Pay your people. Control company spend. One platform.
Payroa runs payroll daily, weekly or on demand, and gives your team corporate cards with the limits you set. Workers get paid faster. Finance gets one clean ledger.
Built for businesses that pay hourly, shift and field teams
Everything money moves through, in one place
Run payroll and manage company cards from the same dashboard, with the same approvals, the same people directory and the same funding account.
Payroll on the schedule your workers want
- Daily, weekly, bi-weekly or on-demand pay runs
- W-2 employees and 1099 contractors together
- Same-day ACH or instant pay to the Payroa card
- Taxes calculated, filed and paid for you
Company cards with controls built in
- Issue virtual cards instantly, physical cards in days
- Per-card limits, merchant categories and expiry dates
- Receipts captured and matched automatically
- Add cards to Apple Wallet and pay with Apple Pay
Every payment has a status. Nothing slips.
Hours come in from your time clock, pay is calculated, and each run waits for a manager's sign-off before money moves. Exceptions are flagged before payday, not after.
- Verify hours before pay is calculated
- Approve a run, or a single worker, with one click
- Fix returns by switching a worker to the Payroa card
- Funding report shows exactly what leaves your account and when
Timesheets need a manager to confirm before pay is calculated.
Pay is calculated and waiting for sign-off.
Approved and queued for the next payout window.
Funds are on the way to workers' accounts or cards.
A bank rejected the payment. Retry or switch payout method.
From approval to Apple Wallet in minutes
Cardholders add their Payroa card to Apple Wallet right from the Payroa app, before the physical card arrives. They can pay in stores, in apps and online with Apple Pay.
- One tap to add the card from the Payroa iPhone app
- Works with iPhone and Apple Watch
- Card number stays private: Apple Pay uses a device-specific number
- Freeze or change limits from the dashboard, effective immediately
Live in days, not months
Connect your bank
Verify your business and link a funding account. We check your business documents and confirm ownership.
Add your people
Import workers by spreadsheet or API. They finish onboarding on their phone, including tax forms and payout choice.
Pay and spend
Run your first payroll and issue cards. Approvals, funding and reports work the same way from day one.
Built to protect payroll data and money
Encrypted end to end
Data is encrypted in transit with TLS 1.2+ and at rest with AES-256.
Two-factor sign in
Every admin account requires 2FA. Sensitive actions ask again.
Role-based access
Decide who can view pay, approve runs, issue cards or change bank details.
Regulated partner bank
Cards are issued by [Issuing Bank, N.A.], Member FDIC.
Frequently asked questions
Who is Payroa for?
Businesses in the United States that pay hourly, shift, gig or field workers and need faster payroll plus company cards for their managers and crews.
Is Payroa a bank?
No. Payroa is a financial technology company. The Payroa Visa® Commercial Card is issued by [Issuing Bank, N.A.], Member FDIC.
Can workers be paid the same day?
Yes. Runs approved before the daily cutoff are sent by same-day ACH. Workers who choose the Payroa card can receive funds within minutes.
Can our cards be used with Apple Pay?
Yes. Cardholders can add their Payroa card to Apple Wallet from the Payroa iPhone app or from the Wallet app, and use it anywhere Apple Pay is accepted.
How is Payroa priced?
Payroll is priced per payment or per active employee, and corporate cards are priced per active card. See the pricing page or ask us for a quote.
See Payroa with your own payroll
Book a 30-minute walkthrough. We'll map your pay schedule, payout methods and card controls, then send a quote within one business day.