Clair

Clair

Embedded earned wage access for payroll and workforce platforms

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH. vs Interchange + + $0.3
Features

2 shared

1 unique to Clair · 1 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

4 shared

33 unique to Adyen

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Show full specs
4 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
Clair Clair
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.
Interchange + + $0.3
Settlement
Time to receive funds
Instant
1–3 business days
Founded
2019
2006
Headquarters
New York, United States
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Enterprise
✓
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Payment Methods
Adyen leads (37 vs 4)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Clair is best when you...

Embedded earned wage access for payroll and workforce platforms
Need Low Fees
Not available with Adyen
View Clair

Adyen is best when you...

Platforms & Marketplaces
Need Recurring Payments
Not available with Clair
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania, Southeast Asia
Clair doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between Clair and Adyen?
They share 4 payment methods and 1 region. Adyen adds ACH, Affirm, Afterpay and 30 more that Clair does not list; Adyen also covers Africa, Asia and 5 more; only Clair offers Low Fees; only Adyen offers Recurring Payments.
Which is cheaper, Clair or Adyen?
Clair has published rates from Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Clair and Adyen?
Clair lists 1 region and 4 payment methods; Adyen lists 8 and 37. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Clair and Adyen compare on integration and settlement?
Adyen offers a sandbox, Clair does not list one; Adyen supports webhooks; Clair settles in Instant, Adyen in 1–3 business days.

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