The Most Accurate Earned Wage Access Solution
Unlike other EWA providers that estimate earnings, Tapcheck connects directly to your payroll and time systems for unmatched precision and control.
- 300+ payroll and time system integrations
- Keep control of payroll with no third-party intercept
- Deductions posted automatically to paychecks
- Free for employers
Book a Demo
Book a Demo
Experience a personalized 30-minute product demo and get all your questions answered by our experts.
Trusted by leading companies
Tapcheck Outperforms the Competition
Tapcheck wins on features, accuracy, and integrations
Balance Calculation
Transfer Frequency
Funding Model
Number of Integrations
App Rating
Deduction Model
Unlimited transfers
Up to 70% of net pay
300+
4.8/5
Intercept Model
5 transfers per day
50 to 70% of net pay
180+
4.7/5
Deduction Model
3 transfers per day period
50% of gross pay
50+
4.75/5
Deduction Model
Unlimited transfers
50% of gross pay
70+
4.55/5
Deduction Model
1 transfer per day
30-70% of net pay
130+
4.85/5
Sources:
https://get.dailypay.com/frequently-asked-questions/
https://www.dailypay.com/integrations/
https://play.google.com/store/apps/details?id=com.DailyPay.DailyPay&hl=en_US
https://apps.apple.com/us/app/dailypay-on-demand-pay/id1399085077
https://www.rainapp.com/how-it-works/
https://www.rainapp.com/help-desk/
https://apps.apple.com/us/app/rain-instant-pay/id1492069669
https://play.google.com/store/apps/details?id=us.rain.app&hl=en_US
https://www.payactiv.com/get-started/
https://www.payactiv.com/holistic-financial-wellness-platform/
https://apps.apple.com/us/app/payactiv/id792617775
https://play.google.com/store/apps/details?id=com.ProActMobile&hl=en_US
https://www.zayzoon.com/earned-wage-access
https://intercom.help/zayzoon/en/articles/5351024-when-will-my-account-refresh-or-update
https://intercom.help/zayzoon/en/articles/1506829-understanding-the-my-balance-page
Making it easy to be a great place to work
93% of employees say they felt better about their employer because they offered on-demand pay.
- Reduce employee turnover and stress
- Improve financial wellness across your workforce
- Boost bottom-line business performance
How Tapcheck works
1.
Connect Systems
Tapcheck connects with your existing payroll and timekeeping systems via our no-code integration.
2.
Calculate Earnings
As employees clock in and out, Tapcheck calculates their available balance, up to 70% of net earnings.
3.
Teams Access Their Pay
Employees see their available earnings in the Tapcheck app and can deposit them to their bank account or pay card.
4.
Run Payroll Like Normal
On payday, you run payroll as usual. Any transfers are reconciled and itemized on the employee's pay stub.
Built to benefit everyone
Why Employers Choose Tapcheck
- Better workforce performance: 50% lower turnover, 76% less absenteeism, and 89% higher productivity with on-demand pay
- Payroll flexibility: Send tips, bonuses, or final pay instantly with Tapcheck Disbursements
- Zero cost: No fees, no hidden charges—Tapcheck is always free for employers
- Competitive advantage: Get ahead by offering benefits employees and job seekers expect
- Easy to launch: 300+ integrations, no changes to payroll systems or processes
Why Employeres Love Tapcheck
- Payday, anytime: Use earned wages anytime for gas, groceries, or bills, no more waiting for payday
- Free financial tools: Access to personalized tips and tools to help employees save and budget smarter
- Prizeout: Employees can get extra rewards when they transfer their balances to gift cards—$200 in cash can become $240 in gas
- Easy to use: A simple app for instant transfers, clearly itemized on the paystub for full visibility
- Lower stress: 70% of employees said on-demand pay lowered their financial stress
Hear From Our Customers
Employer Testimonial
Tapcheck really assured me that they were going to be there when we needed it
Tapcheck really assured me that they were going to be there when we needed it. We've had nightmare situations before, but Tapcheck was right there with us.
Tapcheck really assured me that they were going to be there when we needed it. We've had nightmare situations before, but Tapcheck was right there with us.
Employer Testimonial
Tapcheck is one of the easiest, most user-friendly platforms in payroll processing
Tapcheck is one of the easiest, most user-friendly platforms in payroll processing that I use in my expertise of work.
Tapcheck is one of the easiest, most user-friendly platforms in payroll processing that I use in my expertise of work.
Employer Testimonial
Tapcheck has helped us with retention
Tapcheck has helped us with retention. Our employees are calling out of work less because they can get the funds they need before payday to take care of whatever it is they need.
Tapcheck has helped us with retention. Our employees are calling out of work less because they can get the funds they need before payday to take care of whatever it is they need.
Employer Testimonial
As a department of one
As a department of one, if there's a heavy lift, it doesn't make it a lot of sense. I'm the one handling onboarding, offboarding, performance; so it needs to be easy. There's no heavy lift with Tapcheck
As a department of one, if there's a heavy lift, it doesn't make it a lot of sense. I'm the one handling onboarding, offboarding, performance; so it needs to be easy. There's no heavy lift with Tapcheck
Employer Testimonial
The connection between financial wellness and their overall wellbeing, sometimes it's as vital as
The connection between financial wellness and their overall wellbeing, sometimes it's as vital as: 'I don't have $50 to go to the urgent care, so I'm just going to let this infection get worse'. It would be detrimental for a lot of our communities if we didn't have this kind of benefit
The connection between financial wellness and their overall wellbeing, sometimes it's as vital as: 'I don't have $50 to go to the urgent care, so I'm just going to let this infection get worse'. It would be detrimental for a lot of our communities if we didn't have this kind of benefit
Employer Testimonial
You're either going to pay for something with your time or your money
You're either going to pay for something with your time or your money. Tapcheck is one of the very few companies that didn't cost me either.
You're either going to pay for something with your time or your money. Tapcheck is one of the very few companies that didn't cost me either.
Employer Testimonial
Just go for it. It doesn't cost you anything
Just go for it. It doesn't cost you anything, and it makes a huge difference for employees living paycheck to paycheck. It's a great asset for any facility.
Just go for it. It doesn't cost you anything, and it makes a huge difference for employees living paycheck to paycheck. It's a great asset for any facility.
Employer Testimonial
Tapcheck has been the easiest implementation I've ever done
Tapcheck has been the easiest implementation I've ever done, and I've done quite a few of them. Honestly, it feels like I did next to nothing
Tapcheck has been the easiest implementation I've ever done, and I've done quite a few of them. Honestly, it feels like I did next to nothing
Employer Testimonial
This benefit is hands-off, it helps the employee
This benefit is hands-off, it helps the employee, it's fully integrated, and it doesn't cost the company. It's a no-brainer.
This benefit is hands-off, it helps the employee, it's fully integrated, and it doesn't cost the company. It's a no-brainer.
Employer Testimonial
Huge Burden Lifted!
Integration is a breeze and there is very little for me to do on my end, but whenever I do have a question, the Tapcheck team is responsive and friendly.
Integration is a breeze and there is very little for me to do on my end, but whenever I do have a question, the Tapcheck team is responsive and friendly.
Employer Testimonial
Easy to use service with friendly customer service
Excellent product with outstanding service. The team at Tapcheck made the process so simple. Integration was seamless and virtually hands-off for me.
Excellent product with outstanding service. The team at Tapcheck made the process so simple. Integration was seamless and virtually hands-off for me.
Employer Testimonial
Tapcheck works and helps our workers
Tapcheck attracts applicants to us! This featured benefit also attracts applicants to choose our agency over others. We are happy to have this partnership!
Tapcheck attracts applicants to us! This featured benefit also attracts applicants to choose our agency over others. We are happy to have this partnership!
Employer Testimonial
Excellent product with outstanding service.
Tapcheck is a huge retention booster! Employees love using this to advance money for gas, groceries, etc. It has improved show up rates for shifts.
Tapcheck is a huge retention booster! Employees love using this to advance money for gas, groceries, etc. It has improved show up rates for shifts.
The leading on-demand pay provider
4.7/5
Trustpilot rating, highest in the industry
$1B+
in early wages funded
12K+
businesses served
Want to Learn More?
Sign up for a demo of Tapcheck to learn how it can revolutionize payday for your team.
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Mobile app
Download the mobile app for on-demand pay. Now on iOS and Android.