Is Tapcheck Secure? A Look at Security, Compliance, and Trust

September 5, 2025
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At Tapcheck, compliance is more than a requirement. It’s a cornerstone of how we operate. By safeguarding data, adhering to laws and regulations, and maintaining a responsible business model, we strengthen the trust our partners and their employees place in us. Our commitment to compliance is what allows us to advance our mission: making financial wellness accessible, safe, and reliable for every worker.

What Compliance Means at Tapcheck

When wages are on the line, accuracy and security aren’t optional. Tapcheck is committed to meeting the highest standards across every part of our service:

  • SOC 2 Certification – Tapcheck has completed SOC 2 compliance, demonstrating our adherence to the highest standards for security, availability, and confidentiality of sensitive information.
  • Sensible Funding Model – Tapcheck calculates an employee’s earned wages based on real-time payroll and timeclock data, ensuring that employees see accurate balances from actual hours worked, not algorithms. This reduces the risk of over advances.
  • EWA Guideline Adherence – Tapcheck remains vigilant in moitoring monitoring and responding to changes in the compliance, legal and regulatory landscape surrounding EWA. Our team’s dedication to compliance and security is unwavering as the legal landscape and regulations continues to evolve.

How Tapcheck Protects Employee & Employer Data

Protecting sensitive information is core to compliance and to our promise. Tapcheck uses advanced safeguards to keep employer and employee data secure:

  • AES 256-bit encryption for data.
  • Regular audits and ongoing risk monitoring.
  • Strict access controls of devices and data

These measures, combined with our SOC 2 certification, reflect our commitment to evolving with industry best practices.

Tapcheck Compliance & Data Security at a Glance

CategoryTapcheck Standard
SOC 2 CertificationVerified independent audit for security, availability, and confidentiality
Data encryptionAES 256-bit encryption for all data, at rest and in transit
Legal alignmentMonitors and complies with EWA laws and regulations
Business modelEmployees only access wages already earned
AccessibilityWCAG 2.1 standards to ensure an inclusive and compliant user experience

Keeping Compliance Front and Center

Compliance isn’t static. It’s a continuous responsibility.

Tapcheck monitors federal and state laws and regulations to ensure our platform stays aligned with current laws and industry standards. By keeping compliance at the center of everything we do, we ensure Tapcheck remains a safe, responsible, and trusted earned wage access provider, today and in the future.

Why Top Companies Choose Tapcheck

For EmployersFor Employees
Seamless integration with payroll, HCM, and timekeeping systemsInstant access to earned wages. No interest, no debt
No employer float, no recourse, no added financial riskTransparent, low-cost fees with no hidden charges
SOC 2 certified with strict data security standardsEasy-to-use mobile app with visibility into earnings and spending
Compliance with EWA laws and regulationsReliable, secure platform available 24/7

FAQ's: Earned Wage Access Compliance

Is Tapcheck safe to use?

Yes. Tapcheck is SOC 2 certified and uses AES 256-bit encryption to protect sensitive information. We also complete regular audits and maintain strict internal access controls to keep data secure.

Does Tapcheck comply with EWA laws and regulations?
Yes. Tapcheck complies with EWA laws and regulations. We continue to monitor regulatory shifts to maintain compliance with emerging guidelines. List of state-by-state licenses.

How does Tapcheck protect employee and employer data?
We have layered safeguards, including encryption, audits, and systems compliance. These measures ensure sensitive payroll and employee data remain protected at all times.

What makes Tapcheck different from other earned wage access providers?
Tapcheck combines compliance, security, and an employee-first business model to create a high-trust solution in the industry. By focusing on safe access to earned wages, we reduce financial risk for both employers and employees.

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1000's of companies are using Tapcheck

Our on-demand pay benefit gives you a way to enhance your team’s performance at no cost. Here are a few reasons our clients choose us for Earned Wage Access:

78% OF EMPLOYEES PAY BILLS ON TIME WITH ON-DEMAND PAY
53% OF WORKERS SPEND 3 OR MORE WORK HOURS PER WEEK FOCUSED ON THEIR FINANCIAL CHALLENGES
89% OF EMPLOYEES WOULD WORK LONGER FOR A COMPANY THAT OFFERS ON-DEMAND PAY
49% AVERAGE INCREASE IN EMPLOYEE PRODUCTIVITY
50% REDUCTION IN EMPLOYEE TURNOVER

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