Tapcheck Express — On-Demand Pay for Payroll & Timeclock Partners
Tapcheck Express
On-demand pay, built into your platform.
Tapcheck Express lets payroll providers, timeclock platforms, and HCM companies offer earned wage access as a built-in benefit, using the data you already have.
- No cost to employers. No risk to you.
- Revenue share on every transfer, from day one.
- Get up and running in less than a week.
What is Tapcheck Express
Your platform. Your clients. EWA that runs itself.
Tapcheck Express uses your payroll or timeclock data to power earned wage access — embedded inside your product or available through the Tapcheck app. Either way, employees see a balance and can transfer funds in seconds.
Inside your platform
Employees see their balance and transfer funds without leaving your app. Powered by Tapcheck via SSO and API with your branding, your experience.
Seamless User Experience
Partners who prefer a lighter integration can point employees to the Tapcheck app. Same accurate balance, same fast transfers.
Why partners choose Express
Make your product stickier. Win more. Keep more.
One vendor, not two.
Your clients get EWA where they already manage payroll or time. No new logins, no separate support lines, just a benefit their employees are already asking for, at zero cost to the employer.
Works with what you have.
Payroll data only? Fine. Timeclock only? Fine. Our SmartCalc algorithm builds on whatever you bring. You don’t need both.
Shared revenue, zero lift.
Partners earn on every transfer. The more employees who use it, the more you earn. No ongoing operational work from your team.
What will you earn with Tapcheck Express?
Adjust your inputs to see your projected revenue share.
| Employees on Payroll | 4,000 |
|---|---|
| Employee Adoption Rate | 25% |
| Monthly Earnings | $2,970 |
| Annual Earnings | $35,640 |
How it works
Live across your client base in days.
- One clause in your MSA. We draft it. You add it once. That's the entire contract lift.
- Auto-enroll your clients. Your whole book of business activates by default after the opt-out notification period ends.
- Enable data sharing. Works with your payroll data, timeclock data, or both.
- Add a deduction code. Standard deduction. Payroll runs exactly as it does today. Tapcheck handles reconciliation automatically.
After step four, Tapcheck owns everything from employee communication, 24/7 support, and EWA regulatory compliance to balance calculations, deduction auditing, and adoption marketing. Your team doesn't manage it. Your clients don't field calls about it.
89% of employers cite ease of integration as essential when considering EWA
95% of employers offering EWA say it helps them attract and retain talent
The most accurate balance in EWA
Net earnings. No intercept. No payroll disruption.
Most EWA products show gross earnings. We show net — after taxes, deductions, and garnishments — so employees never get caught short on payday.
- Net earnings, not gross. Our SmartCalc algorithm factors in taxes, deductions, and garnishments so employees see their true available balance.
- No intercept model. As the only payroll-native EWA solution, funds are repaid via a standard deduction code.
- Automatic reconciliation. Because Tapcheck lives within your payroll system, we automatically audit what made it to the paycheck versus what we posted. Any discrepancies are auto-reconciled and your payroll team never needs to touch it.
Connect the way that works for you.
Whether you want a hands-off launch or a fully embedded native experience, Express has an integration path that fits.
- Turnkey: Zero IT required • Days to launch
- Standard: Guide setup • Light lift
- Embedded: Full API • Native Experience
Ready to make EWA part of your platform?
Tapcheck Express is the fastest way to launch on-demand pay across your entire client base — with no engineering lift, no payroll disruption, and revenue from day one.