Payroll by Card

Key Features

• •Credit Card Payroll Funding: Use your business credit card to fund payroll instantly, even when cash is tight. This feature ensures employees are paid on time without depleting your bank account, turning a routine expense into a flexible financing tool.
• •Earn Cashback & Rewards: Every payroll transaction earns credit card points, cashback, or travel rewards. With cards like Capital One Spark offering up to 2% cash back, you can offset processing fees and build rewards for your business over time.
• •Extended Payment Window: Enjoy 30-45 day payment terms from your credit card issuer. This extended window gives you more time to collect receivables or invest working capital elsewhere, reducing pressure on daily cash flow.
• •Accounting Integration: Seamlessly connect with QuickBooks Payroll, Xero Payroll, Zoho Payroll, and Bill.com. Import payroll data automatically to eliminate manual entry, reduce errors, and streamline your payment process.
• •Mobile Payroll App: Run payroll from anywhere using your iPhone or iPad. The mobile-first design provides full control over payments on the go, making it easy for busy owners to manage staff compensation from any location.
• •Instant Transfers: Funds are transferred instantly to your business account via ACH or wire. This ensures that employees receive their salaries without delay, even when you use credit card funding as the source.
• •Tax-Deductible Fees: The processing fees incurred may be recorded as business expenses, offering potential tax benefits. Consult your tax advisor, but this feature adds another layer of financial advantage to using the app.

Use Cases

• •Emergency Payroll Funding: A small business faces a cash flow gap right before payday. By running payroll through the app with a credit card, they pay all employees on time, avoid late fees, and earn rewards on the transaction. The business maintains morale and operations without taking a loan.
• •Rewards Maximization for Startups: A growing tech startup uses a Capital One Spark card to fund monthly payroll. With each $50,000 payroll, they earn $1,000 cash back (at 2%). Over a year, this offsets almost all processing fees and provides extra capital for hiring or equipment purchases.
• •Seasonal Business Cash Flow: A retail store experiences slow sales in winter but must pay staff. Using Payroll by Card's extended payment window, they defer payroll costs for 45 days until spring revenue arrives. This prevents overdrafts and keeps the team employed during off-peak periods.
• •Integrated Payroll for Agencies: A marketing agency imports employee hours from QuickBooks into the app. They process ACH payments for both salaried staff and freelancers in one session. The integration saves hours of manual work each week and ensures accurate, on-time payments.
• •Contractor Payments for Construction: A construction company pays multiple subcontractors using the app. They link their business card, import invoice data, and send payments via wire transfer. The owner earns rewards on large transactions and tracks all expenses in one place.

Who is this for?

Small business owners, startup founders, entrepreneurs, and freelancers who need flexible payroll funding options. Ideal for retail, restaurant, construction, agency, and service businesses facing cash flow challenges. Also suited for accountants and bookkeepers using QuickBooks, Xero, or Zoho who want to streamline payroll processing and earn rewards. The app is designed for iPhone and iPad users running businesses that require on-the-go management and instant payment capabilities.