Tapcheck
Also a provider — view Tapcheck’s profile →“Can Tapcheck become the default earned wage access infrastructure layer embedded inside payroll and HR platforms serving hourly workers at scale?”
Founded in 2019 as a direct EWA platform for hourly workers, Tapcheck initially focused on integrating with employer payroll systems to advance wages before payday. The company expanded its card offering via the Tapcheck Mastercard and pursued a platform-embedding strategy, achieving certified Workday Marketplace integration and a Paychex PEO partnership in 2025-2026. The 2025 $200M credit facility from Victory Park Capital signals a shift toward balance-sheet-funded EWA at scale, and the launch of Tapcheck Express positions the company as embedded EWA infrastructure for payroll and HR platforms rather than just a direct-to-employer product.