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"Just Do It." Planet Fitness Owners Share Their Earned Wage Access Stories

"Just Do It." Planet Fitness Owners Share Their Earned Wage Access Stories

Payroll

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Ever wonder what it's really like to offer earned wage access (EWA) at your business? We recently caught up with two Planet Fitness franchisees who shared genuine feedback about their journey with Tapcheck -- from integrations, to employee usage, even nitty-gritty details about the payroll process.

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Bottom line: they're  excited about the flexibility it's brought to their teams without adding overhead costs or headaches.

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If you'd like to watch the rest of this webinar and catch up with more insights we couldn't get to, you can find the full recording here.

 

The Ease and Power of EWA

"Wait, that's it?" That's the reaction from Tammy Shupp, Payroll and Benefits manager at IGNITE Fitness Holdings when the integration to Tapcheck was complete. No complicated setup, no administrative headaches – just a simple solution that makes a real difference in employees' lives.

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Tammy shared how team members are using EWA to handle both routine and unexpected expenses without needing to put it on a credit card or take out a payday loan. Tammy is helping her employees achieve financial flexibility without stressing out over a lengthy integration.

 

How the Payroll Process Really Works

Let's bust a myth right now: adding EWA doesn't mean turning your payroll process upside down. Shara Kreisl, Director of Human Resources and Payroll for Gym Management Services, explained how the integration and upkeep of Tapcheck is no sweat -- even as a team of one.

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Tapcheck plays nice with their existing systems with no payroll overhaul required. Shara works with Tapcheck directly to ensure payroll accuracy and timeliness, spending just a few minutes a week to bring a seriously big benefit to her staff.

 

Starting EWA in Q1

The new year often brings in a rush of new fitness devotees, all striving to make this year their year. Tammy shared how she aimed to avoid overburdening her staff but also aimed to bring a benefit to her workforce when they might need it most.  

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It was tricky timing, but the busy season for gym-goers also means it's a necessary time to bulk up staff. Tammy's team got Tapcheck up and running around the holidays, hitting the ground running once the busy season began.

 

Saying 'Just Do It' to EWA

Here's the thing about big decisions – sometimes you just need to take the leap. After Tammy called references, asked questions about Tapcheck's compliance with regulations, and knew the integration could happen quickly -- she and her team went for it.

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Knowing the impact that earned wage access can have on everyday employees, delaying the benefit can hurt engagement, retention, and fulfillment. Once you have your questions answered, why wait?   

The Bottom Line  

Here's what our Planet Fitness friends want you to know about EWA:

  • It's a total game-changer for keeping great employees happy
  • Set up is easier than nailing your first push-up
  • Your payroll software and systems stay intact
  • In the war for talent? This is your secret weapon

Still not convinced about the impact EWA can have on your business? Hear directly from Planet Fitness employees themselves.

Ready to see what all the buzz is about? Drop us a line at Tapcheck, and we'll show you how EWA can pump up your employee benefits game!

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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
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