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How These Two Companies Solved High Employee Turnover

How These Two Companies Solved High Employee Turnover

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Human Resources

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Employee turnover is costly and disruptive, affecting the bottom line of the business and impacting company culture. But two companies managed to significantly lower their turnover rates through a combination of strategies, each with a common goal: looking for good people and treating them well.  

Pal’s Sudden Service: A Lesson in Rigorous Hiring and Training

Pal’s Sudden Service is a fast-food chain with locations in Tennessee and Virginia. Despite a zany exterior design and a menu full of off-the-wall versions on class drive-thru fare, Pal’s hiring strategy is no-joke. It focuses on attitude and cultural fit during a thorough interview process, which includes a 60-point psychometric survey to evaluate candidates.

High effort? Sure. High impact? Absolutely. Pal’s boasts an annual turnover rate of just 1.4 percent, significantly lower than average in an industry defined by turnover.  

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A Pal's Sudden Service in Tennessee.

But hiring is just one piece of the puzzle. New employees at Pal’s undergo 120 hours of rigorous training, ensuring they are well-prepared for their roles. The company also emphasizes continuous learning, with regular retraining and recertification to maintain high standards of performance.  

The result? Customers at Pal’s are treated to an average service time of just 18 seconds at the drive-up window, plus an error rate of just one in every 3,600 orders. For comparison, Taco Bell‘s average service time was 221 seconds (about 3 and a half minutes) and Chick-fil-A’s 325 seconds (about 5 and a half minutes) according to a 2022 QSR magazine report.  

Jiffy Lube: Earned Wage Access in Action

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Stonebriar Auto Services, a Jiffy Lube franchisee, operates 100 locations across the United States, from large cities in Texas to small towns in Wisconsin. With more than 800 employees, they faced a wide range of workforce needs when it came to payday.

The Challenge: Turnover in a Competitive Industry

The auto maintenance industry is no stranger to high turnover. For Stonebriar, employees often left for small pay differences or more flexible benefits. Technicians who were underbanked faced another challenge: receiving paper checks every two weeks and paying fees at check-cashing services.

Others struggled to wait until payday to cover routine expenses like rent or car payments, turning basic bills into financial emergencies.

The Solution: Tapcheck Earned Wage Access

Stonebriar turned to Tapcheck to give employees access to their earned wages on demand.

“I told Tapcheck that if they integrated with isolved, it's a done deal. I'm coming over. And sure enough, the team built the integration and we got everything up and running. I wanted it to be as hands-off as possible and I can say I'm happy with how everything has been.”

Alan Barrington, Head of HR, Stonebriar Auto Services

Tapcheck’s integration with isolved made payroll seamless and hands-off, delivering the flexibility employees wanted without creating extra work for HR.

The Results: Strong Retention and Adoption

Tapcheck delivered measurable business impact for Stonebriar:

  • 58% of employees hired in March 2024 who used Tapcheck remained with the company, compared to 12% who did not register
  • $2.6 million in total transfers funded
  • 43% employee registration rate
  • 82% of users transferred funds in the last 30 days

Alan at Stonebriar also found Tapcheck to be one of the few no-cost benefits that delivered meaningful results.

“A recruiting or retention tool in today's world is a very valuable thing to have. And everything else, benefits or insurance or discounts, will cost the business money. This doesn't. It's one of the few valuable, no-cost to business benefits I've found.”

At a Glance: Stonebriar + Tapcheck

Category Details
Industry Auto Maintenance
Employees 810
Locations 100
Payroll System isolved®
Program Impact $2.6M transfers, 43% registration, 82% active users

Why It Matters

Tapcheck helped Stonebriar address financial stress among its employees and build retention in a high-turnover industry. Alan realized employees could handle expenses like rent, car payments, and unexpected bills without turning to costly alternatives.

“Things came up, so just having Tapcheck as an option has helped a lot of people.”

FAQ

Does earned wage access really improve retention?
Yes. When employees can access their earned wages, they are less likely to leave for a competitor that does not offer the benefit. Employers that add Tapcheck often see measurable improvements in retention.

Will offering Tapcheck disrupt my payroll process?
No. Tapcheck integrates with 300+ payroll and timekeeping systems, keeping everything accurate and seamless without creating extra manual work for payroll teams.

What kind of adoption rates can I expect?
Employers typically see strong employee adoption. Most workers use Tapcheck at least once per month, and many rely on it regularly to manage expenses between paychecks.

Is there a cost to employers?
Tapcheck is free for employers. There are no setup fees, no ongoing costs, and no impact to your cash flow.

How do employees access their wages?
Employees download the Tapcheck app and can transfer a safe portion of their earned wages instantly or the next day. Each transfer is itemized on their pay stub for full transparency.

How Your Business Can Apply These Strategies

  1. Emphasize Cultural Fit in Hiring: Like Pal’s, businesses should prioritize cultural fit and attitude in their hiring processes. This approach ensures a cohesive work environment and aligns employees’ values with those of the company. One concrete way to apply this is to look at your current “perfect” employee for the role you’re hiring and determine the characteristics that make this employee great. Once that’s done, you’ll be able to hire new employees based on those characteristics.
  2. Offer Competitive Benefits and Career Growth Opportunities: Following the example of those two companies, businesses should consider offering a competitive range of benefits and opportunities for career advancement. This not only attracts talent but also encourages long-term commitment. While offering higher salaries isn’t always possible, one benefit that has been shown to reduce turnover is earned wage access (EWA), a tool that allows employees access to their wages after they finish their shift. Effectively, EWA allows employers to move to a daily pay schedule instead of weekly/bi-weekly. Tapcheck provides this benefit to employers and employees for free, if you’re an employer click here to learn more.
  3. Invest in Employee Training: While employers don’t need to go the length of creating a 60-step evaluation program like Pal’s, healthy training programs can lead to greater efficiency and employee satisfaction.
  4. Foster a Positive Work Environment: Both Pal’s and Jiffy Lube prioritize a positive and respectful work culture. Creating an environment where employees feel valued and respected is key to retaining talent. This could be on/off-site team bonding exercises, employee awards or simply making the workplace environment more comfortable to work in through practical benefits.

Pal’s Sudden Service and Jiffy Lube provide compelling examples of how businesses can effectively reduce high turnover rates. By focusing on rigorous hiring and training processes, offering strong benefits, and fostering a work culture that emphasizes autonomy and flexibility, companies can create an environment where employees are motivated to stay and contribute to long-term success.

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

Want to see how Tapcheck can help you stay competitive? Schedule a free demo.

See how Tapcheck stacks up

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

Category
Tapcheck
DailyPay

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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.

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.

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 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.

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 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.

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

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 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.
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.

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 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.

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 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.

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

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 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.
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.

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 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.

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

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 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.
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.

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 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.

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 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.
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sources
  1. ZayZoon — 50% of net pay, $1,000/period cap, integration count. zayzoon.com/go/paytime_payroll
  2. Tapcheck — 300+ payroll integrations, ADP Marketplace Platinum Partner. tapcheck.com/marketplace
What is Payroll Native EWA?
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I Built an EWA Platform — Here Are Six Questions Every HR and Payroll Leader Should Ask
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