Check Technologies, Inc.
UnclaimedCheck provides embedded payroll infrastructure that lets software platforms embed and scale payroll for their customers.
Overview
Check Technologies, Inc. provides embedded payroll infrastructure and APIs that enable software platforms to build and offer payroll products to their customers. Check supplies the technology, operations, and support needed to scale payroll with ease. Its platform enables tax calculation and filing, real-time payments, benefits administration, workers’ compensation, and retirement options within partner products, while emphasizing security, compliance, risk management, and fraud protection. With a developer-friendly API, reusable UI components, onboarding tooling, and partner enablement, Check supports platforms ranging from startups to large software providers as they embed payroll, accelerate time-to-market, and expand monetization potential.
Mission statement
Our mission is to empower platform partners to build, scale, and monetize payroll by delivering secure, compliant embedded payroll infrastructure, enablement, and fraud/risk protection.
What we offer
Check Platform
Empower platforms with embedded payroll processing and compliance features.
www.checkhq.com/platform/payrollPayroll UI Components
Accelerate payroll integration with custom UI components for a fast and compliant user experience.
www.checkhq.com/platform/payroll/componentsCheckmate
Empower payroll platforms with an intelligent AI assistant for enhanced support and automation.
www.checkhq.com/resources/changelog/introducing-checkmateMarket segments
Market size by segment
Growth potential (CAGR)
Embedded payroll and partner integrations
APIs, white‑labeling and embedding capabilities that let partners integrate payroll, hiring and compliance into their platforms and rebrand worker experiences.
Products: Check Platform
Embeddable payroll UI
Prebuilt, brandable user interface components and guided flows for onboarding, run payroll workflows, tax setup, and pay history to accelerate embedding payroll in partner applications.
Products: Payroll UI Components
Payroll automation and virtual assistant
AI-driven assistants and automation that access payroll data, reason through complex payroll questions, and perform or suggest actions to improve support and operational efficiency.
Products: Checkmate
More information about our offering
Check Platform
Check Platform is an embedded payroll platform that enables software platforms to embed payroll via Check's infrastructure and API. It provides payroll processing, tax calculation and filing, money movement, and related benefits and compliance features within partner apps. The platform offers a configurable core, onboarding tooling, and a security and regulatory framework to scale payroll from startups to enterprises. It supports migration and onboarding with Embedded Setup, risk and fraud protections, and a broad partner ecosystem for benefits, accounting, and HRIS integrations.
- Leverage Powerful Payroll InfrastructureUtilize Check's scalable infrastructure to embed payroll efficiently, reducing time-to-market and enhancing user experience.
- Maintain Regulatory ComplianceAdhere to rigorous security standards and regulatory requirements, ensuring customer trust and safety.
- Automate Complex CalculationsReduce manual effort and potential errors with a built-in engine that handles intricate tax calculations seamlessly.
- Ensure Payroll Security And ComplianceImplement advanced fraud monitoring tools and risk management strategies to protect your payroll operations.
- Streamline Customer OnboardingFacilitate smooth customer transitions to payroll with optimized onboarding solutions tailored to different needs.
- Integrate With Benefits, Accounting, And HRISExpand your platform’s capabilities by seamlessly connecting with valuable ecosystem partners for enhanced payroll functionality.
- Automate Payroll Tax ProcessesSimplify payroll tax management with automated calculations and filing, ensuring compliance is efficient and accurate.
Payroll UI Components
Payroll UI Components is a library of embeddable, pixel-perfect UI elements that let you build or extend a payroll product inside your platform. The components are designed for brandable, drop-in integration, with sample components and guided flows to accelerate development. They include ready-made payroll workflows that adapt to a range of earnings types and jurisdictions, and they are maintained with ongoing updates to ensure compliance and usability.
- Ensure High-Quality UIAchieve a consistent and visually appealing user interface that matches your brand, improving user adoption and satisfaction.
- Simplify Payroll ExecutionEnable quick payroll processing with a user-friendly interface that supports various earning types and facilitates immediate approval.
- Protect User DataImplement high-level security measures to protect sensitive payroll information, ensuring user confidence.
- Quickly Customize and DeployEasily adapt UI components to fit your brand and business needs, reducing time to market.
- Facilitate Accurate Tax SetupEnsure correct tax configurations with location-specific validation, minimizing errors in regulatory compliance.
- Streamline Pay History ReviewProvide users a self-service tool that simplifies the verification and management of past payroll entries, enhancing operational efficiency.
- Enhance Customer OnboardingStreamline the onboarding process for new payroll users, ensuring a smooth transition with minimal friction.
Checkmate
Checkmate is an AI assistant built on in-house AI foundations that runs directly on the Check API. It can access your data, perform actions, and reason through complex payroll questions, enabling smarter support and automation within the payroll platform.
- Reason Through Complex QuestionsCheckmate can analyze complex payroll issues and provide accurate explanations or solutions.
- Access Data And Perform ActionsEnsures seamless interactions with payroll data and lets partners initiate actions directly through Checkmate.
- Update Resources With PromptsAllows users to modify resources effectively with direct confirmation of changes.
- Free Beta Access For PartnersEncourages partner experimentation and feedback during the initial rollout phase.
Sources
Methodology and sourcing behind the figures and links shown above.
Embedded payroll and partner integrations
Primary anchor: Bain’s embedded‑finance estimate for US platforms/enablers (2021 revenue $22B → $51B by 2026, ~18% CAGR). Embedded payroll / partner integrations are an adjacent, smaller slice of embedded finance; assuming a roughly 10–15% share of platforms/enablers revenue implies a current US market on the order of $2–3.5B, so I estimate ~$3.0B. Growth potential uses Bain’s implied platforms/enablers CAGR (~18%) as a baseline for embedded payroll given accelerating adoption by vertical SaaS; note traditional payroll‑outsourcing forecasts (~4.4% CAGR) reflect legacy outsourcing, not embedded integrations, so embedded payroll is expected to grow materially faster.
Embeddable payroll UI
Used Zion Market Research’s cloud-based payroll software market (USD 9.49B in 2023; 9.9% CAGR) as the primary quantitative anchor. Embeddable payroll UI is a subset of cloud payroll (prebuilt, brandable front-ends for platform embedding). I conservatively assume embeddable UIs represent ~15% of the cloud payroll software market (platforms, vertical SaaS adoption, and embedded finance trends in the search results support faster uptake). Applying 15% to the 2023 cloud payroll market yields an estimated ~USD 1.4B addressable market in 2023. Growth potential is estimated modestly above the core cloud-payroll CAGR (9.9%) because embedded offerings benefit from accelerating platform adoption and embed-first vendor momentum; therefore estimated CAGR ≈ 12%.
Payroll automation and virtual assistant
Estimate uses HR payroll management software as the parent market (USD 10.10B in 2026) and virtual/digital assistant market growth benchmarks. Assuming AI-driven payroll assistants are an emerging subset (roughly 10–15% of payroll software spend in early adoption), the payroll automation & virtual assistant segment is estimated at about $1.2B. Growth potential is higher than core payroll software given rapid AI adoption; blended benchmarks (digital assistant CAGR ~23.3%, virtual assistant CAGR ~12.1%, payroll software CAGR ~11.4%) support an estimated CAGR of ~20%.
- Check Technologies, Inc.
- Check Platform
- Payroll UI Components
- Checkmate
- we estimate the 2021 US market for platforms and enablers at $22 billion ... more than double to $51 billion by 2026
- Estimated CAGR 4.4% from 2026-2033
- insurers tap into a growing market projected to reach $482.8 billion by 2032
- Market Size in 2023 USD 9.49 Billion; Market Forecast in 2032 USD 22.19 Billion; CAGR 9.9% (base year 2023)
- HR payroll management software market is estimated to be valued at USD 10.10 Bn in 2026
- Market Size in 2025 USD 80.1 billion ... CAGR 23.3% (2025–2030)
- Virtual Executive Assistant market was valued at $3.68 billion in 2025 and is projected to reach $10.29 billion by 2034, CAGR 12.10%
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