Tapcheck vs ZayZoon

The short answer

Both are free for employers and aimed at small businesses as well as larger ones. Tapcheck makes up to 70% of net pay available and charges one flat fee per transfer without publishing it; ZayZoon allows up to 50% of earnings and $200 per payout for a flat $5, with a $0 method always available.

By LeadChange Research TeamUpdated Oct 22, 2026

Tapcheck

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

Choose Tapcheck if

Your employees need more than $200 at a time: up to 70% of net pay.
Your payroll or timeclock is a smaller provider: 300+ integrations.
You want daily transfer limits you configure yourself.
You want a Tapcheck Mastercard payroll card option.

What Tapcheck costs Tapcheck alternatives

ZayZoon

Starting price: $0/employee/mo
Best for: Small businesses and franchises that want no employer cost and a quick payroll switch-on

Choose ZayZoon if

You want the employee fee in writing: $5 per payout, with a $0 method.
You need a SOC 2 Type II report.
You want missed repayments never to reach collections.
You want perks, recognition and announcements in the same app.

What ZayZoon costs ZayZoon alternatives

LeadChange Score: editorial assessment based on public information.

Scorecard

Tapcheck wins 2ZayZoon wins 2

Tapcheck vs ZayZoon by dimension
Dimension	Tapcheck	ZayZoon
CapabilitiesTapcheck documents 9 of the 11 items on our earned wage access checklist, including fee disclosure and pay stub records. ZayZoon documents 8, including no-recourse treatment. 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	9 of 11 core capabilities	8 of 11 core capabilities
IntegrationsTapcheck lists 300+ payroll and timekeeping integrations by name. ZayZoon publishes no single count; it powers UKG Wallet in UKG Ready. 300	300 native	3 documented
SecurityZayZoon holds a SOC 2 Type II report. Tapcheck names no standard on its site. Yes	None verified	SOC 2
Fit and supportZayZoon offers chat and email support. Tapcheck offers an FAQ and a contact form. Chat, email	Small businesses, enterprises	Small businesses, mid-market companies, enterprises

Key differences

Where Tapcheck and ZayZoon differ (3)
Attribute	Tapcheck	ZayZoon
Price transparency	Partly published	Published
Best for	Small businesses, enterprises	Small businesses, mid-market companies, enterprises
Support channels	Help center, contact form	Chat, email

Show 4 attributes where they are the same

Where they are the same (4)
Attribute	Tapcheck	ZayZoon
Pricing model	Free	Free
Deployment	Cloud	Cloud
Mobile apps	iOS, Android	iOS, Android
Ownership	Private	Private

Analysis by dimension

Pricing. Both are free for employers. ZayZoon publishes its fee: $5 per payout in most states, with a $0 method always available. Tapcheck charges one flat fee per transfer and does not publish it.

Capabilities. Tapcheck documents 9 of the 11 items on our earned wage access checklist, including fee disclosure and pay stub records. ZayZoon documents 8, including no-recourse treatment.

Integrations. Tapcheck lists 300+ payroll and timekeeping integrations by name. ZayZoon publishes no single count; it powers UKG Wallet in UKG Ready.

Security. ZayZoon holds a SOC 2 Type II report. Tapcheck names no standard on its site.

Fit and support. ZayZoon offers chat and email support. Tapcheck offers an FAQ and a contact form.

Neither one?

DailyPay

DailyPay has the highest LeadChange Score in Earned Wage Access after excluding these two (9.3/10).

From $0/employee/mo

More Tapcheck comparisons

More ZayZoon comparisons

Frequently asked questions

Which costs employees less, Tapcheck or ZayZoon?

ZayZoon publishes a flat $5 per payout, with a $0 method in every state. Tapcheck shows its flat fee before each transfer, cheaper for next-day, but does not publish it, so compare with its quote.

How much money can employees take with Tapcheck versus ZayZoon?

Tapcheck allows up to 70% of net pay. ZayZoon allows up to 50% of earnings, with $200 per payout and one payout a day.

Do Tapcheck and ZayZoon work with small-business payroll?

Yes. Tapcheck lists 300+ payroll and timekeeping integrations, and ZayZoon says it integrates with all major payroll processors.

Is Tapcheck or ZayZoon SOC 2 certified?

ZayZoon holds a SOC 2 Type II report. Tapcheck says it is certified for security and compliance without naming the standard.

Do Tapcheck and ZayZoon have mobile apps?

Yes. Tapcheck and ZayZoon both offer iOS and Android apps.

What else should I compare with Tapcheck and ZayZoon?

DailyPay, Payactiv, Rain, Branch and Instant Financial are the other earned wage access providers we review. Here, Tapcheck’s case is access and integrations; ZayZoon’s is a published fee and a SOC 2 report.

Who are Tapcheck’s biggest competitors?

Tapcheck ranks #3 of 5 in our earned wage access ranking. Besides ZayZoon, the highest-scored are DailyPay, Payactiv, and Rain. Every alternative, matched to the reason you might switch: Tapcheck alternatives.

Tapcheck or ZayZoon? 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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