Rain Review
Rain is employer-integrated earned wage access with payroll deduction: employees move up to 50% of current-period earnings, free to a bank account or for a small fee to a card.
- Company size
- Small businesses, enterprises
- Pricing model
- Free
- Integrations
- 100
- Deployment
- Cloud
Best for
- Employers on Workday, ADP, UKG or Paylocity that want payroll to keep the deduction
- Employers that want to collect as little employee data as possible
- Workforces that need 24/7 support in English and Spanish
Not ideal for
- Buyers who need a written employer price list before a demo
- Employers that want employees to reach most of their pay before payday
How we evaluated Rain
This review rests on 14 facts checked against Rain’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.
Our verdict
Rain is employer-integrated earned wage access with a deduction model: it connects to HCM and time systems, lets employees move up to 50% of current-period earnings, and recovers the amount through payroll. Bank transfers are free and card transfers carry a small fee, it lists 100+ pre-built connectors including a native Workday build, and it states SOC 2 Type 2 and ISO/IEC 27001.
Strengths
Minimal data
Needs only six data fields, with no Social Security number.
Evidence: Key features: Up to 50% of current-period earnings, set by the employer, Free transfers to a bank account, Only six data fields, with no SSN, Balance Protection tops up a bank balance below $100, 24/7 U.S.-based support in English and Spanish
Stated security standards
States SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001 certification.
Evidence: SOC 2 Type II: Yes
Employer keeps payroll control
Rain delivers adjustments that import into payroll; the employer runs payroll as usual and reimburses Rain, and each transfer is a pay stub line item.
Evidence: Payroll repayment: Yes
Free bank transfers
Transfers to a bank account in 1-3 days cost the employee nothing.
Evidence: Extra costs: Transfers to any debit card carry a small fee for the employee; the amount is not published, Transfers to a bank account in 1-3 days are free
Weaknesses
Card fee not published
Instant transfers to a card carry a small fee whose amount is not published, and there is no public employer price list.
Evidence: Extra costs: Transfers to any debit card carry a small fee for the employee; the amount is not published, Transfers to a bank account in 1-3 days are free
Payroll does the deduction
The deduction model keeps payroll in control but means payroll imports adjustments and reimburses Rain each cycle.
Evidence: Payroll repayment: Yes
Price at a glance
Starting price per employee
$0/employee/mo
Pricing model
Free
Price transparency
Partly published
Rain cost at 10 to 100 employees
- Published starting price$0/employee/mo
| Employees | Published starting price |
|---|---|
| 10 | $0/mo |
| 25 | $0/mo |
| 50 | $0/mo |
| 100 | $0/mo |
The published starting price only: plan tiers, add-ons and other products are quoted on top.
Quick answers
- How much does Rain cost an employer?
- Rain does not publish an employer price list; its customer stories describe the program as zero cost to the employer.Based on Pricing model: Free
- What do employees pay to use Rain?
- Transfers to a bank account in 1-3 days are free, and instant transfers to a card carry a small fee shown before use.Based on Extra costs: Transfers to any debit card carry a small fee for the employee; the amount is not published, Transfers to a bank account in 1-3 days are free
- How much of their pay can employees access with Rain?
- In most programs 50% of earned wages in the current pay period; the employer sets the percentage and the number of transactions.Based on Key features: Up to 50% of current-period earnings, set by the employer, Free transfers to a bank account, Only six data fields, with no SSN, Balance Protection tops up a bank balance below $100, 24/7 U.S.-based support in English and Spanish
- Which systems does Rain integrate with?
- Rain lists 100+ pre-built connectors, including a native Workday build, ADP, UKG Pro Workforce Management, Paylocity, SAP SuccessFactors and Microsoft Teams.Based on Native integrations: 100
Coverage of core earned wage access capabilities
Each core capability we evaluate in Earned Wage Access, checked against Rain’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
10 verified of 11 core capabilities
Earned Wage Access
- Accrued wage calculation
- Payroll and time integration
- Transfer options
- Fee disclosure
- Payroll repayment
- No-recourse treatment · not verified yet
- Deduction recordkeeping
- Access limits and controls
- Employee mobile app
- Financial wellness tools
- Data use and privacy
Specifications
Product
- Modules
- Earned wage access, Rain Visa Debit Card, Rent assist, Balance Protection, Spending trends, Free tax filing, AI financial health agent
- Mobile apps
- iOS, Android
Support
- Support channels
- Email, phone, chat
Rain integrations
6 integrations we documented, by how they connect. Rain reports 100 native integrations in total.
Native integrations
Rain integration coverage
The 10 apps that earned wage access products document most often, and whether Rain documents each.
2 of the 10 most-connected apps documented by Rain; median of the 6 products compared: 3.5
- ADP · documented by 5 of 6
- Paylocity · documented by 4 of 6
- Paychex · documented by 3 of 6
- Paycor · documented by 3 of 6
- Workday · documented by 3 of 6
- 7shifts · documented by 2 of 6
- BambooHR · documented by 2 of 6
- Greenshades · documented by 2 of 6
- Paycom · documented by 2 of 6
- QuickBooks · documented by 2 of 6
Integrations each vendor documents (native, marketplace, Zapier or API), 6 live earned wage access products. Not documented does not mean not possible.
Where it ranks
- #5 of 5 scoredEarned Wage Access
- #4 of 5 scoredEarned Wage Access for Enterprises
- #4 of 4 scoredEarned Wage Access for Small Business
Rain alternatives
Security and compliance
- SOC 2 Type IIYes
- ISO 27001Yes
Rain: frequently asked questions
How does Rain get repaid?
Rain funds the transfers, sends adjustments that import into payroll, and the employer reimburses Rain after running payroll as usual.
Is Rain SOC 2 compliant?
Rain states that it is certified to SOC 1 Type 2, SOC 2 Type 2 and ISO/IEC 27001.
What data does Rain need from employers?
Six data fields, without Social Security numbers or KYC checks.
Does Rain offer financial wellness tools?
Yes. Budgeting and spending analysis, free tax filing, Balance Protection against overdrafts and an AI financial health agent.
What is Rain used for?
Rain is an earned wage access product built for small businesses and enterprises. Its modules include Earned wage access, Rain Visa Debit Card, Rent assist, Balance Protection, and 3 more.
What are the best alternatives to Rain?
In our earned wage access ranking, the highest-scored products other than Rain are DailyPay, Payactiv, and Tapcheck. Compared side by side, by reason to switch: Rain alternatives.
Which is better, Rain or DailyPay?
It depends on the team. Choose Rain if: you want to share as little employee data as possible: six fields, no SSN. Choose DailyPay if: you want a published instant fee: $3.49 flat. The full comparison: Rain vs DailyPay.
What are the pros and cons of Rain?
Strengths documented on the vendor’s own pages: minimal data, stated security standards, and employer keeps payroll control. It is less suited to buyers who need a written employer price list before a demo and employers that want employees to reach most of their pay before payday.
Does Rain have a mobile app?
Yes. Rain lists mobile apps: iOS, Android.
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