Tapcheck is a private financial wellness platform focused on earned wage access, letting employees access wages they have already earned before payday.[2][3] It integrates with employer payroll systems and is positioned as a low-friction benefit for employers and workers.[2][3]
Access to pre-IPO shares is available to accredited investors through UpMarket.
Tapcheck shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
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Tapcheck announced a $225 million package that includes a $25 million Series A extension and a $200 million credit facility. The company said the capital will scale its real-time wage access platform, strengthen infrastructure, and expand across the U.S.
Tapcheck said the new funding is aimed at expanding on-demand pay access to millions of new workers. PeakSpan Capital described the company as attacking an enormous market opportunity in employee financial wellness and early wage access for hourly workers.
Tapcheck says earned wage access is a proven employee retention strategy that can reduce turnover and improve employee experience. The product is marketed as a financial wellness benefit that lets employees access wages before payday.
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No. As of March 2026, Tapcheck is a private company and does not trade on any public stock exchange. Accredited investors can access Tapcheck shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Tapcheck does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Tapcheck shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered alternative investments since 2019.
Pre-IPO investments carry significant risks. Tapcheck shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Tapcheck provides an earned wage access financial wellness platform for employees and raised $225 million in combined equity and debt financing to expand its real-time pay platform — accredited investors can access Tapcheck stock through UpMarket.