Clock In, Cash Out
If your employer offers Rain as a benefit, you can access your earned wages ahead of payday. Any time, for any reason.
How it works
1
Your employer partners with Rain.
Once the program is set up, you'll receive an announcement through your employer.
2
Download the app and sign up.
Launch the app and sign up by verifying basic information and linking us to an existing
bank account or debit card of your choice.
3
Start using Rain Instant Pay.
Immediately track available earned wages, make transfers, and explore financial wellness tools.
4
Get the remaining wages on your next paycheck.
The exact amount you withdrew during the pay period will appear as a single line deduction on your pay stub.
“Definitely not only convenient but a huge game changer. This company is great!”
—Janna, via Trustpilot
Financial wellness isn't just about money. It's about peace of mind.
Financial Safety Net
Be more equipped to manage the unexpected and emergency expenses life throws at you.
Debt Relief
Reduce the need to rely on high-interest loans, credit cards, and other unsustainable options.
Balance Income & Expenses
Better align your pay with your bills and start eliminating any unnecessary late payment fees.
Financial Learning
Access free in-app tools like overdraft alerts, spending trends, and financial coaching.
Financial Safety Net
Be more equipped to manage the unexpected and emergency expenses life throws at you.
Balance Income & Expenses
Better align your pay with your bills and start eliminating any unnecessary late payment fees.
Debt Relief
Reduce the need to rely on high-interest loans, credit cards, and other unsustainable options.
Financial Learning
Access free in-app tools like overdraft alerts, spending trends, and financial coaching.
Meet James
Having flexible access to earned wages can make a difference on your wellbeing. James shares how Rain Instant Pay has helped him gain financial confidence and control. Rain's easy-to-use app has become his go-to for bridging the gaps between scheduled paychecks.
Hear about us from your employer?
Need app support?
We're here 24/7 to answer your questions and help you navigate your account.
care@rain.us
Phone
1-424-369-RAIN
In-app chat
Launch and tap on the chat icon.
Help desk
Browse topics or send a message.
FAQ
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.
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.
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.
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.
You are not required to apply for or open a new account in order to access your funds.
Rain will not interfere with your direct deposit.
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.
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.
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Rain is a financial technology company, not a bank. Rain deposit accounts are provided by Evolve Bank & Trust, Member FDIC.