USA Payroll users can now offer on-demand pay - at no cost | TapCheck Partner
USA Payroll users can now offer on-demand pay — at no cost
Tapcheck connects directly with USA Payroll 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 USA Payroll + Tapcheck integration live in 20 minutes.
One-time setup takes less than 30 minutes with your dedicated onboarding specialist.
Seamless setup
Because Tapcheck integrates directly with USA Payroll, 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.
Real-time earnings calculation
Tapcheck continuously calculates how much employees have earned based on your payroll or timeclock data — updating every day.
Employees request what they need
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.
Free for employers, fair for employees
Tapcheck charges a small per-transfer fee to employees — similar to an ATM fee. There are no interest charges, no credit checks, and no debt created.
Frequently Asked Questions
How does Tapcheck integrate with USA Payroll?
Tapcheck connects directly to your USA Payroll 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 — no manual exports, no separate bank accounts.
Does this cost my company anything?
No. Tapcheck is completely free for employers. Employees pay a small flat fee per transfer — similar to an ATM fee — to access their wages early. There are no interest charges, subscriptions, or hidden costs passed to the employer.
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 and reconcile at your regular payroll run. Your USA Payroll workflow stays exactly the same.
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 — not your business. Your exposure is zero.
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 state licenses.
On-demand pay: the benefit employees actually want
Earned Wage Access (EWA) gives employees financial freedom. It provides safe and easy access to wages they've already earned before payday arrives — no interest, no debt spirals. Just their own money, when they need it.
Tapcheck in numbers
Real impact. Proven results.
- 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
Everything you need. Nothing you don't.
Zero Cost to Employers
Tapcheck is 100% free to offer as an employer. No setup fees, no monthly costs, no hidden charges.
Instant Transfers
Employees can request instant access to earned wages, usually delivered within minutes.
Top-Rated Mobile App
4.8 stars in the App Store and Google Play. Employees love the clean, intuitive experience — and that's reflected in adoption rates.
Your employees are living paycheck to paycheck.
You can change that today.
Learn more about how Tapcheck can work for your team.