Tapcheck lets employees access some of their earned wages before payday through a service linked to their employer. It says up to 70% of net earnings, after taxes and deductions, may be available after a shift. Employees can transfer wages to a bank account, a Tapcheck Mastercard, or gift cards through Prizeout. Tapcheck says transfers are recorded, sent to payroll systems, and shown as itemized paycheck entries. Employers connect payroll and timekeeping systems through a no-code integration; listed platforms include ADP, BambooHR, and Ceridian Dayforce. The app also provides financial wellness resources, including personalized blogs and videos. Tapcheck says it costs employers nothing to offer, while employees pay an ATM-like fee for transfers; no-fee options are also listed. Employees can contact support through the app or by email. Eligibility depends on the employer having signed up for Tapcheck. The app is available on Android, iOS, and the web. Tapcheck was founded in 2019 and is headquartered in Plano, Texas.
Who it is for
Tapcheck is for employees who want access to earned wages before payday and whose employer has signed up. Employers can connect payroll and timekeeping systems through a no-code integration.
What is good
- Up to 70% of net earnings may be available after a shift
- Transfers can go to bank accounts, Mastercard, or gift cards
- Transfers appear as itemized paycheck entries
- Includes personalized financial wellness blogs and videos
What to know first
- Employees can use it only if their employer signs up
- Employees pay an ATM-like fee for some transfers
Verdict
Tapcheck provides an employer-linked way to access part of earned wages before payday, with several payout options and payroll visibility. Eligibility is tied to workplace participation, and transfer fees may apply, though no-fee options are listed.
Tapcheck plans and pricing
All plansCompared on earned wage access software
- Free plan
- Yes
- Employee mobile app
- Yes
- Instant wage transfer
- Yes
- Payroll integration
- Yes
- Timesheet integration
- Yes
