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Why Business Leaders Are Saying ‘Don’t Wait’ with EWA

Why Business Leaders Are Saying ‘Don’t Wait’ with EWA

Benefits
Human Resources
Financial Wellness

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Earned wage access has become a must-have benefit for hourly-wage Americans. 83% of workers want on-demand access to pay, and 81% are willing to leave a job to find a benefits package that includes it.

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And it’s not for trivial reasons – more than 75% of Americans are living paycheck-to-paycheck. Missed payments, late fees, and credit card debt loom over household budgets. Financial stress is a serious concern amongst American workers, and that’s had a serious impact on business performance over the last few years.  

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Earned wage access isn’t panacea. It can’t solve financial problems overnight, nor will it suddenly triple your team’s productivity. But it’s a low-effort, high-impact way for businesses to instill trust in your employees that they can take control of payday as they need it.  

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Plus, even modest retention gains from an EWA offering can turn into thousands of dollars saved for the business. Explore below how these business leaders have used EWA to improve their employee experience and found bottom-line gains at the other end.  

Jiffy Lube Franchise Sees Results with EWA

While it might not immediately spring to mind, auto technicians are one of highest-churning employee segments in the country. Almost half of service techs will change jobs or leave the industry in a given year.  

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A Jiffy Lube franchise saw an opportunity to step in. By offering EWA, they brought a benefit that was no-cost to the business while providing some economic stability for their staff. That helped metrics downstream, like retention, productivity, and engagement.  

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Taco Bell Helps Local Employees with Payday Control

Fast-food is where millions of Americans get their start. 3.2 million Americans worked in fast-food in 2023, and many – if not most – will leave in short order. With 90-day retention rates hovering above 50% and annual rates north of 100%, turnover and staffing are a constant strain on quick-serve restaurants (QSRs).  

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Taco Bell franchises aren’t immune to the industry trends. But Cathy Remedies, the Director of Operations for an 11-location franchisor, saw EWA as a way to differentiate their hiring package and entice their team to stick around, even just for a bit.

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Skilled Nursing Leader Sees EWA Need Across Incomes

Senior living and home health care are among the highest-turnover sectors of the healthcare industry. Workers are often just starting in the industry, building hours for a credential, or working a second job. Almost 80% of staff in home health will churn each year, putting agencies and healthcare facilities in a constant scramble to find talent.

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Vered Healthcare is a senior living facility in Florida and in a constant battle with staffing agencies to entice and hire employees. To keep up with agencies that offer daily payroll or to differentiate from those that don’t, the team at Vered sought to add EWA to their mix.

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Planet Fitness Leaders Found 'Easy EWA' with Tapcheck

Gyms are a particularly challenging place to staff. Many are open 24 hours a day, and each requires dozens of people with varied skill sets to keep it moving. Trainers, front desk staff, cleaners, maintenance – it takes a mini army.  

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And similar to other industries, many of these staff live paycheck-to-paycheck. On-demand access to pay gave the Gym Management Services team, a Planet Fitness franchise, a secret weapon in the employee engagement and retention game. But the best part? Adding this high-impact benefit was no cost and no sweat.

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Business leaders throughout the country and across industries are finding that EWA is an easy, impactful way to foster financial stability and flexibility in their staff.

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By providing on-demand access to pay, they’re empowering their teams to get gas, pay bills, buy groceries – taking control of payday.

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Interested in learning more about how Tapcheck can improve your employee's financial well being? Request a Demo.

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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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