Tapcheck Inc.

Tapcheck Inc. provides an earned wage access (EWA) service that lets employees withdraw pay they have already earned before their scheduled payday. The company's platform connects to employer payroll and timekeeping systems and calculates available wages automatically, making them accessible within hours of each shift ending through a mobile app. For employers, the benefit is offered at zero cost, and the company reports reductions in employee turnover of up to 31% among participating firms. Tapcheck works with major payroll providers and is available on the ADP Marketplace.

The product suite comprises the Tapcheck Earned Wage Access on-demand pay platform, the Tapcheck Mastercard - a branded debit card supporting early direct deposit - and a set of financial wellness tools including budgeting resources, savings calculators and financial education content. The service is used across healthcare, retail, hospitality and manufacturing, particularly among hourly workforces.

Founded in 2019 by husband-and-wife team Ron and Kayling Gaver, Tapcheck is headquartered in Plano, Texas and operates in the United States. Its stated mission is to address the financial difficulties faced by American workers waiting for paycheques. The company raised $225m in equity and debt. Its technical work spans mobile app development, payroll and timekeeping system integration, financial technology and financial wellness tooling.