> For the complete documentation index, see [llms.txt](https://docs.spendl.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.spendl.money/spendl-features/overview/payroll.md).

# Payroll

COMING SOON

Spendl Payroll enables businesses to automate salary payments and issue cards to employees through the Spendl platform.

Funds are made available through the Spendl App and Spendl Card, helping employees access their money faster without relying on legacy banking delays or manual payroll processes.

### What Payroll Enables

Spendl Payroll is designed for businesses that want a simpler way to pay employees, contractors, gig workers, and teams.

Instead of treating payroll as a batch bank file or separate external process, Spendl makes payroll a native money flow inside the same infrastructure used for accounts, cards, wallets, and treasury.

Businesses fund payroll once, define payout rules, and salaries are distributed directly to employee accounts inside Spendl.

### How Payroll Works

<table><thead><tr><th width="85">Step</th><th>Action</th><th>What Happens</th></tr></thead><tbody><tr><td>1</td><td>Fund payroll</td><td>The business funds payroll inside the Spendl platform</td></tr><tr><td>2</td><td>Set payout rules</td><td>Salary amounts, recipients, schedules, and payout rules are defined</td></tr><tr><td>3</td><td>Distribute funds</td><td>Payroll is paid directly into employee Spendl accounts</td></tr><tr><td>4</td><td>Access funds</td><td>Employees access funds through the Spendl App and Spendl Card</td></tr></tbody></table>

### Core Objective

The core objective of Payroll is to make salary payments faster, easier, and more connected to everyday financial access.

For employers, it reduces payroll complexity and manual administration.

For employees, it improves access to salary funds and reduces reliance on informal lending, credit cards, or payday loans when short term liquidity is needed.

### Business Use Cases

| Use Case                  | Description                                                     |
| ------------------------- | --------------------------------------------------------------- |
| Automated salary payments | Pay employees automatically through Spendl                      |
| Contractor payouts        | Manage contractor, freelancer, and gig worker payments          |
| Recurring payments        | Schedule repeat salary or allowance payments                    |
| Payroll records           | Maintain payroll activity and payment records inside the system |
| Reduced admin             | Reduce manual payroll processing and reconciliation             |
| Employee card access      | Issue cards linked to employee payroll balances                 |

### Employee Experience

From the employee’s perspective, payroll is simple.

Funds are received directly into the Spendl App, and employees can use their Spendl Card for everyday spending without waiting for traditional bank settlement timeframes.

### How Employees Can Use It

| Feature              | What it does                                             |
| -------------------- | -------------------------------------------------------- |
| Receive salary       | Get salary paid directly into the Spendl App             |
| Access funds by card | Use the Spendl Card to spend available payroll funds     |
| Everyday spending    | Use payroll funds for normal day to day purchases        |
| Track payments       | View salary payments and payroll activity inside the app |
| Transparent access   | See available balances and payment history clearly       |

Spendl Payroll helps businesses pay people directly through the same system that powers accounts, cards, wallets, and treasury.

* Employers get cleaner payroll flows.
* Employees get faster access to their money.