2025 Financial Wellness Impact Report

The financial health of the modern workforce is under strain.

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To be an hourly or frontline worker in today’s economy means juggling expenses, forgoing luxury, and navigating stress. In no uncertain terms, millions of today’s workers are struggling to get ahead.

Despite working full-time, many are fighting just to cover basic expenses between paychecks. And this stress isn’t isolated to the employee. It manifests at work through missed shifts, distraction, and turnover.

We asked thousands of Tapcheck users to tell us about their financial lives and how on-demand pay is helping them take control.

Key findings:

• 78% felt financial stress between pay periods
• 85% noted they have expenses that can't wait for their next check
• 34% currently can't make ends meet with their current incomes

Get our 2025 report on financial wellness for more insights and strategic initiatives employers can use to help their staff.

Get the whitepaper:

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On-Demand Pay

The Employee Benefit that Benefits Businesses

Employer Testimonial

"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."

Alexia Lucero-Kendall, Payroll Supervisor, Sweetwater Care

Employer Testimonial

"Tapcheck is one of the easiest, most user-friendly platforms in payroll processing that I use in my expertise of work."

Becki Carpenter, Payroll Director, TJ Wolf, a McDonald’s Franchise

Employer Testimonial

"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."

Cathy Remedies, Director of Operations Services, R2 Restaurants, a Taco Bell Franchise

Employer Testimonial

"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."

Shara Kreisl, Director of Human Resources and Payroll, Planet Fitness

Employer Testimonial

"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."

Amanda Wickert, VP of Engagement, Navion Senior Solutions

Employer Testimonial

"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."

Eli Collier, Franchise Owner, HomeWell Care Services

Employer Testimonial

"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."

Aaron Shapiro, Payroll Director, Vertex Consulting Group

Employer Testimonial

"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."

Holly Lasitis, Accounting & HR Management, M&J Management, a McDonald’s Franchise

Employer Testimonial

"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."

Alan Barrington, Head of HR, Stonebriar Auto Services, a Jiffy Lube Franchise

Employer Testimonial

"Nearly 100% increase in employee tenure. 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."

Alan Barrington, Head of HR, Stonebriar Auto Services

Employer Testimonial

"Getting financially fit with Tapcheck. As a department of one, if there's a heavy lift, it doesn't make sense for our organization. There's no heavy lift with Tapcheck."

Shara Kriesl, Director of HR and Payroll, Gym Management Services

Employer Testimonial

"Easiest implementation, ever. It has been the easiest implementation I've ever done, and I've done quite a few of them. Honestly, it felt like I did next to nothing."

Holly Lasitis, Accounting & HR Manager, M&J Management

Employer Testimonial

"The platform was antiquated and a waste of our resources. Payactiv was void of relevant financial content and generally not user-friendly. In over two years with Payactiv, our staff had transferred just under $800k. In the nine months since moving to Tapcheck our staff has accessed over $4MM and the feedback has been exceedingly positive."

Soly A., VP of People

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."

Renate S., General Manager

Employer Testimonial

"We switched over to Tapcheck and it exceeded our expectations. With Payactiv, we were fielding several calls from our caregiving staff having issues accessing their money. From a management perspective, this was clogging our operations and frustrating because we couldn't efficiently connect them with Payactiv to resolve their issues."

Matthew O., Community Liaison

Employer Testimonial

"Best perk free to employers. Using Tapcheck is easy and just awesome — a life saver. Highly recommended to anyone who wants to get the paycheck early."

Yuri B.

Employer Testimonial

"It's a manual process of re-sending them emails every day. Payactiv wasn't able to verify employee data regularly, even though we sent them a daily file. They were requiring us to send another daily email with every employee change. Errors were made on employee accounts, they didn't process our time files efficiently, and our employees became frustrated with the system."

Monica C., Director of Accounting

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."

Jarrod P., Owner

Employer Testimonial

"Tapcheck is AWESOME. Great way to get your paycheck when you need it! Especially if you get paid every other week & bills come due before payday. Low fees, fast, reliable service."

Sherri K.

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!"

Kathy D., HR Manager

Employer Testimonial

"Supportive and helpful. I love every experience with Tapcheck, it's easy to use and understand. I can get money from my check in a pinch, and I save money in late fees by not having to wait till payday to pay a bill."

Stacy

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."

Tracie D., Owner

Employer Testimonial

"Great resource. What a great service. If you get paid every two weeks, but something comes up you have an unexpected bill. It's nice to know that Tapcheck is there for you."

Darcel R.