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How Tapcheck Integrates with Your Payroll System (Without Changing Your Process)

Payroll

Benefits

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Published: Sep 11, 2025 • Reading: 2 min

Executive Summary — [How Tapcheck Integrates with Payroll]

Integrations are achieved through a well-documented API, meaning in most cases they can be executed quickly and easily.

Tapcheck integrates via API to your company's payroll software. This allows Tapcheck to seamlessly calculate accurate employee balances based on real hours worked, inclusive of taxes and other withholdings. Balances that include these deductions mean employees are less likely to overadvance, helping your payroll teams keep their processes error-free.

Getting Started: Well-documented APIs make integration easy.
Calulating Balances: Tapcheck works with your payroll to align balances with hours worked.
Employee Experience: Balances include taxes and withholdings, reducing risk of overadvance.

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When it comes to employee benefits, simplicity matters -- especially if that benefit is supplemental in nature. Teams might be willing to grind out a long integration period for a new healthcare benefits plan, but for something like earned wage access (as impactful as we’ve seen it be), it’s got to be easy.

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Integration might sound like a heavy lift to a team that has gone through arduous payroll changeovers, added new employee portals, or launched an internal app. But not every implementation needs to send shivers down the spine of your operations team.

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Tapcheck integrates seamlessly with your existing payroll system and does not require any major changes to your existing payroll processes (don't take it from us. Listen to Sara).

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After a few quick steps, you’ll allow your employees to get on-demand access to their pay, helping them avoid high-interest debt or predatory payday loans.

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Let’s walk through the integration process step-by-step.

What Information Does Tapcheck Need to Get Started?

Before anything else, Tapcheck connects with the information you already provide in payroll via an API integration. API, or Application Programming Interface, allows for an exchange of data so things can work together.

In most cases, this API will allow Tapcheck to verify the following information:

Gross pay amounts based upon hours worked

Applicable deductions (pre- and post-tax)

Employee’s state and filing status

With this data, Tapcheck calculates accurate earned wages that are inclusive of obligations and withholdings. This ensures compliance and consistency with your payroll system.

How Does Tapcheck Handle Payroll Deductions and Taxes?

Tapcheck follows the same sequence your payroll software already uses:

Gross Pay – The total wages earned by the employee.

Deductions & Taxes – Federal, state, and local taxes, updated automatically through our tax engine. Items like garnishments or other post-tax obligations are also factored in.

Through the API integration. Tapcheck mirrors your existing process to make sure employees only have access to accurate, earned wages – not some lump sum estimation that could be overdrawn.

How Are Taxes Kept Accurate and Up to Date?

Taxes change often, but it’s easy to keep the data that’d fed to Tapcheck up to date. Tapcheck captures ongoing Tax Updates as they are entered in payroll, so deductions always reflect the latest regulations at the federal and state level.

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That means your employees’ available balance in Tapcheck remains precise and reflects their ongoing tax status.

What Happens Once Everything Is Calculated?

After applying deductions and taxes, Tapcheck delivers a Calculated Result—the exact net wages available for employees to access early.

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This ensures they never withdraw more than they’ve truly earned, protecting both the employee and employer.

Will Tapcheck Disrupt Our Payroll Process?

Not at all. Tapcheck was designed to work with your existing payroll software without requiring major changes, migrations, or complicated setup.

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Payroll teams keep running payroll the same way they always have, while Tapcheck handles the earned wage access calculations in the background.

What’s the End Result for Employers and Employees?

For employers: No extra burden on payroll teams and full compliance with regulations. Employers who communicate the benefits of on-demand pay can see meaningful lifts in retention.

For employees: Flexible access to wages, helping them avoid overdraft fees and payday loans. 7 in 10 workers said on-demand pay helped them avoid new debt.

By aligning with your payroll workflow, Tapcheck makes earned wage access simple, secure, and seamless.

Ready to See Tapcheck in Action?

Tapcheck integrates in just a few steps, without disrupting payroll. Let’s show you how simple it can be to give employees financial flexibility while keeping your processes intact.

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👉 Book a Demo Today

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Want a broader review of earned wage access to learn how it can impact your business? Visit our guide here.

See how Tapcheck stacks up

Select a competitor. Tap any row to see the details.

Category

Tapcheck

DailyPay

funding model

Payroll native

Automatic reconciliation built in

Payroll intercept ¹

Paycheck routes through DailyPay before distribution

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tapcheckTapcheck is payroll native. Advances settle as a line-item payroll deduction with automatic reconciliation built into the payroll run. It's visible on the pay stub and in the employer's payroll register. The paycheck is never intercepted or routed through a third party.

DailyPay DailyPay operates a payroll intercept model: before any paycheck reaches an employee, DailyPay takes control of the full payroll disbursement. They hold the employee's earned wages, distribute the advance amount they've already issued, and release the remainder to the employee.

Available balance

Up to 70% of net pay

50–70% of net pay ¹

Range depends on employer configuration

Zero IT required. We configure everything from your existing data feeds — you enable data sharing through your platform settings and that's it. Most partners launch this way, in days, with no engineering resources.

tapcheckTapcheck's real-time payroll integration allows us to calculate earned wages with precision, including tax withholdings and deductions, which is why we can confidently offer employees up to 70% of net pay.

DailyPay DailyPay can offer up to 70%, but because their system doesn't calculate withholdings with the same precision, they often configure employers at 50% to hedge against overpayment risk.

Transfer frequency

Unlimited

Up to 5 transfers per day ³

Daily transfer cap

tapcheckTapcheck has no limit on transfers per day or per pay period, so employees access their earned wages as many times as needed.

DailyPay DailyPay limits employees to 5 transfers per day. For employees with multiple smaller financial needs across a week, this daily cap can limit how they use the benefit.

Transfer destinations

Any bank, card, or app

Direct deposit required ¹

Employees must have DD set up to enroll

tapcheckTapcheck works with any bank account, debit card, or the Tapcheck Mastercard. No direct deposit requirement and no new account needed, including for unbanked workers.

DailyPay DailyPay requires employees to have direct deposit set up to enroll, per DailyPay's own FAQ. In hospitality and QSR, 15-25% of the workforce may not have direct deposit configured, creating a meaningful enrollment barrier for the employees EWA is designed to serve.

Payroll integrations

300+ ⁴

180+ ²

Fewer mid-market systems

tapcheckTapcheck is an ADP Marketplace Platinum Partner with 300+ payroll and timekeeping integrations, including particular depth in mid-market and healthcare systems (Viventium, Infor, Dayforce (Ceridian), iSolved, and Paycor) where DailyPay's coverage is thin or unconfirmed.

DailyPay DailyPay claims 180+ HCM, payroll, and time management integrations, but depth is thinner in the mid-market systems where Tapcheck is strongest.

sources

DailyPay — "How DailyPay Works" and FAQ (intercept model, direct deposit requirement). dailypay.com/faq‍
DailyPay — Integration count (180+). dailypay.com/integrations
DailyPay — Transfer limit (5 per day). DailyPay Manager's Guide
Tapcheck — 300+ payroll integrations, ADP Marketplace Platinum Partner. tapcheck.com/marketplace

Category

Tapcheck

PayActiv

funding model

Payroll native

Automatic reconciliation built in

Payroll deduction, estimated net pay ¹

Approximates net using fixed % of gross; no actual withholdings data

PayActivPayActiv also uses a payroll-deduction model. However, rather than using actual payroll withholdings data, PayActiv estimates net pay as 80-90% of gross depending on the employer configuration. This estimation approach introduces overpayment risk.

Available balance

Up to 70% of net pay

Up to 50% of estimated net pay ²

Based on an approximation, not actual payroll data

tapcheckTapcheck calculates access against net pay, the employee's actual take-home after taxes, up to 70% per pay period.

PayActivPayActiv estimates the accessible balance as 50% of estimated net pay, where net is approximated as 80-90% of gross rather than calculated from actual payroll data. Using their own example: an employee with $500 in gross earned wages would have an accessible balance of $225. Because the net figure is an estimate, the advance may not reflect actual take-home pay.

Transfer frequency

Unlimited

$500 per pay period cap ³

Per pay period ceiling

tapcheckTapcheck offers unlimited transfers within the pay period.

PayActivPayActiv caps total EWA transfers at $500 per pay period. A single unexpected car repair can easily exceed that ceiling, leaving employees unable to access any remaining earned wages for the rest of the pay period.

Payroll integrations

300+ ⁴

Major enterprise platforms only ⁵

Limited mid-market and vertical-specific depth

tapcheckTapcheck is an ADP Marketplace Platinum Partner with approximately 300 integrations, including particular depth in Infor, Viventium, iSolved, Dayforce/Ceridian, and vertical-specific healthcare, staffing, and senior living systems where PayActiv's coverage is limited.

PayActivPayActiv is an ADP Marketplace Platinum Partner and integrates with Paychex, Paycor, UKG, and SAP SuccessFactors. Strong across major enterprise payroll platforms. Mid-market and vertical-specific system depth is less documented.

sources

PayActiv — Estimated net pay methodology (80–90% of gross). payactiv.com/trust-center/compliance-handbook
PayActiv — Access calculation (50% of estimated net). payactiv.com/get-started
PayActiv — Transfer cap ($500 per pay period). payactiv.com/blog
Tapcheck — 300+ payroll integrations, ADP Marketplace Platinum Partner. tapcheck.com/marketplace
PayActiv — Integrations (ADP Marketplace Platinum Partner). payactiv.com/partnerships

Category

Tapcheck

Rain

funding model

Payroll native

Automatic reconciliation built in

Payroll deduction, gross basis ¹

No withholdings calculation; manual reconciliation required

RainRain uses a payroll-deduction model and fronts funds from its balance sheet, repaid at the end of the pay period. Rain calculates access on gross pay, before taxes and withholdings, which creates overpayment exposure when hours or deductions change. Employers are responsible for reconciling differences manually.

Available balance

Up to 70% of net pay

Up to 50% of gross pay ¹

Pre-tax basis. Lower real access for most employees.

tapcheckTapcheck calculates access against net pay, the employee's actual take-home after taxes, up to 70% per pay period.

RainRain calculates access against gross earned wages, before taxes and withholdings are applied. This creates real overpayment risk: when hours change, deductions vary, or an employee is terminated mid-period, the amount advanced can exceed what's actually owed on a net basis.

Payroll integrations

300+ ²

Workday, ADP, UKG, Paychex, Paylocity ³

Thinner in specialty and mid-market systems

tapcheckTapcheck is an ADP Marketplace Platinum Partner with approximately 300 integrations, including Infor, Viventium, iSolved, Dayforce/Ceridian, and vertical-specific healthcare and staffing systems where Rain's depth is thinner in mid-market.

RainRain integrates with Workday (Built on Workday, July 2025), Paylocity, ADP, UKG, Paychex, Fourth, Deputy, and Harri. Strong major-enterprise coverage, but less comprehensive in mid-market and vertical-specific systems.

sources

Rain — 50% of gross pay calculation. rainapp.com/ewa-provider-guide
Tapcheck — 300+ payroll integrations, ADP Marketplace Platinum Partner. tapcheck.com/marketplace
Rain — Payroll integrations. rainapp.com/integrations

Category

Tapcheck

ZayZoon

funding model

Payroll native

Automatic reconciliation built in

Payroll deduction, net pay ¹

$1,000/period cap limits real access

ZayZoon ZayZoon uses a payroll-deduction model, fronts funds from its balance sheet, and calculates access against net earned wages. However, access is capped at $1,000 per pay period regardless of what an employee has earned.

Available balance

Up to 70% of net pay

50% of net pay, $1,000/period cap ¹

Hard dollar ceiling applies on top of the percentage

tapcheckTapcheck calculates access against net pay, the employee's actual take-home after taxes, up to 70% per pay period.

ZayZoon ZayZoon calculates access at 50% of net earned wages, but applies a hard cap of $1,000 per pay period. For most full-time employees, the dollar cap is hit before the 50% ceiling.

Payroll integration depth

300+ ²

160+ payroll provider integrations ¹

Primarily SMB payroll bureaus and PEOs

tapcheckTapcheck is an ADP Marketplace Platinum Partner with approximately 300 direct API integrations across major enterprise payroll and HCM systems including ADP, Workday, UKG, Infor, Viventium, iSolved, and Dayforce, plus vertical-specific systems in healthcare and staffing.

ZayZoon ZayZoon has 160+ integrations, primarily through SMB payroll bureaus, PEOs, and platforms like Swipeclock and Payentry. Effective for SMB distribution, but less relevant for enterprise buyers needing direct API connections with major HCM platforms.

sources

ZayZoon — 50% of net pay, $1,000/period cap, integration count. zayzoon.com/go/paytime_payroll
Tapcheck — 300+ payroll integrations, ADP Marketplace Platinum Partner. tapcheck.com/marketplace