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Best Embedded Payroll and Accounts-Payable Banking Solutions for Staffing and Payroll Providers in USA in 2025

Published: December 9, 2025

Executive Summary

We analyzed 5 solutions. Top Recommendation: Pay by Zeal scored highest due to Designed specifically for platforms seeking to embed payroll, with a focus on automation, compliance, and real-time data access for staffing and payroll businesses..

5 Companies Listed
1

Zeal Pay automates payroll, pay, taxes, and compliance for staffing and gig-work companies. It enables fast, flexible payments to workers, supports both W-2 and 1099 models, and offers a custom branded pay experience. The platform also generates new revenue streams for companies through paycards, digital wallets, and instant pay features.

Key Features:

  • Gross-to-net pay calculations for complex work arrangements
  • Flexible pay frequency and schedule selection
  • Multiple payment methods: paycards, digital wallet, instant pay (push-to-card), same-day ACH, direct deposit, downloadable and physical checks
  • Earned wage access (workers can access pay immediately)
  • Branded paycards and digital wallets with mobile wallet integration (Apple Pay, Google Pay)
  • Custom branded iOS and Android apps for workers
  • Automated tax compliance (withholdings, filings, unemployment, workers’ comp, overtime, multi-location pay rules)
  • Native integrations for timekeeping and benefits
  • API and pre-built components for fast implementation
  • Dashboards and admin tools for payroll management
2

HR + Payroll Software

paycor.com

Paycor’s HR + Payroll Software is an all-in-one solution that streamlines HR and payroll processes for organizations, eliminating the need for multiple systems and spreadsheets. The platform automates tasks, supports compliance, and provides data-driven insights to help leaders make strategic decisions.

Key Features:

  • Payroll processing with real-time compliance
  • Unified HR platform with unlimited workflows
  • Expense management (review, reimburse, report in one location)
  • AI-powered analytics and workforce predictions
  • Mobile punching and location verification for time & attendance
  • Document management for compliance
  • Automated onboarding and offboarding
  • Employee self-service portal
  • Customizable workflows and reporting
  • Integration with benefits administration, talent acquisition, and workforce management modules
3

WurkNow Payroll

wurknow.com

WurkNow Payroll & Billing Software brings all invoices together in one place, allowing users to view cash flow more clearly and save time through automation. The platform is designed to expedite invoicing, minimize errors, and ensure accurate payment processing for staffing firms and other businesses managing multiple clients.

Key Features:

  • Automate invoice creation
  • Customize invoice templates (unlimited)
  • Multi-client management
  • Integration with accounting systems (QuickBooks, SAP, and more)
  • Flexible grouping (by division, project, department, or shift)
  • Set approval levels with dollar thresholds
  • Interactive dashboard with real-time data visualizations
  • Open API for integration with internal or third-party applications
4

Global Payroll

karbonpay.com

KarbonPay Global Payroll is a cloud-based platform designed to manage payroll across multiple countries from a single system. It automates country-specific payroll calculations, centralizes payroll data, and streamlines payroll operations for organizations with a global workforce.

Key Features:

  • Automated, country-specific payroll calculations via rule engines.
  • Centralized global payroll dashboard for consolidated data and reporting.
  • Visibility into outstanding pay runs, critical payroll movements, and accounting integration submissions.
  • Intuitive, streamlined workflow for payroll processing and reporting.
  • Employee self-service portal for updating personal information, accessing payslips and tax forms, requesting time off, and submitting support tickets.
  • Reduces reruns and ensures correct payment disbursement.
5

Z3N Payments

cardz3n.com

Z3N Payments is a merchant services solution that allows businesses to accept credit card payments in various environments, including online, over the phone, and in-person. It offers true unified processing, devices, and reporting for seamless payment acceptance.

Key Features:

  • Merchant account setup
  • Support for card-present (POS, terminal, mobile) and card-not-present (online, MOTO) transactions
  • Wireless mobile point of sale (mPOS)
  • Retail and in-store payment solutions
  • E-commerce/online payment processing
  • Integrated payments via SDKs and APIs
  • Enterprise-level omni integrated solutions
  • ACH/electronic check processing
  • Specialized solutions for high risk, international, and EU merchants
  • AerospacePay industry solution