Tapcheck Earned Wage Access for RUN Powered by ADP®
On-demand pay and financial wellness
Contact Us Try the Free Edition
Tapcheck Earned Wage Access for RUN Powered by ADP®
Try the Free Edition

Tapcheck Earned Wage Access for RUN Powered by ADP®

On-demand pay and financial wellness
Contact Us Try the Free Edition

Improve Employee well-being and Business Performance with On-Demand Pay

Tapcheck offers the highest precision Earned Wage Access (EWA) solution that seamlessly integrates with RUN Powered by ADP®. Our precision comes as a result of using more data from ADP and the 100+ third-party time and labor management platforms with which we integrate. This enables faster EWA payments with higher withdrawal limits, lifting employee participation and driving impact for your business. The best... Read more
Tapcheck offers the highest precision Earned Wage Access (EWA) solution that seamlessly integrates with RUN Powered by ADP®. Our precision comes as a result of using more data from ADP and the 100+ third-party time and labor management platforms with which we integrate. This enables faster EWA payments with higher withdrawal limits, lifting employee participation and driving impact for your business. The best part: Tapcheck is available at no cost or risk for employers to implement. As an ADP Platinum Partner, Tapcheck is the obvious choice for ADP customers such as McDonald’s, who understand that to increase business revenue, they first need to meet today's workforce demands for paycheck control and flexibility. Read less

Features and Benefits

Free for Employers

Tapcheck is offered at no cost and is risk-free for employers to pilot and implement. We fund all early wage withdrawals so there are no changes to cash flow. In addition, our deep integrations avoid changes to your processes and additional burdens for your staff. This app is for current-version ADP RUN customers who are ready to initiate the bi-directional data exchange with Tapcheck. Learn more about Tapcheck’s services and solutions by visiting the Tapcheck On-Demand Pay Benefit listing.

Free Options for Employees

Free earned wage access (EWA) transfer options may be available to employees who use the optional Tapcheck Mastercard. Employees can also choose to transfer funds to a third-party account for a nominal fee.

Better Employee Adoption because of High Precision Payouts

Our payroll and time and labor management integrations use more data to calculate a precise accrued net wage amount from which EWA withdrawal limits are based. This provides more accuracy than platforms that use gross wage estimates or algorithms instead of time data. As a result, Tapcheck has improved balance availability, higher withdrawal balances, lower effective fees, lower probability of overdraft, and equal accessibility for new and tenured employees. These collectively drive employee adoption that is often twice the industry average of 10%-15%—and better adoption equates to better business impact!

Strengthen Employee well-being, Morale, and Productivity

When employees can access their wages early and as needed, they gain greater financial stability, resulting in increased productivity, higher attendance, better engagement, and overall job satisfaction. Research from the Georgetown Journal reports that 89% of EWA users feel more productive at work and 74% had fewer unplanned absences. Offering Tapcheck as an on-demand pay benefit reduces employee stress by helping them cover financial needs while avoiding overdraft fees, high-interest loans, and predatory payday loans.

Improve Recruiting

How well is your company positioned to attract young talent? According to ADP’s study, 76% of all employees say it’s important for their employer to offer on-demand pay and 75% of millennials say that availability of EWA would influence their acceptance of a job offer. Nearly all employers (96%) that offer earned wage access as an employee benefit, report it helping to attract talent.

Increase Retention, Reduce HR Costs, and Boost Business Profitability

Employees are willing to leave a job for one that offers EWA. Visa’s research shows that 79% of employees are more willing to switch to an employer that already offers on-demand pay, and 89% would work longer for a company that has EWA. ADP’s study states that 93% of employers credit EWA with helping to retain employees. By giving employees 24/7 access to their earnings, employers can improve retention, avoid the high cost of replacing staff members, and strengthen overall business profitability.

Comprehensive Financial Wellness

Tapcheck is more than a high-precision EWA solution, but a full-service financial wellness platform that offers free financial tools and education to employees, the option to use our convenient payroll card program, and ability for employers to make off-cycle pay disbursements.

High Precision Earned Wage Access Payouts

What sets Tapcheck apart from other solutions is that we use more data from RUN Powered by ADP® and over 100 third-party time and labor management systems with which we integrate. This allows us to provide improved balance availability, higher withdrawal amounts, lower probability of overdraft, and equal accessibility for new and tenured employees. With our precise EWA calculations, employees can take larger withdrawals for the same flat transfer fee, equating to lower effective fees versus other platforms.

* This gives a simple, reliable, and user-friendly experience for employers and employees alike and drives the highest employee adoption and business impact.

*Relevant only when EWA transfers fees apply; not applicable to free transfers.

Payroll-based Recovery

The total amount an employee transfers in a pay period will be automatically deducted from their next paycheck via a payroll-based deduction. Employees can see this deduction on their pay stub and in the Tapcheck app, while employers can view it in ADP's payroll register and the Tapcheck admin dashboard. This creates a clear reconciliation process compared to other solutions that recover funds outside of payroll, which often creates confusion and perceived inaccuracies for both employees and employers.

Disburse Money Outside of Normal Pay Cycles

Tapcheck offers a simple, quick, flexible, and cost-effective way for employers to disburse payments to employees outside of normal pay cycles. The most common examples of disbursements are final paychecks, spot bonuses, tips, and payroll corrections.
With Tapcheck’s payment Disbursements feature, employers can:

Tapcheck Mastercard​® Payroll Card Options

Our optional Tapcheck Mastercards are designed to meet the needs of underserved employees, providing them with a reliable payment solution and free alternative to the traditional banking system. Tapcheck Mastercards can be issued to employees before they show up in payroll, allowing for quick enablement of direct deposits during employee onboarding. You can request a stack of payroll cards to hand out to any employee during onboarding, or your employees (18 years of age or older) can easily apply online for our advanced card that they can load cash to themselves —no credit checks, overdraft fees, or bank account required!

Employee’s Choice in Payout Account

Tapcheck has a flexible and employee-centric payout system, where we prioritize individual preferences and do not force the use of a specific payout account. Employees can choose to send their direct deposits and EWA transfers to their:

Financial Wellness Tools

Financially healthy employees help strengthen your company’s bottom line. That’s why it’s our top priority to provide the financial education and wellness tools your employees need to reduce money stress and gain financial control. Using our free resources, employees can learn more effective ways to budget, save, and increase their credit score.

Security and Privacy

Tapcheck is SOC 2 compliant and adopts appropriate data collection, storage and processing practices, encryption, and other security measures to protect your sensitive information transmitted both online and offline. The computers/servers on which we store personally identifiable information are kept in a secure environment.

ADP Marketplace Platinum Partner

Tapcheck has achieved the highest recognition as an ADP Marketplace Platinum Partner, providing Earned Wage Access and Financial Wellness solutions tailored for midsize and enterprise businesses. We are committed to making a difference in the lives of our customers through our exceptional technology and customer service.
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