Rain
Rain: A connected earned wage access platform with employer controls and financial wellness tools. Ranked #5 of 16 in Earned Wage Access Software by our editors (8.7/10); pricing: Pricing on request; best for employers wanting real-time earnings and controls.
At a glance
- Editor score8.7 / 10
- PricingPricing on request
- Best forEmployers wanting real-time earnings and controls
- Employee mobile appYes
- Facts checked20 Sep 2026
Where it wins
- Near-real-time earnings calculations from HCM and time data
- Payroll deduction files and integrations with major payroll systems
- Access limits, analytics, alerts, coaching, and education in one platform
Where it doesn't
- Pricing uses a contact-sales model
- Instant transfers carry a fee
- Employer integration is central to the platform model
Our verdict on Rain
Rain is an employer-integrated earned wage access and financial health platform for hourly and frontline workforces. Employees can view accrued wages in a mobile app and transfer a portion before payday through bank accounts or debit cards. Rain connects with payroll, HCM, and time-and-attendance systems, calculates available earnings, and supports payroll deduction file generation for accessed wages. Its employer controls and employee-facing financial tools make it suited to organizations seeking both pay access and broader financial support.
Integration coverage is a central strength. Rain works with Workday, Microsoft Teams, Paylocity, SAP, ADP, and UKG, while its published capabilities include payroll-system integration and near-real-time calculations from HCM and time-and-attendance data. The platform can generate payroll deduction files, which supports the administrative side of earned wage access. Employers can configure access limits, and employees can choose free ACH transfers or instant transfers for a fee. Rain uses a contact-sales pricing model, with the employer-integrated model described as zero cost to employers; employee transfer fees vary by delivery method and circumstances.
The product extends beyond early wage access with spending analytics, balance alerts, financial coaching, education, auto-balance transactions, and tax filing. That breadth will appeal to employers that want pay access paired with financial wellness features rather than a narrowly focused transfer tool. Bank-account and debit-card delivery, plus web, iOS, and Android availability, support multiple access paths. Employers should choose Rain when real-time earnings data, payroll workflows, configurable limits, and financial health features are priorities. Organizations seeking a standalone employee payment tool without payroll or HCM integration may prefer a narrower alternative.
Your product? Our editors can test Rain in depth and publish a review, labelled as paid · from $149/mo →
Rain pricing
Rain fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Employee mobile app | Yes |
| Instant wage transfer | Yes |
| Payroll integration | Yes |
| Timesheet integration | Yes |
| Earnings data source | Realtime |
| Transfer methods | Bank |
| Eligibility rules | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | SOC 2, ISO 27001 |
| Support | Email, Live chat, Phone, Docs · 24/7 |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Integrations | 100+ integrations: Workday, Microsoft Teams, Paylocity, SAP, ADP, UKG See all → |
| Pricing | Pricing on request |
| Website | rainapp.com |
| Facts checked | 20 Sep 2026 |
Rain integrations
Rain lists 100+ integrations on its own site — the 6 named here are the ones its pages call out.
- Workday
- Microsoft Teams
- Paylocity
- SAP
- ADP
- UKG
Alternatives to Rain
- PayactivA broad EWA platform combining wage access, payroll integrations, and financial tools.9.4
- DailyPayA broad earned wage access platform for employers needing payroll integrations and transfer choice.9.2
- TapcheckA free, full-featured EWA platform with broad payroll, timekeeping, and payout support.9.0
Rain vs the competition
- Rain vs Payactiv
- Rain vs DailyPay
- Rain vs Tapcheck
- Rain vs Immediate
- Rain vs Hastee
- Rain vs Instant Financial
Compare Rain with any tool side by side →
Used Rain? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Rain for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Rain is listed in our Earned Wage Access Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/rain/"><img src="https://www.itechguides.com/best/badge/rain.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update