hours you have worked) will be populated daily and made available to you in the app. Depending on your employer setup, an allowed percentage may be in place to help you maintain financial balance.

Transfers can be made to a personal bank account or debit card. You can choose to receive funds immediately for a small fee or in 1-3 days via ACH transfer for free. The amount that you withdraw will be deducted from your next paycheck. It will appear on your pay stub as a line item so there's never any confusion."},"how_to_sign_up":{"title":"How do I sign up?","content":"Getting started is fast and easy! After your employer announces your new benefit, head over to the Apple App Store or Google Play Store and download Rain Instant Pay. Launch the app and click on \"Create Account.\" From there, follow the messaging prompts and you'll be on your way."},"new_bank_account":{"title":"Do I have to open any new bank accounts?","content":"You are not required to apply for or open a new account in order to access your funds."},"direct_deposit":{"title":"Will my direct deposit change?","content":"Rain will not interfere with your direct deposit."},"is_rain_secure":{"title":"Is the Rain App secure?","content":"Rain takes security seriously and has important safeguards in place to protect your account. These include one-time passwords (via phone or email) for account access and in-app verification for accessing sensitive information. We also employ additional protections when changing any sensitive data. These features work together to keep your account secure and reduce the risk of fraud."},"get_company_to_offer":{"title":"How can I refer Rain to my employer?","content":"The best way to show interest in our Earned Wage Access benefit is to share our contact form with your payroll department. Don't forget to mention that Rain benefits both employees and the company by providing financial flexibility and job satisfaction."}},"account_questions":{"title":"Account Questions","how_update_profile":{"title":"How do I update my profile?","content":"Sign in and click on 'More' in the menu. From there, you'll be able to make changes to your card, bank, and address. To update your login email, phone number, or name, you must contact our support team. This is to keep your account secure and to prevent any service disruption."},"how_much_can_transfer":{"title":"How much can I transfer?","content":"The amount you can transfer depends on how your account is set up by your employer. In most cases, it's 50% of your earned wages. This limit is a common safeguard to ensure you still receive a substantial paycheck on payday. Our user care team can help you verify your specific limit."},"how_many_transactions":{"title":"How many transactions can I make?","content":"The number of transactions you can make depends on how your account is set up by your employer. Our user care team can help you verify your specific limit."},"can_increase_transaction_limit":{"title":"Can I increase my transaction limit?","content":"Unfortunately, your transaction limit is set up by your employer during benefit activation. This is to ensure responsible use of the benefit and employees maintain financial stability. However, our user care team can help you verify your specific limit."},"when_balance_reset":{"title":"When will my balance reset?","content":"Your balance resets when your company processes payroll for the previous pay period. Your balance will start to accumulate again once you've worked a shift during the new pay period. Any funds you don't withdraw each period will be part of your next paycheck. They don't disappear; they're simply paid to you through the regular payroll process."}},"everything_else":{"title":"Everything Else","subtitle":"Our care team is happy to help. Connect with us 24/7 via:","email":{"title":"Email","content":"care@rain.us"},"phone":{"title":"Phone","content":"1-424-369-RAIN"},"in_app_chat":{"title":"In-App Chat","content":"Look for the chat icon in your app."},"or":"or","send_us_message":{"title":"Send us a message","content":"Tell us more and we'll be in touch."},"form":{"first_name":{"placeholder":"First Name*","errorMessage":"First name is required"},"last_name":{"placeholder":"Last Name*","errorMessage":"Last name is required"},"email":{"placeholder":"Email* (your Rain App login)","errorMessage":"Please enter a valid email address"},"select_topic":{"placeholder":"Select a Topic","errorMessage":"Please select a topic"},"description":{"placeholder":"Share any information that you think would help us resolve your inquiry. Please do not include any personal information such as SSN or DOB.","errorMessage":"Description is required and must be less than 200 characters"},"submit_button":"Submit","error_message":"Something went wrong. Please try again.","success_message":{"title":"Message sent!","content":"We’ve received your request. Be on the lookout for an email from one of our care specialists!"}}}},"home":{"metadata":{"title":"Earned Wage Access | Rain Instant Pay","description":"Rain streamlines Earned Wage Access with industry-leading standards. Experience an effortless on-demand pay solution designed to bring employers and employees together in financial wellness."},"ewa_summary":"Empower your workforce with instant access to their pay. Implementing our trusted Earned Wage Access solution increases retention, improves attendance, and attracts talent—without complexities or system overhauls.","discover":"Discover Our Superior Model","welcome":"Life doesn’t wait.

Why should payday?","industry_loop_alt":"Industry Loop video","woman_airplane_alt":"Illustration of a woman flyings on a paper airplane","marquee":{"title":"Companies delivering \nearned wage access responsibly"},"callout":{"1":"No cost to implement","2":"Employer-integrated","3":"Seamless integration with payroll","4":"In-house client support & 24/7 user care","5":"Launch in 45 days or less","6":"Minimal maintenance"},"cost_savings":{"title":"Impact Beyond Cost Savings","description":"Cultivating a more empowered and engaged environment starts with alleviating financial stress. In a recent survey, employees with access to earned wages revealed more satisfaction at work.","see_outcomes":"See Outcomes","data_collected":"*Data collected from a survey of employees after using Rain for a year","circular_progress_bar_1":"of employees felt more satisfied at work","circular_progress_bar_2":"of employees felt less stressed and more productive at work","circular_progress_bar_3":"of employees felt more likely to refer friends to their place of work"},"program_values":{"title":"Our program values are clear as day.","explore_features":"Explore Features","designed_with_integrity":{"title":"Designed with Integrity","description":"Rain provides an Earned Wage Access solution that’s responsible and transparent. We do right by our end users with employer-controlled transaction guardrails, minimalist data collection, pay stub transparency, and financial wellness tools."},"built_for_efficiency":{"title":"Built for Efficiency","description":"Our payroll adjustment model keeps you in control and integrates seamlessly with the systems you already have in place. That means swift implementation, minimal operational involvement, and maximum reliability."},"delivered_with_care":{"title":"Delivered with Care","description":"With industry-leading NPS scores, we're no strangers to providing best-in-class client support. Plus, we're here 24/7 for employees. Our dedicated in-house team delivers quality experiences at every touchpoint for every EWA journey.","hint":{"title":"What is NPS?","description":"NPS (Net Promotor Score) is the gold standard customer experience metric developed by Bain and Company. It’s used by millions of businesses to measure customer satisfaction and loyalty. Scores can range from -100 to +100."}}},"solution":{"title":"A Smart, Simple Solution","description":"Our model allows you to maintain control over payroll while eliminating operational complexities and reputational risks.","learn_more":"Learn More","earned_wage_data":{"title":"Earned wage data is imported.","description":"Rain integrates with HCM and T&A platforms to calculate earned wages in near real-time.","image_alt":"Illustration of a cloud loading data"},"wages_are_accessed":{"title":"Wages are accessed via the Rain App.","description":"Rain provides the funding. Employees transfer wages for free via ACH or instantly for a small fee.","image_alt":"Illustration of phone with Rain app"},"accessed_wages":{"title":"Accessed wages are deducted and Rain is repaid.","description":"Rain integrates with existing payroll systems, seamlessly facilitating deductions.","image_alt":"Illustration of women working"}},"articles":{"title":"Latest Articles & Insights","description":"Stay up-to-date with success stories, press releases, and industry developments.","one":{"title":"The Downward Spiral of Predatory Lending","description":"Rain's Earned Wage Access platform aims to eliminate dangerous predatory lending.","tag":"Blog","alt":"Women holding money"},"two":{"title":"Goodwill Dallas: Empowering Financial Wellness With Rain","description":"After careful consideration, Goodwill Dallas chose Rain for Earned Wage Access for its responsible approach and alignment with its mission.","tag":"Case Study","alt":"Goodwill Dallas people working"},"three":{"title":"Rain Named Workday Services Partner","description":"Rain has announced a signed partnership agreement with Workday, Inc. (NASDAQ: WDAY), a leading provider of solutions to help organizations...","tag":"Announcement","alt":"Workday logo"}}},"metadata":{"title":{"template":"%s | Rain Instant Pay","default":"Earned Wage Access | Rain Instant Pay"},"description":"Rain streamlines Earned Wage Access with industry-leading standards. 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