EarnIn for Employers vs Tapcheck

EarnIn for Employers gives employees access to a portion of their pay before payday. EarnIn says employees can take out up to $100 per day and $750 per pay period, subject to available earnings and applicable limits. Cash Out has no interest, credit check, or mandatory fees. The service is offered to employers seeking to support recruitment, retention, and employee satisfaction, and EarnIn says it funds all cash employees access without cost or risk to the business. Employers do not need to connect HCM, payroll, timekeeping, or benefits systems, and EarnIn says the service does not change payroll processes or business operations. Employees can also use Experian-powered credit monitoring, Balance Shield low-balance alerts and automatic transfers, and Tip Yourself savings. Android and iOS apps are listed. EarnIn says it does not sell personal or employment information, and notes that its services may not be available in all states. Employers can schedule a demo to discuss their organization's needs.

Tapcheck gives employees access to some wages they have already earned before payday through an employer-linked on-demand pay service. It says up to 70% of net earnings after taxes and deductions may be available after a shift. Employees can transfer wages to a bank account, a Tapcheck Mastercard or gift cards through Prizeout. Transfers are logged and sent to payroll systems, where they appear as itemized paycheck entries. Employers connect payroll and timekeeping systems through a no-code integration; listed platforms include ADP, BambooHR and Ceridian Dayforce. The app also provides financial wellness resources such as personalized blogs and videos. Tapcheck says employers can offer it for free, while employees pay an ATM-like transfer fee, with no-fee options also listed. Employees can contact support in the app or by email. Eligibility requires working for an employer that has signed up. Tapcheck is available on Android, iOS and web, and was founded in 2019 in Plano, Texas.