Public company, workplace, funding, and market signals
Updated Aug 16, 2026
Tapcheck is a U.S. fintech and employee-benefits company providing payroll-integrated earned wage access (EWA). Its platform lets employees access a portion of wages they have already earned before the normal payday, while employers retain control of payroll and pay nothing to offer the benefit.
Primary product
Tapcheck Earned Wage Access: a payroll- and timekeeping-integrated platform with real-time net-pay calculations, employee transfers, payroll-based recovery, financial-wellness tools, and Tapcheck Mastercard options.
Founded
2019
Headquarters
Plano, Texas, United States — 5850 Granite Parkway, Suite 1000, Plano, TX 75024
Team size
100-200
Work style
Flexible
Industry
Financial services
Sub-industry
Fintech; earned wage access; employee benefits; payroll and HR technology
Offices
Business model
Stage
Growth-stage, privately held; latest financing included a Series A extension and venture debt
Total raised
$268M
Latest round
Combined Series A extension and credit facility · Apr 2025
Latest amount
$225M
Apr 2025 · PeakSpan Capital
Credit facility / venture debt
Apr 2025 · Victory Park Capital
Apr 2023
FIS Fintech Accelerator / incubator financing
Aug 2022 · FIS Impact Ventures / FIS Fintech Accelerator
Jun 2022 · PeakSpan Capital
Leadership
Co-Founder and Chief Executive Officer
Kayling Gaver
Co-Founder and Chief Operating Officer
Alex Gostomelsky
Chief Financial Officer
Tommy Tate
VP of Product
Ryan Howe
General Counsel
Vice President of Sales
The company describes its culture as collaborative, entrepreneurial, mission-driven, employee-focused, and oriented around financial wellness. Careers materials emphasize empowerment, inclusion initiatives, employee engagement, customer success, and cross-functional teamwork. Public job postings indicate remote-work options, although the precise policy may vary by role.
Work style
Flexible
Compensation
Public job listings reference competitive base compensation, performance bonuses, and a benefits package. Specific salary bands and equity details were not consistently publicly disclosed.
Benefits
Pricing
Employers pay no setup, subscription, or per-employee fee. Employees generally pay a clearly disclosed flat or ATM-like fee when transferring wages early; free transfer options and Mastercard-related options may also be available depending on the product and transaction.
Differentiators
Technology
Customers
Competitors
Estimated revenue
Approximately $20 million-$55 million annually based on conflicting third-party estimates, including GetLatka's $21.9 million 2023 estimate and Growjo's $55.1 million current estimate. No audited revenue figure was found.
Estimated monthly visits
403.5K
Traffic estimate as of Jun 2026
Tapcheck operates in a changing earned-wage-access regulatory environment. Coverage of its 2025 financing noted continuing state-level regulation and uncertainty around whether some EWA products may be treated as credit or lending products under federal or state rules.
SourcePayments Dive reported that the CFPB had rescinded a 2020 advisory opinion and had not yet resolved the status of a later interpretive rule affecting EWA providers, creating ongoing compliance uncertainty for the sector.
SourceThe latest financing includes a $200 million credit facility. This supports wage advances and growth but creates financing, liquidity, and credit-exposure considerations typical of provider-funded EWA models.
SourceThird-party company data indicates approximately 140 employees and a year-over-year employee decline of about 12%; this is not corroborated by a company announcement and should be treated as an unverified workforce signal rather than a confirmed layoff.
SourceBusiness Wire · Jun 2025
Tapcheck announced Workday Certified Integration status, expanding its embedded EWA distribution through Workday HCM, Time Tracking, and Payroll.
Payments Dive · Jun 2025
Payments Dive reported on Tapcheck's Workday integration strategy, its Viventium partnership, stated profitability, market expansion plans, and the regulatory uncertainty facing EWA providers.
Business Wire · Apr 2025
Tapcheck announced an embedded partnership with healthcare payroll and HR platform Viventium, allowing Viventium clients to activate Tapcheck within their existing payroll workflow.
Tapcheck · Apr 2025
Tapcheck announced a $25 million Series A extension led by PeakSpan Capital and a $200 million credit facility from Victory Park Capital. The company said the capital would support product development, its Mastercard offering, AI capabilities, and broader access to earned wage access.
SiliconANGLE · Apr 2025
The article covered Tapcheck's financing, provider-funded model, nearly 300 payroll integrations, more than $1 billion in early wage payments, and customers including Hilton, Planet Fitness, Taco Bell, Jiffy Lube, and McDonald's.
12 jobs at Tapcheck