Rain's Acclaimed EWA Model
Our payroll adjustment model makes the entire Earned Wage Access (EWA) experience simple, easy, and efficient.
Earned wage data is imported.
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.
Wages are accessed via the Rain App.
Employees view their current pay period balance (up to 50% of gross earnings available) and can transfer funds to a bank account or card of their choice—free via ACH or instantly for a small fee. Rain provides the funding, ensuring no $0 paychecks on payday.
Advanced wages are withheld and Rain is repaid.
Following each pay cycle, Rain delivers EWA adjustments that import directly into your Payroll solution. Run payroll normally, with employee wages, taxes, and deductions (including EWA advances) processed as usual. The employer reimburses Rain for the total amount of user advances.
Earned wage data is imported.
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.
Wages are accessed via the Rain App.
Employees view their current pay period balance (up to 50% of gross earnings available) and can transfer funds to a bank account or card of their choice—free via ACH or instantly for a small fee. Rain provides the funding, ensuring no $0 paychecks on payday.
Advanced wages are withheld and Rain is repaid.
Following each pay cycle, Rain delivers EWA adjustments that import directly into your Payroll solution. Run payroll normally, with employee wages, taxes, and deductions (including EWA advances) processed as usual. The employer reimburses Rain for the total amount of user advances.
Seamless integration with all systems
Streamlined Implementation
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. Our 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.
Supported by Real People
You'll be supported by a dedicated Customer Success Manager who'll coordinate with our in-house experts across functions to drive results.
Implementations
Manager
Implementations
Engineer
User Care
Agents
Customer Success Manager
Your CSM will be your main point of contact, leading the charge and collaborating with you every step of the way.
Finance
Specialists
Customer Success
Operation Specialists
Technical Support
Engineers
Onboarding Phases
We'll collaborate on custom communication strategies and adoption campaign materials to set your employees up for success.
Prepare
1-2 weeks prior to launch
The prepare stage ensures corporate manager and employee readiness.
Aware
First 30 days of launch
The aware stage builds and reinforces awareness of the program.
Share
Ongoing
The share stage keeps Rain top-of-mind to nurture engagement.
“Rain does not require more work for me on the payroll side or for our accounting side.”
—Melanie Bostick, Payroll Manager at Hollywood Feed
Work with us
© 2025 Rain Technologies Inc.
Rain is a financial technology company, not a bank. Rain deposit accounts are provided by Evolve Bank & Trust, Member FDIC.