“Can a single API company become the universal payroll infrastructure layer powering every workforce-adjacent SaaS platform in the US?”
Founded in 2019, Check set out to become the payroll infrastructure layer for SaaS platforms—essentially the 'Stripe for payroll.' Rather than building a direct-to-employer product, Check operates entirely B2B2B: platforms (HR, workforce management, vertical SaaS) white-label Check's API to offer embedded payroll to their own customers. Check obtained money transmitter licenses in all 50 states and DC to handle money movement, and expanded its product surface area from core payroll calculation and tax filing into benefits (401k, health, workers comp) and fraud/risk tooling. By 2024, it powered payroll for 35,000+ businesses across 65+ platform partners.