instant-pay
(5)
Tapcheck
Tapcheck is a Texas-based fintech that gives hourly and frontline workers access to wages they have already earned before their scheduled payday. Founded in 2019 by husband-and-wife team Ron and Kayling Gaver, the company connects to an employer's existing payroll and timekeeping systems through no-code integrations, then lets employees transfer up to a share of their net earned wages after each shift - to a bank account or a free Tapcheck Mastercard. The service is offered at no cost to employers and does not touch company cash flow, while employees pay a single, ATM-style fee per transfer. Tapcheck positions earned wage access as an employee benefit that reduces financial stress and improves retention.
Traba
Traba is a technology-driven marketplace that matches light industrial businesses - warehouses, distribution centers, manufacturers and event venues - with vetted temporary workers who pick up shifts through a mobile app. Founded in 2021 by Mike Shebat and Akshay Buddiga, the company uses AI, geolocation and computer vision to fill shifts fast and cut the no-shows that plague traditional staffing agencies, reporting a 99% fill rate against a roughly 46% industry average. Backed by Founders Fund, Khosla Ventures and General Catalyst, Traba has raised about $45.6M and positions itself as infrastructure for the industrial supply chain, with staffing as the starting point.
TeamBridge
TeamBridge is a San Francisco company building a composable, AI-native workforce management platform for the hourly and frontline workforce - roughly 70% of the world's workers. Founded in 2020 by former Uber product and design leaders Arjun Vora and Tito Goldstein, it hands operators 'LEGO block' modules for scheduling, onboarding, time and attendance, communication, instant pay and custom mobile apps, so companies can run staffing operations as one connected system. It raised a $28M Series B in September 2024 led by Mayfield, bringing total funding to about $41.5M.
Rain
Rain is a Santa Monica fintech that lets employees tap the wages they've already earned before payday. It plugs directly into employer payroll and time-and-attendance systems to calculate real-time earnings, then pairs instant access with budgeting tools, free tax filing, financial coaching, an AI financial assistant and a debit card. Since 2019 it has reached over 3.5 million workers and moved more than $2 billion in wages, positioning earned wage access as an employer benefit that cuts turnover and financial stress.
Clair
Clair is a New York-based embedded fintech that lets employees access wages they have already earned before payday, at no cost to their employer. Built directly into payroll and workforce-management platforms like Gusto and TriNet, Clair offers no-interest, non-recourse wage advances backed by partner bank Pathward, N.A. The company positions itself as a compliance-first alternative to payday lenders, aiming to break the traditional two-week pay cycle for America's frontline workforce.