Payroll Cards

Payroll Solutions

Payroll Solutions for your business

Our Payroll Service has the expertise to take the most complicated payroll needs and handle them for you with the quality performance you need. On time and accurate. What sets us apart from the competition is simple:

Comprehensive payroll processing capabilities for clients of all sizes
Multiple payroll data input methods including online, PC connection, phone or fax
Specialized payroll processing and reporting for the Restaurant and Hospitality industries
Complete value-added payroll and credit card processing solutions for the Accounting Services industry

Why Choose Payroll?

For many companies, processing payrolls is a burden involving managing the paperwork, keeping up with state and federal filings and the myriad other details involved. Our payroll services can relieve you of many of these tasks while maintaining or improving upon you current processing method.

Here's a brief list of the services we offer:

New Hire Reporting & Forms — W-4 federal withholding forms, state withholding certificates, I-9 proof of citzenship, as well as up-to-date definitions of requirements and penalties
Calculation of payroll checks — complete handling of gross-to-net, taxes, voluntary deductions, cafeteria plan deductions, retirement plans and direct deposit (ACH)
Reports — over 100 standard reports to choose from including departmental summary, timesheet, checks/vouchers, check register and tax liability support
Electronic Federal Tax Payment System (EFTPS) — facilitation of electronic deposits of tax payments for mandated employers
Tax returns and filing — quarterly federal tax return forms (941/941B), state unemployment returns, federal unemployment returns (940/940ez), W-2 employee earnings and W-3 summary of the employer's W-2s, miscellaneous income forms such as 1099 and 1096, and year-end reconciliations
Additional applications — human resources application and time and attendance solution
Additional services — support for tax alerts, vacation/sick accruals, reimbursement checks, automated check signing, check envelopes and envelope stuffing, custom report capabilities, and direct deposit
Easy payment of invoices — electronic debit of your account for payroll serivces upon monthly reconciliation

Online Payroll Services

While you have your choice of methods to submit your periodic payroll information to us for processing, one of the easiest and most cost-effective is Payroll Online. It is your direct and secure Internet channel into the payroll world.

There is no need to install expensive software on your computer or spend hours training payroll personnel.

Plus, you can work on your payroll from home, the office or even while traveling. All you need is Internet access and Internet Explorer version 5.5 or later.

Payroll Online, you can review your company and employee information, make personnel changes and additions, enter payroll information, settle totals and run a gross-to-net preview, all through the convenience of your web browser.

All of the processing and interface is through highly secure Internet protocols to protect your data's security.

Payroll Cards

What is a Payroll Card program?

A pre-paid stored value card
Allows employers to offer employees who do not have a traditional bank account a highly desirable alternative versus receiving a paper check

Allows companies to:

Offer employees an alternative to traditional payroll media such as paper payroll checks or direct deposit
Provide employees who do not qualify for a traditional bank account, a less expensive alternative to check cashing stores for access to their earnings
Cards are re loadable and used from pay period to pay period by the employer

Reduce costs associated with paper based payroll processes including:

Reducing and handling physical paper media, fraud costs related to losses and theft, bank processing costs and stop payment fees
Settle payroll on payday versus when the payroll check clears
Eliminates costs for having check stock, issuing manual checks, mailing payroll checks, issuing Positive Pay Files, Month end Account Reconciliation and Paid Check Fees. ($2.83 avg)
Offer the Payroll Card as an employee benefit that many other employers currently do not offer

This could be a significant asset in employee recruiting and retention:

Employers may choose to co-brand the payroll card
Card will be embossed with the cardholder name and can be distributed by your company - or the cards can be mailed directly to the cardholder home address

Employee Benefits:

Employees will “never cash a payroll check again!”
No need to pay check cashing fees (6-12%)
Funds are immediately available
VISA co-branded cards enjoy universal acceptance
Cards are available for your spouse
Safer than cash
24/7 customer support available via Internet, VRU
or call center
Each Employee/cardholder will have a unique Personal Identification Number (PIN) number. This PIN number is generated by our processing system and mailed separately to the cardholder. The cardholder can then select their own PIN number via our VRU Website.
The employee does not receive printed checks with this program since access to the account can only be via the Optimum Payments Payroll Card.
Purchases, credit/debit adjustments or cash withdrawals are added or subtracted from the card holders accounts on a daily basis to reflect current cardholder balance(s).
Employees will also receive a month end statement which recaps all of their activity.
Cardholders can review recent transactions, check the remaining balance, etc. via our Optimum Payments Payroll Card Website, VRU or through the Customer Call Center. All three of these support options are available 24/7 and are available

Employer Benefits:

Reduce payroll costs and paper processing
Eliminate hassles of lost, stolen or inaccurate
checks.
Avoid loss of productivity caused by employees
waiting for and cashing checks
Promote employee retention
Utilize same process as direct deposit based on number
of employees and stability of workforce.
Simple solution for short and termination pay.
No risk to the employer