Tapcheck

On-demand earned wage access

Tapcheck lets employees transfer wages they have already earned to a bank account or pay card before payday, provided at no cost to the employer. The point is what it displaces: without access to earned pay, workers facing a gap between expenses and the pay cycle turn to high-interest payday loans or employer-funded advances, both of which are expensive ways to solve a timing problem rather than an income one. The company positions the product as improving financial wellness while raising business productivity, since financial stress follows people to work.