{"id":318,"date":"2023-02-09T09:27:28","date_gmt":"2023-02-09T17:27:28","guid":{"rendered":"https:\/\/embedded.gusto.com\/blog\/?p=318"},"modified":"2025-03-05T11:17:33","modified_gmt":"2025-03-05T19:17:33","slug":"clair-on-demand-pay-via-gusto-embedded-payroll","status":"publish","type":"post","link":"https:\/\/embedded.gusto.com\/blog\/clair-on-demand-pay-via-gusto-embedded-payroll\/","title":{"rendered":"Clair On-Demand Pay via Gusto Embedded Payroll"},"content":{"rendered":"<h2><b>Get more from the payroll API you trust<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">With more employees than ever living paycheck to paycheck, many small businesses see a benefit to giving their team on-demand access to the wages they\u2019ve earned without waiting for payday. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gusto Embedded has partnered with digital banking app Clair so that our partners can enable their customers to offer employees on-demand access to their earnings before payday. Clair offers a host of financial wellness benefits, with the main one being Clair On-Demand Pay. Clair On-Demand Pay is a financial wellness benefit for hourly employees and an alternative to high interest- or fee-based lending options. It is both free and easy for your customers to launch and operates seamlessly with Gusto Embedded Payroll, pulling in payroll data automatically.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-319 aligncenter lazyload\" data-src=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2023\/02\/Screen-Shot-2023-02-09-at-10.19.19-AM-425x252.png\" alt=\"\" width=\"425\" height=\"252\" data-srcset=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2023\/02\/Screen-Shot-2023-02-09-at-10.19.19-AM-425x252.png 425w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2023\/02\/Screen-Shot-2023-02-09-at-10.19.19-AM-1062x630.png 1062w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2023\/02\/Screen-Shot-2023-02-09-at-10.19.19-AM-150x89.png 150w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2023\/02\/Screen-Shot-2023-02-09-at-10.19.19-AM-768x455.png 768w, https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2023\/02\/Screen-Shot-2023-02-09-at-10.19.19-AM.png 1162w\" data-sizes=\"(max-width: 425px) 100vw, 425px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 425px; --smush-placeholder-aspect-ratio: 425\/252;\" \/><\/span><\/p>\n<h2><b>Financial instability and the American worker?<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A recent <\/span><a href=\"https:\/\/clair-docs-production.s3.us-east-1.amazonaws.com\/Clair-research-paper.pdf\"><span style=\"font-weight: 400;\">workforce survey conducted by Clair<\/span><\/a><span style=\"font-weight: 400;\"> found that 83% of hourly workers were living paycheck-to-paycheck with one-third (33%) indicating they struggled to pay their bills and even purchase regular necessities. Nearly two-thirds (66%) of employees said finances were the primary stressor in their life.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Employees Today Want More Flexibility<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In the same Clair workforce survey, participants were emphatic about receiving greater access to their earnings.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">74% of hourly workers said they would be interested in accessing earnings for shifts they\u2019d already worked before payday<br \/>\n<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">70% said they would even choose one job over another if it afforded them access to their earnings on-demand<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, employees offered a financial wellness program are more likely to report being very satisfied with their job, taking on more shifts, and staying longer.*<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Why Clair On-Demand Pay?<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Clair On-Demand Pay is a financial wellness benefit that gives employees access to money they\u2019ve already earned when they want it, through the Clair digital banking app.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Offering on-demand pay is free to employers and employees and results in no changes to current payroll processes or disruptions to cash flow. Businesses process payroll as they normally would and Clair handles the rest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For many employers, Clair On-Demand Pay plays a role in helping businesses attract talent and fill shifts more quickly, which in turn helps create the customer experience employers need to <\/span><a href=\"https:\/\/www.youtube.com\/watch?v=WaBToKpzvso&amp;\"><span style=\"font-weight: 400;\">grow their business<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>How will embedded payroll partners take advantage of Clair On-Demand Pay?<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Clair On-Demand Pay will be available out-of-the-box as a prebuilt Flow or customizable via API. Once integrated, your small business customers will be able to choose to offer Clair On-Demand Pay to their employees; more information on how Clair On-Demand Pay works for an individual employee <\/span><a href=\"https:\/\/getclair.com\/help\/employees\/sections\/63000233290-Clair-On-Demand-Pay\"><span style=\"font-weight: 400;\">can be found here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With unemployment <\/span><a href=\"https:\/\/www.cnbc.com\/2023\/02\/03\/low-unemployment-rate-is-welcome-news-for-biden-ahead-of-state-of-the-union.html#:~:text=The%20Bureau%20of%20Labor%20Statistics,estimate%20and%20December's%20260%2C000%20gain.\"><span style=\"font-weight: 400;\">reaching historic lows<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.deputy.com\/insights\/the_2022_state_of_shift_work_report\"><span style=\"font-weight: 400;\">shift work changing<\/span><\/a><span style=\"font-weight: 400;\"> in profound ways, Clair On-Demand Pay is a valuable benefit your small business customers can offer that can both reduce costs and help with their employees\u2019 financial wellness goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Want to learn more? <\/span><a href=\"https:\/\/gusto.com\/embedded-payroll\"><span style=\"font-weight: 400;\">Contact Gusto Embedded<\/span><\/a><span style=\"font-weight: 400;\"> today!<\/span><\/p>\n<hr \/>\n<p><span style=\"font-weight: 400;\">* <\/span><a href=\"https:\/\/getclair.com\/employer\"><span style=\"font-weight: 400;\">https:\/\/getclair.com\/employer<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.mercer.com\/content\/dam\/mercer\/attachments\/global\/inside-employees-minds\/glb-2017-inside-employees-minds-volume-2.pdf\"><span style=\"font-weight: 400;\">https:\/\/www.mercer.com\/content\/dam\/mercer\/attachments\/global\/inside-employees-minds\/glb-2017-inside-employees-minds-volume-2.pdf<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get more from the payroll API you trust &nbsp; With more employees than ever living paycheck to paycheck, many small&#8230;<\/p>\n","protected":false},"author":11,"featured_media":323,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-updates"],"acf":{"exclude_from_embedded_resources":false,"popularity":0,"essentiality":0},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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