DailyPay9.3/10
Tapcheck8.0/10
Scored in Earned Wage Access
The short answer
Both are free for employers. DailyPay employees transfer up to 100% of the available balance and pay a contract-set instant fee listed at $3.49; 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.
LeadChange Score: editorial assessment based on public information.
DailyPay wins 1Tapcheck wins 2
| 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 Prizeout3 | 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+3 | 4 documented (vendor says 180) | 15 documented (vendor says 300+) |
| SecurityDailyPay states PCI DSS, SOC 2 Type II and ISO 27001. Tapcheck mentions security certification without naming a standard. Yes4 | SOC 2, ISO 27001 | None verified |
Pricing. Both are free for employers. DailyPay publishes its employee fee: $3.49 per instant transfer, set in the employer's contract, and no fee for transfers 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.
Payactiv has the highest LeadChange Score in Earned Wage Access after excluding these two (8.7/10).
From $0/employee/mo12
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 lists $3.49 per instant transfer, set by each employer’s contract, and nothing for 1-3 business days.
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.
Tapcheck lists 300+ payroll and timekeeping integrations; DailyPay over 180.
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.
Yes. Tapcheck has a free Small Business plan, and DailyPay offers a self-serve solution for small businesses at no cost to the employer.
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.
27 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 22, 2026.
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Not reviewed yet by our independent reviewer. How we review
We have not tested either product hands-on: this page uses public information only.
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The 12 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.
What the LeadChange Score means
A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
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