# 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.

- **Founded:** 2019
- **Headquarters:** Plano, Texas, United States
- **Founders:** Ron Gaver (Co-Founder & CEO), Kayling Gaver (Co-Founder & COO)
- **Team size:** ~150-200 employees
- **Products:** Earned Wage Access (On-Demand Pay), Tapcheck Mastercard, Payroll & Timekeeping Integrations, Employer Portal, Off-Cycle & Instant Payments
- **Notable:** Facilitated over $1 billion in early wage funding in about five years, Serves roughly 12,000 employer locations, Serves about 112,000 McDonald's employees with $160M+ in advance wages

## Products & services

- **Earned Wage Access (On-Demand Pay)** — Lets employees transfer a portion of their net earned wages after a shift, deposited to a bank account or the Tapcheck Mastercard. Free for employers to offer; employees pay a single per-transfer fee.
- **Tapcheck Mastercard** — A free debit card employees can load their earned wages onto for instant access without a traditional bank account.
- **Payroll & Timekeeping Integrations** — No-code and API integrations with nearly 300 payroll and time-and-labor systems, including ADP, Paychex, Paycor, UKG and Workday.
- **Employer Portal** — Dashboard for employers to manage the EWA program, set responsible-use guardrails, and track usage and adoption metrics.
- **Off-Cycle & Instant Payments** — Lets employers instantly send secure payments for bonuses, tips, final paychecks and corrections outside the normal payroll run.
- **Tappy AI Assistant** — Built-in 24/7 AI chatbot that answers employee pay and support questions inside the app.
- **Financial Wellness Tools** — Free budgeting content, videos, wellness checks and educational resources to help employees save and reduce debt.

## Achievements

- Facilitated over $1 billion in early wage funding in about five years
- Serves roughly 12,000 employer locations
- Serves about 112,000 McDonald's employees with $160M+ in advance wages
- Raised $225M in combined equity and debt financing in 2025
- Integrates with nearly 300 payroll and timekeeping systems
- Employers report 50%+ improvement in employee retention; 70% of users report reduced financial stress
- Named a Workday Innovation Partner

## Latest updates

- **2026-04** — Announced a partnership with Paychex to deliver an embedded on-demand pay solution for worksite employees.
- **2025-04** — Raised $225M in combined funding - a $25M Series A extension led by PeakSpan Capital plus a $200M credit facility from Victory Park Capital.
- **2024** — Launched Tappy, a built-in 24/7 AI support assistant inside the Tapcheck app.
- **2022-06** — Closed a $20M Series A round led by PeakSpan Capital.

## Links

- Website: https://tapcheck.com
- LinkedIn: https://www.linkedin.com/company/tapcheckinc
- Twitter/X: https://twitter.com/tapcheckinc
- Facebook: https://www.facebook.com/tapcheckinc/

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Profile page: https://yespress.io/tapcheck
Published by YesPress — https://yespress.io
Last updated: 2026-07-17