DailyPay vs Tapcheck

The short answer

Both are free for employers. DailyPay employees transfer up to 100% of the available balance and pay a flat $3.49 for instant transfers; Tapcheck makes up to 70% of net pay available and charges one flat fee per transfer, shown before the employee confirms, without publishing the amount.

By LeadChange Research TeamUpdated Oct 22, 2026

DailyPay

Starting price: $0/employee/mo
Best for: Employers on Workday, ADP or UKG that want earned wage access without changing payroll

Choose DailyPay if

You want the employee fee in writing: $3.49 per instant transfer, free in 1-3 business days.
You need stated SOC 2 Type II and ISO 27001.
Your employees need access to more than 70% of their pay.
You run Workday and want a native feature.

DailyPay plans and prices DailyPay alternatives

Tapcheck

Starting price: $0/employee/mo
Best for: Small and multi-location employers, including franchises, on mainstream payroll systems

Choose Tapcheck if

You run a small or franchise payroll that may not be on a short integration list: 300+ systems.
You want balances calculated from net pay with daily transfer limits you configure.
You want separate free Small Business and Enterprise plans.
You want the fee shown to employees before every transfer.

What Tapcheck costs Tapcheck competitors

LeadChange Score: editorial assessment based on public information.

Scorecard

DailyPay wins 1Tapcheck wins 2

DailyPay vs Tapcheck by dimension
Dimension	DailyPay	Tapcheck
CapabilitiesTapcheck documents 9 of the 11 items on our earned wage access checklist, including fee disclosure and configurable limits. DailyPay documents 6. Up to 70% of net pay available after each shift, Configurable daily transfer limits, Transfers itemized on the pay stub, Balances calculated from net pay after taxes and deductions, Fee waived for transfers to gift cards through Prizeout	6 of 11 core capabilities	9 of 11 core capabilities
IntegrationsTapcheck lists 300+ payroll and timekeeping integrations, including ADP, Paychex, Paylocity and 7shifts. DailyPay connects to over 180, including ADP, Workday and UKG. 300	180 native	300 native
SecurityDailyPay states PCI DSS, SOC 2 Type II and ISO 27001. Tapcheck mentions security certification without naming a standard. Yes	SOC 2, ISO 27001	None verified

Key differences

Where DailyPay and Tapcheck differ (4)
Attribute	DailyPay	Tapcheck
Price transparency	Published	Partly published
Native integrations	180	300
Support channels	Email, phone, live chat, help center	Help center, contact form
Headquarters	New York, New York	Plano, Texas

Show 5 attributes where they are the same

Where they are the same (5)
Attribute	DailyPay	Tapcheck
Pricing model	Free	Free
Best for	Small businesses, enterprises	Small businesses, enterprises
Deployment	Cloud	Cloud
Mobile apps	iOS, Android	iOS, Android
Ownership	Private	Private

Analysis by dimension

Pricing. Both are free for employers. DailyPay publishes its employee fee: $3.49 per instant transfer, free in 1-3 business days. Tapcheck charges one flat fee per transfer, lower for next-day, without publishing the amount.

Capabilities. Tapcheck documents 9 of the 11 items on our earned wage access checklist, including fee disclosure and configurable limits. DailyPay documents 6.

Integrations. Tapcheck lists 300+ payroll and timekeeping integrations, including ADP, Paychex, Paylocity and 7shifts. DailyPay connects to over 180, including ADP, Workday and UKG.

Security. DailyPay states PCI DSS, SOC 2 Type II and ISO 27001. Tapcheck mentions security certification without naming a standard.

Fit and support. DailyPay supports employees by email, phone and live chat. Tapcheck offers an FAQ and a contact form.

Neither one?

Payactiv

Payactiv has the highest LeadChange Score in Earned Wage Access after excluding these two (8.7/10).

From $0/employee/mo

More DailyPay comparisons

More Tapcheck comparisons

Frequently asked questions

Does Tapcheck cost more than DailyPay for employees?

Tapcheck does not publish its flat transfer fee, so the two cannot be priced side by side; it shows the fee before each transfer and charges less for next-day. DailyPay charges $3.49 per instant transfer and nothing for 1-3 business days.

How much pay can employees access with DailyPay or Tapcheck?

Tapcheck makes up to 70% of net earnings available after each shift. DailyPay allows up to 100% of the available balance, up to $1,000 a day.

Which integrates with more payroll systems, DailyPay or Tapcheck?

Tapcheck lists 300+ payroll and timekeeping integrations; DailyPay over 180.

Is DailyPay or Tapcheck better documented on security?

DailyPay names PCI DSS, SOC 2 Type II and ISO 27001. Tapcheck’s site says it is certified for security and compliance but names no standard, so ask for its report.

Are DailyPay and Tapcheck free for small businesses?

Yes. Tapcheck has a free Small Business plan, and DailyPay offers a self-serve solution for small businesses at no cost to the employer.

What are the alternatives to DailyPay and Tapcheck?

Payactiv, ZayZoon, Rain, Branch and Instant Financial are the other earned wage access providers we review. Here, DailyPay’s edge is a published fee and stated security; Tapcheck’s is integration breadth.

DailyPay or Tapcheck? Your answer in 3 questions

Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices. Then, if you like, ask to hear from both.

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