The Better EWA Model
DailyPay’s legacy model creates confusion, support tickets, and payroll risks. Rain takes a modern approach that keeps you in control and gives your employees full transparency.
Superior model. Stay in control over your payroll process.
Full pay-stub transparency, that doesn’t overload HR with support tickets.
Higher user satisfaction across employers and employees.
How Rain and DailyPay Actually Compare
Rain
DailyPay
The EWA Model Makes or Breaks the Experience
DailyPay Reroutes Payroll and Creates Confusion
The last thing payroll teams want is confusion from employees as it relates to their pay.
DailyPay redirects your employees’ paychecks through shadow accounts they control.
They pay themselves first, then send what’s left to your employees. This adds risk, noise, and confusion.
Rain Let's You Maintain Complete Control Over Payroll
You run payroll normally with deductions, including wages accessed early via Rain. The deduction is just one extra line on the pay slip.
No rerouted pay. No shadow accounts. No support tickets about missing money.
“I would definitely recommend this app to anyone who lives paycheck to paycheck. As someone who is constantly waiting on my paycheck to hit to be able to take care of the most simple life tasks such as eating, rain comes in handy when I just simply don't have the money. Its a true life saver.”
Why a 4,000+ FTE restaurant chain switched to Rain
When On The Border used DailyPay, they had to deal with a pay delay during a federal holiday. Employees didn’t get paid. DailyPay didn’t respond. HR couldn’t help. The support burden fell on the company.
They switched to Rain.
57%
of employees used Rain in the first weeks
54%
of users cash out at least once a month
“Implementation was really easy, especially for our busy restaurant industry. One of the easiest we’ve gone through.”
Employers prefer Rain
Minimal data sharing
Rain only uses 6 core data fields:
First Name, Last Name, Unique Employee ID, Wage Rate, Wage Type, Email or Cell phone
Works with your existing systems
Rain integrates with ADP, Workday, UKG, Paylocity, SAP and more. No rebuilds or workarounds.
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Payroll deduction, not a payroll reroute
No shadow accounts, no payroll takeover. Just a single deduction.
No black-out periods
Funds remain available to employees as they are earned throughout a pay period until payroll is processed
Full pay stub transparency
Employees see exactly what they accessed, right on their pay stub. No surprise, no confusion.
Dedicated implementation and US-based support
Get live help from a US-based team. Response times under 60 seconds, 24/7.
Make Earned Wage Access Work the Way it Should
Rain is the only EWA provider built around payroll simplicity, not vendor control. You keep visibility. Your employees get clarity. Everyone gets paid on time.
Get a clean, transparent, and compliant experience.
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.