Check
Check is an embedded payroll infrastructure provider that enables SaaS platforms and software companies to integrate compliant payroll functionality via API. Founded in 2019, the company serves 65+ platform partners, processing $15B+ in annual payroll across 35,000+ businesses and 1M+ employees in the United States.
- Company typePrivate
- Founded2019
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Check does
Check (Check Technologies, Inc.) is an embedded payroll infrastructure provider founded in 2019 and headquartered in New York. The company operates an API-first platform that enables SaaS platforms, vertical software providers, and workforce management companies to embed compliant payroll functionality directly into their own products, targeting customers ranging from startups to public companies. Core technology comprises Check Core (the payroll engine handling money movement, tax calculation across 6,000+ taxes in 1,000+ jurisdictions, with 99.999% operational uptime), a Configuration layer for building native partner experiences, and a library of pre-built UI Components (Run Payroll, Pay History, Tax Setup, Tax Filing Checklist) that allow partners to ship payroll surfaces in weeks rather than months. The company holds Money Transmitter Licenses in all 50 U.S. states plus DC through its wholly-owned subsidiary Check Payments LLC (NMLS #2103307), maintains SOC 2 Type II certification, and is registered with FinCEN as a Money Services Business.
Check serves a network of 65+ platform partners that collectively process over $15 billion in annual payroll volume across 35,000+ businesses and more than 1 million employees. Partner verticals span coffee shops (Dripos), restaurants (7shifts), workforce management (Homebase, Eddy), construction (Miter, Trayd), childcare (Playground), home services (Housecall Pro), and accounting (Wave). Revenue is generated through transaction-based fees on payroll processed under multi-year platform contracts, with pricing not publicly disclosed and tailored to partner volume and configuration. An expanding Benefits & More ecosystem layers health benefits (SimplyInsured, Benbase), 401k (Vestwell, Human Interest), workers comp (Next Insurance), earned wage access (Clair), and accounting (Layer, QuickBooks) integrations to drive incremental ARPU.
The company has raised approximately $119 million across four funding rounds between 2019 and 2022, with investors including Stripe, Thrive Capital, Index Ventures, Bedrock, Karman Ventures, Contrary, Mischief, and Altman Capital. Leadership is founder-led by CEO Andrew Brown and CTO Vivek Patel, with co-founder Eric Stromberg. The product roadmap has expanded beyond core payroll into AI-augmented capabilities (CheckAI for support, AI tax notice triage, variance detection) and developer tooling (MCP Server and CLI), with operations currently confined to the United States.
Check firmographics
Firmographics- Name
- Check
- Legal name
- Check Technologies, Inc.
- Website
- https://checkhq.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Check is an embedded payroll infrastructure provider that enables SaaS platforms and software companies to integrate compliant payroll functionality via API. Founded in 2019, the company serves 65+ platform partners, processing $15B+ in annual payroll across 35,000+ businesses and 1M+ employees in the United States.
- Ownership category
- akta.pro rank
Check industry classification
Industry- Product category
- Embedded Payroll Infrastructure
- NAICS
- Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Embedded Payroll, Earned Wage Access & Benefits Finance (FSAGALAI)
- akta.pro secondary industry
- Employer Payroll Processing (SMB & Enterprise) (FSAMAKAA)
Keywords
Where Check is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Check business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Embedded Payroll API Services: Check provides payroll infrastructure technology, operations, and support to platform partners who embed payroll into their products. Revenue is generated through transaction-based fees on payroll processed, with platforms paying for the technology infrastructure and compliance handling they integrate into their solutions.
- Benefits & Adjacent Product Integrations: Revenue streams from enabling platforms to offer additional products like health benefits, 401k, workers compensation, and accounting integrations, generating higher ARPU through expanded product ecosystem.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Platform/Embedded pricing model |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Check product offering
Product offeringCore offering
Check is an API-first embedded payroll infrastructure provider that enables software platforms to embed and operate payroll as a native product within their own applications. The company supplies the underlying technology (tax engine, money movement, compliance), operational support, and 24/7 expertise, while platforms handle branding and customer experience. Pricing is transaction-based and contract-driven, with revenue tied to payroll volume processed through the platform.
Product overview
Check is an embedded payroll platform for SaaS platforms and marketplaces, providing API-first infrastructure that enables partners to embed payroll capabilities into their products. The product architecture consists of Check Core (the core payroll engine handling money movement, tax calculation across 6,000+ taxes in 1,000+ jurisdictions, and 99.999% uptime), Configuration (the customization layer for building native experiences), and Components (embeddable UI primitives). Additional modules include Benefits & More (health benefits, 401k, workers comp, earned wage access, and accounting integrations), Credit & Fraud Protection (zero-liability risk coverage), Embedded Support (expert payroll support), and Embedded Setup (migration and onboarding). Check AI powers intelligent tax operations with automated notice triage and variance detection. The platform serves 65+ partners including startups to public companies, processing over $15 billion annually across 35,000+ businesses and 1 million+ employees.
Differentiator
Problem solved
Functional benefit
Products and services
- Check Core The core payroll infrastructure platform that powers money movement with 99.999% operational uptime, nationwide Money Transmitter Licensure, a tax engine processing 6,000+ taxes across 1,000+ jurisdictions, and the payroll operations backend. Designed for SaaS platforms that want to embed full-service payroll under their own brand.
- Configuration The configuration layer enabling platforms to design native payroll experiences using flexible objects, event-driven webhooks, prebuilt components, and customizable logic that supports up to 2,500 employees per company. Built for engineering teams that want to deeply integrate payroll APIs into their own products.
- Components Library of embeddable UI components and workflows (including Run Payroll, Pay History, Tax Setup, and Tax Filing Checklist) that allow platforms to ship common payroll surfaces quickly while preserving their own look and feel. Targeted at teams seeking drop-in functionality without bespoke front-end development.
- Credit & Fraud Protection Zero-responsibility credit and fraud protection covering 100% of credit and fraud losses on every payroll transaction, with proprietary risk prevention technologies, suspicious activity reporting, anomaly detection, and comprehensive risk frameworks. Targeted at platform partners that want to eliminate payroll risk exposure.
- Embedded Support Expert payroll support offering under 15 minute response time for urgent tickets, 99% CSAT, tailored enablement, and dedicated fraud and compliance teams. Provided to platform partners and their end customers as part of the embedded payroll offering.
- Embedded Setup Onboarding and migration service in which in-house experts handle end-to-end data migration and configuration so platform customers are ready to run payroll seamlessly. Targeted at partners migrating from prior payroll providers or launching payroll for the first time.
- Benefits & More Ecosystem of additional revenue-streaming products including health benefits (SimplyInsured, Benbase), 401k retirement (Vestwell, Human Interest), workers comp insurance (Next Insurance), earned wage access (Clair), and accounting integrations (Layer, QuickBooks). Enables platforms to offer a complete HRIS ecosystem alongside embedded payroll.
- Check AI AI-powered support and tax operations capability providing instant answers from Check's documentation, AI tax notice triage that classifies and routes incoming notices, and custom variance detection for tax anomalies. Built for platform operators and their payroll administrators who need real-time, context-aware troubleshooting.
Quantifiable outcome
- 1 Million+ employees paid annually on the platform
- +10 more outcomes
Companies that use Check
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles5 records
Check technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability5 records
Feature9 records
Check partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered flagship and core.
- DriposflagshipDripos embeds Check's payroll API to offer integrated payroll for coffee shops. Results include 26% ARPU increase, 50% customer signup rate for payroll, and 125% net dollar retention. Build time reduced to weeks using Check Components.
- HomebaseflagshipHomebase embeds Check's payroll for all-in-one workforce management for hourly workers. Features fraud protection and credit risk management handled by Check, allowing Homebase to focus on product development.
- EddycoreHR and payroll platform for small to medium businesses integrating Check's embedded payroll infrastructure.
- 7shiftscoreRestaurant workforce management platform embedding Check's payroll for streamlined employee onboarding and payroll processing in restaurants.
- MitercoreConstruction industry platform reducing friction with integrated payroll powered by Check, enabling contractors to manage payroll alongside project management.
- PlaygroundcoreChildcare management software platform integrating Check's payroll for comprehensive management solution including payroll for parents and administrators.
- WavecoreAccounting software for microbusiness owners (300,000+ small businesses) integrating Check's payroll to simplify payroll for freelance and microbusiness owners.
- Housecall ProcoreBusiness management platform for home service professionals embedding Check's payroll to serve field service businesses.
- SimplyInsuredcoreBenefits administration platform enabling companies to search, compare, and enroll in health benefits directly in partner platforms with automatic deduction calculations.
- LayercoreEmbedded accounting platform enabling customers to manage payroll and accounting in one place with automatic data syncing for wages, taxes, contractors, and benefits.
- QuickbookscoreAccounting software integration automatically mapping payroll data to users' chart of accounts for easy reconciliation.
- Vestwellcore401k retirement savings platform letting employers choose 401(k) plans directly on partner platforms with automatic deduction syncing.
- Human Interestcore401(k) provider offering flexible retirement programs with automatic employee contributions and employer matches handled through Check's payroll.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Check competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Check social profiles
Digital presenceCheck compliance and trust
Trust signalCompliance3 records
Check financial estimates
Financial estimateRevenue estimate
Valuation estimate
Check leadership team
Management profileNumber of profiles
Profiles9 records
Check subsidiaries and ownership
Company hierarchySubsidiaries1 record
Check funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Check M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Check
What does Check do?
Check is an API-first embedded payroll infrastructure provider that enables software platforms to embed and operate payroll as a native product within their own applications. The company supplies the underlying technology (tax engine, money movement, compliance), operational support, and 24/7 expertise, while platforms handle branding and customer experience. Pricing is transaction-based and contract-driven, with revenue tied to payroll volume processed through the platform.
Is Check a public or private company?
Check is a private company. It is classified as venture growth investor backed and is currently operating.
When was Check founded?
Check was founded in 2019. It employs 101 to 250 people.
Where is Check based?
Check is headquartered in New York, United States, in the North America region.
How does Check make money?
Two revenue lines are on record. Embedded Payroll API Services are the primary driver. The others are benefits & Adjacent Product Integrations.
Does Check have an API?
Yes. Check provides a REST API and webhooks for embedded payroll integration. The API includes setup guides, starter code, sandbox testing environment, flexible objects, and event-driven webhooks. Supports payroll primitives, audit trails, and real-time status updates. Developer documentation is at docs.checkhq.com/docs/overview.
What industry is Check in?
Check's product category is Embedded Payroll Infrastructure. Its primary akta.pro industry code is FSAGALAI, Embedded Payroll, Earned Wage Access & Benefits Finance, with a secondary code of FSAMAKAA, Employer Payroll Processing (SMB & Enterprise). Its NAICS code is 541214.