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Payroll · head to head

Clair vs Nmbrs

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
Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From
On request
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.; Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • They diverge on capability: Clair covers Embedded enrolment, Nmbrs covers Dutch payroll engine.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Clair and Nmbrs actually diverge.

Attributes where Clair and Nmbrs differ
AttributeClairNmbrs

Identical on both: starting price (On request), pricing model (quote), 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 Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

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 Nmbrs
  • A small business on QuickBooks Payroll enabling early wage access inside its existing payroll productnot Nmbrs
  • An employer that wants a fee free option to be the default rather than a paid upgradenot Nmbrs
  • A shift based operator using early pay access as a shift fill incentive without changing payroll timingnot Nmbrs

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Clair
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Clair
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Clair
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot 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.

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

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

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

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 Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs review

Questions people ask

Is Clair or Nmbrs better?
Neither clearly leads. Clair starts at On request and Nmbrs at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Clair or Nmbrs?
Clair starts at On request and Nmbrs at On request.
Does Clair or Nmbrs 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 Nmbrs is typically brought in for.
What can Clair do that Nmbrs cannot?
Clair covers Embedded enrolment, Bank issued advances, Clair spending account and card, Free standard delivery. Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service.

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.

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

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.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

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.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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