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Payroll · head to head

Clair vs Justworks

Clair logo

Clair

Payroll

On demand pay advances funded by a partner bank with no fee to the employee

From
On request
Rated
-
Full reviewWebsite
Justworks logo

Justworks

Payroll

Professional employer organisation with published per-employee pricing and a separate payroll-only tier

From
$8/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Clair advance limits start around $100 per advance and roughly $200 between paydays, so it covers a shift level cash gap and not a genuine emergency.; Justworks the published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
  • They diverge on capability: Clair covers Embedded enrolment, Justworks covers Co-employment PEO.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Clair and Justworks actually diverge.

Attributes where Clair and Justworks differ
AttributeClairJustworks
Starting priceOn request$8/month
Pricing modelquotePer employee per month

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Clair

  • Embedded enrolment
  • Bank issued advances
  • Clair spending account and card
  • Free standard delivery
  • Instant delivery option
  • Progressive limits
  • Automatic repayment
  • No interest or late fees

Only in Justworks

  • Co-employment PEO
  • Large-group benefits
  • Payroll and filings
  • Workers' compensation
  • Compliance support
  • Standalone payroll
  • International contractors
  • HR consulting

What people use each for

The jobs each tool is most often brought in to do.

Clair

  • A restaurant group already on 7shifts wanting on demand pay without adding another vendor contractnot Justworks
  • A small business on QuickBooks Payroll enabling early wage access inside its existing payroll productnot Justworks
  • An employer that wants a fee free option to be the default rather than a paid upgradenot Justworks
  • A shift based operator using early pay access as a shift fill incentive without changing payroll timingnot Justworks

Justworks

  • A twenty-person US startup that wants health insurance comparable to a large employer without an insurance broker relationshipnot Clair
  • A company hiring across several US states that does not want to register as an employer and file taxes in each of themnot Clair
  • A founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty noticenot Clair
  • A team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tiernot Clair

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Clair

  • Advance limits start around $100 per advance and roughly $200 between paydays, so it covers a shift level cash gap and not a genuine emergency.
  • Instant delivery to an existing bank account costs the employee $4.99, so the free path in practice means opening a Clair account and card that the employee did not previously want.
  • The business depends on interchange from the Clair spending account, which means the design nudges workers to move their pay to a new account rather than keep their existing bank.
  • Availability is tied to payroll and scheduling partners, so an employer on an unsupported payroll system cannot buy Clair directly.
  • Advances are issued by Pathward, N.A. rather than Clair, so the terms and eligibility rules for the product ultimately sit with a bank that the employer has no contract with.

Justworks

  • The published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
  • Leaving a PEO is a project, not a cancellation: you must source your own health plan, obtain your own state employer registrations and unemployment accounts, and time the switch to a plan year, which typically takes months.
  • Coverage is United States only, so the moment you hire your first employee in another country you are running a second system and Justworks handles them only as a contractor.
  • PEO Basic looks like a cheaper way in but excludes the Justworks health plans, which is the main reason companies choose a PEO at all, so most buyers end up on Plus.
  • Benefit plan choice is constrained to what Justworks has negotiated, and a company with strong preferences about carriers or network coverage in a specific region may find the options do not fit.

Pricing, plan by plan

Clair

On request
  • Clair on demand pay$undefined/year
    • No published employer cost; delivered through payroll and scheduling partners
    • Standard one to three business day advances are free to the employee
    • Instant transfer to an external bank account costs $4.99

Justworks

$8/month
  • Payroll$8/month
    • Plus a $50 monthly base fee
    • Payroll, tax filing and benefits administration
    • No co-employment, so no access to Justworks health plans at PEO rates
  • PEO Basic$79/month
    • Full co-employment PEO
    • Payroll, tax filing and compliance
    • Does not include access to Justworks-sponsored health plans
  • PEO Plus$109/month
    • Everything in Basic
    • Access to Justworks health, dental and vision plans
    • Premiums are billed separately and are the larger cost
  • Dedicated HR consulting$30/month
    • Add-on to PEO plans
    • Named HR adviser support

Which should you pick?

Choose Clair if

  • You need embedded enrolment.
  • You work on Web, iOS, Android.
  • You also want bank issued advances.
Clair review

Choose Justworks if

  • You need co-employment peo.
  • You work on Web, iOS, Android.
  • You also want large-group benefits.
Justworks review

Questions people ask

Is Clair or Justworks better?
Neither clearly leads. Clair starts at On request and Justworks at $8/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Clair or Justworks?
Clair starts at On request and Justworks at $8/month.
Does Clair or Justworks run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Clair best used for?
Clair is most often used for a restaurant group already on 7shifts wanting on demand pay without adding another vendor contract, a small business on quickbooks payroll enabling early wage access inside its existing payroll product, an employer that wants a fee free option to be the default rather than a paid upgrade, a shift based operator using early pay access as a shift fill incentive without changing payroll timing. Of those, a restaurant group already on 7shifts wanting on demand pay without adding another vendor contract and a small business on quickbooks payroll enabling early wage access inside its existing payroll product are not what Justworks is typically brought in for.
What can Clair do that Justworks cannot?
Clair covers Embedded enrolment, Bank issued advances, Clair spending account and card, Free standard delivery. Justworks covers Co-employment PEO, Large-group benefits, Payroll and filings, Workers' compensation.

Answered from the vendors’ own pages

Clair: Does the employee pay a fee?

Not for standard one to three business day advances, and not for instant access into the Clair spending account. Instant transfer to an outside bank account costs $4.99.

Justworks: What does co-employment actually mean?

Justworks becomes the employer of record for payroll tax and benefits purposes while you retain full control over hiring, management and day-to-day work. It is a legal arrangement, not an outsourcing of your team.

Clair: How much can an employee advance?

Up to about $100 per advance and roughly $200 between paydays to start, with limits rising after consistent repayment.

Justworks: Is the $79 figure my total monthly cost per employee?

No. It is the platform fee. Health insurance premiums, dental, vision and workers' compensation are additional and typically dwarf it.

Clair: Can I buy Clair if I do not use a partner payroll system?

Generally no. It is distributed through payroll and scheduling platforms such as Gusto, QuickBooks Payroll and 7shifts.

Justworks: Can Justworks employ people outside the US?

No. It can pay international contractors, but it is not an employer of record abroad.

Justworks: What is the difference between the Payroll plan and the PEO?

The Payroll plan handles payroll and benefits administration under your own EIN at $8 per employee per month plus a base fee. The PEO adds co-employment and pooled large-group insurance at $79 or $109.

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