Payroll by Card is a payroll app that allows businesses to fund payroll costs from their credit cards and transfer funds to connected business accounts for payroll processing. Payouts are made via ACH or wire transfers without requiring changes to existing payroll systems.

Key features include credit card payroll funding that enables instant transfers to business accounts, earning cashback and rewards on every payroll transaction, and extended payment windows of 30-45 days for better cash flow control. The app offers easy integration with accounting platforms like QuickBooks, Xero, Zoho, and Bill.com, along with mobile payroll capabilities for running payroll anywhere.

The process involves connecting a business credit card, importing payroll data from accounting software, selecting the payment method (ACH or wire), and approving payments. This approach provides emergency payroll funding during cash shortages while maintaining employee satisfaction.

Benefits include solving cash flow challenges by bridging temporary shortages, maximizing business credit card rewards through strategic payroll funding, and maintaining financial flexibility. Processing fees are tax-deductible, and cashback rewards help offset costs.

The app targets small businesses including startups, entrepreneurs, retail stores, restaurants, construction companies, agencies, and service businesses. It integrates with existing tools like QuickBooks Payroll, Xero Payroll, Zoho Payroll, Bill.com, and Zapier.