Rain vs. TAPCHECK

EWA your employees can rely on

Not all Earned Wage Access is created equal. When evaluating EWA providers, it’s important to pick a provider which enables employees to stabilize, control, and grow their finances, without high cost fees or data exposure that puts employers at risk.

100% Payroll adjustments

24/7 US-based customer support

97% employer retention

<60 seconds from onboarding to first transaction

No SSN required. Zero security breaches.

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Trusted by industry-leading companies to increase employee loyalty

How Rain and Tapcheck actually compare

Rain

The leading financial health platform

Tapcheck

EWA Provider

Payroll model

Payroll deduction model.

Access amount

Up to 50% of gross earned wages per pay period to prevent zero dollar pay days. No daily limit to incentivize employees to pick up extra shifts.

Up to 70% of net wages. $200 daily maximum. Employer-defined caps may reduce this further.

Transfer fees

Instant transfer for a small fee. ACH to any bank account: free.

Instant transfer for a small fee. Next-day ACH: $1.99. No free transfer option.

PII requirements

6 required data fields. No Social Security number required. No date of birth required.

Requires Social Security number, total earnings, tax information, and W-4 data at enrollment.

Repayment shortfall process

Rain assumes repayment risk. If a deduction cannot be fully collected, Rain manages resolution without employer involvement.

If payroll cannot withhold the full advance amount, the employer is responsible for remitting the full advance amount to Tapcheck and managing subsequent reconciliation and recovery from the employee.

Financial health platform

AI Financial Health Agent combines real-time earnings and financial data to stabilize cash flow, reduce expenses, and build long-term financial resilience. Includes savings, credit building, and financial coaching tools.

Financial education library of articles and blog content covering budgeting and financial wellness topics. Budgeting calculator and spending goal tools available in-app.

Support model

24/7 US-based support. Sub-30 second response time across all channels. 71 Customer Support NPS.

Support model not publicly specified.

Healthcare data considerations

Collects only 6 required fields. No SSN. Architecture designed to minimize PII ingestion from employer systems.

API ingests extensive employer data fields, which in healthcare environments has resulted in incidental exposure of sensitive patient information. Organizations with HIPAA obligations should validate data handling with Tapcheck directly.

Tapcheck fee structure sourced from Tapcheck's End User License Agreement. PII requirements sourced from Tapcheck's Privacy Policy. Repayment shortfall process sourced from Tapcheck employer partner.

A benefit your whole workforce can use

Data Requirements

Data-minimalistic by design.

Before employees enroll, Tapcheck’s API requires employers to share extensive sensitive data, and can inadvertently ingest sensitive patient information, creating HIPAA compliance risks.

Rain operates on a data-minimalistic model, collecting only the minimum data needed to power the Rain program. Rain does not collect sensitive personal data like DOB or SSN.

Cost of EWA

Responsible limits, free transfers.

Tapcheck encourages heavy use with a $200 daily cap, no free ACH, and high fees, removing incentives to pick up shifts and driving expensive repeat transactions.

With Rain, employees get free ACH transfers with a 50% gross earnings cap to prevent poor spending habits while incentivizing extra shifts, creating a direct incentive tied to effort.

Financial Health Tools

Rain. The first AI financial health platform.

With Tapcheck, employees won’t get personalized financial guidance, no proactive tools, and the product is not designed to help employees build long-term financial resilience.

Rain spans the full financial journey. The AI Financial Health Agent anticipates cash flow gaps, optimizes spending, and builds long-term financial resilience.

“Life does not always line up perfectly with a paycheck schedule, and this app makes it possible to access the money I have already earned without waiting until payday.”

- Employee using Rain’s benefits (Google Play Store Review)

Make earned wage access work the way it should

Reliable technology. Exceptional support. Unmatched security.

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FAQs

Find answers to your questions about Rain and Tapcheck right here.

Will I lose control over payroll if I implement Rain?

No. With Rain, you stay fully in control. Following each pay cycle, Rain delivers EWA adjustments that import directly into your payroll system. You run payroll normally with wages, taxes, and deductions - including wages accessed early. Rain deduction code is of the lowest priority, after taxes, 401k, and other withholdings. You then reimburse Rain for the total deducted amounts.

We don’t hold funds, reroute pay, or change employee deposit accounts.

How long does it take to implement Rain?

Most employers are up and running in less than 45 days. We support API integration or File exchange protocols with all major HCM, Payroll and Timekeeping providers.

Do employees need to switch bank accounts or use a Rain card?

No. Employees can use their existing bank accounts. We never require them to sign up for a new card or move their direct deposit to access their money.

How does Rain make money if it’s free for employers?

Rain charges employees a small flat fee for instant transfers (or offers free next-day ACH). There are no hidden fees, tipping models, or account traps. Employees only pay if and when they use the service.

What happens if an employee leaves before the accessed wages are repaid?

Nothing. Rain’s accessed wages are non-recourse. If an employee leaves before repayment, neither you nor the employee is on the hook. There’s no debt collection, and no liability for your company.

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