Crunchtime users can now offer on-demand pay — at no cost

Tapcheck connects directly with Crunchtime so your employees can access earned wages before payday. Zero cost to the business. No new workflows. Just a benefit your team will actually use.

Book your free demo

See the Crunchtime + Tapcheck integration live in 20 minutes.

Seamless setup

Because Tapcheck integrates directly with Crunchtime, you don't need to change your current process. We sync with your existing pay periods, calculate earned wages in real time, and settle any advances at your regular payroll cycle — seamlessly.

Connect your Crunchtime account

One-time setup takes less than 30 minutes with your dedicated onboarding specialist.

Invite your employees

Send a bulk invite via email or text. Employees download the app and enroll in minutes.

Tapcheck handles everything else

We track hours, calculate earned pay, fund advance requests, and reconcile at payroll — zero lift from your HR team.

Real-time earnings calculation

Tapcheck tracks earned wages based on employee work hours, ensuring accurate payouts when needed.

Automatic payroll reconciliation

Whatever was advanced gets deducted during your regular payroll cycle.

Free for employers, fair for employees

Tapcheck charges a small flat fee to employees — similar to an ATM fee. No interest charges, no credit checks.

Employer dashboard with full visibility

See utilization rates, track adoption, and access reporting — all from a clean employer portal.

Tapcheck in numbers

• 12K+ Businesses trust Tapcheck
• $1B+ Accessed through Tapcheck
• 95% Satisfaction rate among HR and payroll teams
• 89% Of employees feel more loyal to their employer with Tapcheck

Frequently Asked Questions

How does Tapcheck integrate with Crunchtime?

Tapcheck connects directly to your Crunchtime account via API. We pull time and attendance data to calculate earned wages in real time. At the end of your pay period, any advanced amounts are automatically reconciled through your normal payroll run.

Does this cost my company anything?

No. Tapcheck is completely free for employers. Employees pay a small flat fee per transfer to access their wages early.

Will this change our payroll process?

Not at all. Tapcheck works within your existing pay periods and payroll cycle. We fund employee wage advances from our own balance sheet.

What if an employee leaves before their advance is repaid?

Tapcheck absorbs the risk. If an employee's final paycheck doesn't cover an outstanding advance, Tapcheck handles the recovery.

How long does setup take?

Getting started with the benefit takes less than 30 minutes. Roll it out to employees in as little as two weeks.

Is Tapcheck compliant in my state?

Tapcheck is compliant with state EWA regulations and holds required licenses.

What is Tapcheck?

Earned Wage Access (EWA) gives employees financial freedom. It provides regular access to wages they've already earned before payday arrives.

Employees earn wages in real-time

As employees work, Tapcheck continuously calculates their earnings based on payroll data.

They request what they need, when they need it

Via the Tapcheck mobile app, employees can transfer any portion of their earned wages directly to their bank account — instantly or by the next business day.

It reconciles at payday

No new bank accounts needed, no long reconciliation headaches; everything reconciles at payroll.

Compliant and secure

Tapcheck is SOC 2 Type II certified and compliant with state EWA regulations.

Why Tapcheck?

Everything you need. Nothing you don't.

• Zero Cost to Employers: 100% free for employers with no hidden costs.
• Instant Transfers: Employees get quick access to earned wages, usually within minutes.
• No Credit Checks: Access is based on hours worked, not creditworthiness.
• Built-in Security: AES 256-bit encryption for data and strict access controls.
• Top-Rated Mobile App: 4.8 stars in the App Store and Google Play.
• Dedicated Support: Every employer gets onboarding support and ongoing account management.

Your employees are living paycheck to paycheck.

You can change that today. Book a 20-minute demo to see how Tapcheck can work for your team.