Embedded Payroll

This hub gathers everything Charge Forward knows about embedded payroll for software companies — the vendors, the unit economics, and the decision questions buyers actually ask. See the methodology.

Embedded Payroll vendors (12)

• Salsa — Embedded payroll infrastructure that lets software platforms launch fully integrated payroll products with one API.
• Nmbr — Canada's first embedded payroll infrastructure API, purpose-built for Canadian tax and compliance.
• ZayZoon — Embedded earned wage access for SMBs with 300+ payroll integrations and HCM partner program.
• Gusto Embedded — Gusto's API and white-label UI flows that let vertical SaaS platforms embed full US payroll.
• Branch — Workforce payments platform with embedded digital wallets, instant pay, and Mastercard debit cards.
• Check — Embedded payroll API that lets software platforms add full-service payroll, tax filing included, in weeks.
• Everee — Embedded payroll-as-a-service plus direct payroll product for staffing, gig, and hourly workforces.
• Zeal — Embedded payroll API for staffing, gig, and vertical SaaS platforms with real-time wage payments.
• Keeper — Earned wage access for healthcare, home care, and skilled nursing workforces with white-label embed.
• Payactiv — Employer-integrated earned wage access via non-recourse factoring, with B Corp and 70+ HCM partners.
• Stream (formerly Wagestream) — Global workplace finance platform (formerly Wagestream) with EWA, savings, and embedded HCM partners.
• Worklio — White-label HRIS and payroll platform that PEOs, ASOs, and software companies resell under their brand.