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Payroll · head to head

Nmbrs vs Rain Instant Pay

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
Rain Instant Pay logo

Rain Instant Pay

Payroll

US earned wage access with a free ACH option and a paid instant transfer

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.; Rain Instant Pay the free option takes one to three business days, so in practice employees who need money urgently pay the instant fee, which makes the free tier close to theoretical.
  • They diverge on capability: Nmbrs covers Dutch payroll engine, Rain Instant Pay covers Earned wage calculation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Nmbrs and Rain Instant Pay actually diverge.

Attributes where Nmbrs and Rain Instant Pay differ
AttributeNmbrsRain Instant Pay

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 Nmbrs

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

Only in Rain Instant Pay

  • Earned wage calculation
  • Instant transfer
  • Free ACH transfer
  • Payroll deduction file
  • Employer dashboard
  • Tip and off-cycle payouts

What people use each for

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

Nmbrs

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

Rain Instant Pay

  • A senior living operator trying to fill open shifts by offering same-day access to earned paynot Nmbrs
  • A restaurant group replacing paper cheque advances and cash tip payoutsnot Nmbrs
  • A staffing agency competing for hourly workers who compare pay access when choosing assignmentsnot Nmbrs
  • An employer with high first-90-day turnover wanting a retention lever that does not raise wage costnot Nmbrs

Where each one falls short

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

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.

Rain Instant Pay

  • The free option takes one to three business days, so in practice employees who need money urgently pay the instant fee, which makes the free tier close to theoretical.
  • Fees of two to four dollars on small withdrawals represent a high effective cost to the worker, and employers who market it as a free benefit are describing their own invoice, not the employee experience.
  • Access is capped at roughly half of earned wages per pay period, which frequently falls short of what an employee in genuine difficulty needs and pushes them to other credit anyway.
  • It requires reliable time and attendance integration, and employers with manual timekeeping or multiple payroll systems face a long implementation before anyone can draw a cent.
  • US state-level earned wage access regulation is still changing, and a company operating across many states can find rules on fees and disclosures differ by jurisdiction mid-contract.

Pricing, plan by plan

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

Rain Instant Pay

On request
  • Rain Instant Pay$undefined/year
    • Employer cost quoted, commonly no subscription fee
    • Employee pays roughly 1.99 to 3.99 per instant transfer
    • Standard ACH transfer free to the employee, one to three days

Which should you pick?

Choose Nmbrs if

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

Choose Rain Instant Pay if

  • You need earned wage calculation.
  • You work on Web, iOS, Android.
  • You also want instant transfer.
Rain Instant Pay review

Questions people ask

Is Nmbrs or Rain Instant Pay better?
Neither clearly leads. Nmbrs starts at On request and Rain Instant Pay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Nmbrs or Rain Instant Pay?
Nmbrs starts at On request and Rain Instant Pay at On request.
Does Nmbrs or Rain Instant Pay run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Nmbrs best used for?
Nmbrs is most often used for a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator, an accountancy firm running payroll for dozens of client companies from one workspace, a dutch subsidiary of an international group that needs correct cao and pension fund handling, an hr or time tracking vendor that needs a documented api to push hours and changes into dutch payroll. Of those, a dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregator and an accountancy firm running payroll for dozens of client companies from one workspace are not what Rain Instant Pay is typically brought in for.
What can Nmbrs do that Rain Instant Pay cannot?
Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service. Rain Instant Pay covers Earned wage calculation, Instant transfer, Free ACH transfer, Payroll deduction file.

Answered from the vendors’ own pages

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.

Rain Instant Pay: Does the employer pay anything?

Usually not a subscription. The revenue comes from employee instant transfer fees, unless the employer chooses to subsidise them.

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

Rain Instant Pay: How much does an employee pay?

Nothing for a standard ACH transfer taking one to three days, and roughly 1.99 to 3.99 for an instant transfer to a debit card.

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.

Rain Instant Pay: How much can be withdrawn?

Typically up to about 50 percent of wages earned so far in the current pay period.

Nmbrs: Who owns Nmbrs?

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

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