same-day-pay
(2)
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.
Trayd
Trayd is a New York-based back-office operating system built for specialty trade contractors, unifying payroll, HR, compliance, scheduling and real-time labor tracking in one platform. It automates the hardest parts of construction pay - union rules, Davis-Bacon prevailing wages, multi-state taxes and certified payroll - cutting weekly processing from 14 hours to 27 minutes while giving workers earned wages days sooner. Founded in 2021 by Anna Berger and Cara Kessler and backed by Y Combinator, Suffolk Technologies and White Star Capital, Trayd has grown revenue 600% year over year.