Direct Deposit Payroll Software

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Recommendations: Sorts listings by the number of recommendations our advisors have made over the past 30 days. Our advisors assess buyers’ needs for free and only recommend products that meet buyers’ needs. Vendors pay Software Advice for these referrals.
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Showing 1 - 20 of 289 products
Showing 1 - 20 of 289 products


Paycom offers user-friendly HR and employee-driven payroll technology to enhance the employee life cycle, in a single software. Paycom drives efficiencies, increases data integrity and gives employees power over their HR informat...Read more

4.34 (657 reviews)

124 recommendations


Eddy is the all-in-one HR Suite built for local businesses. With Eddy, businesses can streamline tedious HR processes and improve their employee experience by moving away from paper and spreadsheets and into our intuitive, web-bas...Read more

4.61 (38 reviews)

96 recommendations

Paychex Flex

Paychex Flex is a human capital management solution that's designed using web-based modular technology and a dedicated service center to help meet the HR needs of employers of any size and industry. With a single login, users can ...Read more

4.08 (1171 reviews)

92 recommendations


UKG Pro is a powerful, global HCM solution. Transform your business with a truly connected global workforce experience delivered through resilient and mindful HR technology. From payroll to talent, to service delivery, to surveys,...Read more

4.23 (447 reviews)

77 recommendations


Zenefits is an all-encompassing HR SaaS platform designed specifically for small to midsize businesses. The Zenefits People Platform includes a robust offering spanning HR, Benefits, Payroll, Well-being and Performance apps that c...Read more

4.20 (792 reviews)

76 recommendations


Paycor creates Human Capital Management (HCM) software for leaders who want to make a difference. Our HCM platform modernizes every aspect of people management, from the way you recruit, onboard and develop people, to the way you ...Read more

4.37 (2271 reviews)

64 recommendations


isolved is an employee experience leader, providing intuitive, people-first HCM technology. Our solutions are delivered directly or through our HRO partner network to more than five million employees and 145,000 employers across a...Read more

3.80 (345 reviews)

52 recommendations


BambooHR offers small and growing companies a human resource information system (HRIS) that includes an applicant tracking system (ATS), time tracking, payroll processing, employee engagement and employee satisfaction tools, autom...Read more

4.58 (1779 reviews)

48 recommendations


Rippling makes it easy to manage your company's payroll, benefits, HR, and IT—all in one, modern platform. It brings all of your employee systems and data together and helps automate your busy work, such as onboarding. With Rippli...Read more

4.88 (1580 reviews)

44 recommendations


People are complex, but your HR solution shouldn’t be. Namely gives you the resources to make your life easier and your employees happier. With modern, intuitive technology and a world-class team of HR experts, Namely empowers peo...Read more

4.16 (411 reviews)

44 recommendations

Software pricing tips

Read our Direct Deposit Payroll Software Buyers Guide

Subscription models

  • Per employee/per month: This model allows you to pay a monthly fee for each of your employees.
  • Per user/per month: Users pay a monthly fee for users—normally administrative users—rather than all employees.

Perpetual license

  • This involves paying an upfront sum for the license to own the software and use it indefinitely.
  • This is the more traditional model and is most common with on-premise applications and with larger businesses.

Rated best value for money


Zira is a cloud-based employee scheduling and performance management system designed to automate complex team processes. Zira tools include a web-based manager and admin application that is ideal for creating and publishing schedu...Read more

4.92 (13 reviews)

41 recommendations

Dayforce HCM

Dayforce, provided by Ceridian, is a solution for payroll, benefits, workforce management, human resources, talent management, document management, and analytics. As a single application, Dayforce provides organizations with acces...Read more

4.26 (676 reviews)

39 recommendations


GoCo is a cloud-based human resources, benefits and payroll solution designed for small businesses. The platform automates the process of collecting required documents for newly hired talent, enrolling new employees in benefits pl...Read more

4.74 (47 reviews)

38 recommendations

APS Payroll

Automatic Payroll Systems (APS) has a mission: to make payroll and HR easier. They have been providing payroll and tax compliance services to companies since 1996. In 2004, APS released its cloud-based solution for workforce manag...Read more

4.61 (613 reviews)

35 recommendations

RUN Powered by ADP

The RUN Powered by ADP® (RUN) solution is designed to make your small business payroll quick and easy. With a streamlined process and powerful technology, you'll complete payroll in no time. Choose from basic payroll to a full sui...Read more

4.49 (713 reviews)

33 recommendations


WorkforceHub is a cloud-based time, attendance, and leave management system for small to mid-size businesses. This software can capture time data from web-based clocks or physical clocks for employees onsite, mobile, and working a...Read more

4.00 (2 reviews)

31 recommendations

ADP Workforce Now

ADP Workforce Solution is suited for businesses with more than 50 employees looking to streamline HR processes. ADP Workforce Now includes capabilities such as payroll processing and tax filing, performance management, compensatio...Read more

4.41 (6029 reviews)

30 recommendations

Patriot Payroll

Patriot Payroll does not have an app, but the website is optimized for mobile use. Patriot Payroll from Patriot Software is an integrated human resource (HR) and payroll management solution that helps to streamline the different...Read more

4.81 (2952 reviews)

21 recommendations

Deluxe Payroll and HR

Deluxe's online payroll solution provides your business with comprehensive, full-service payroll and HR solutions with dedicated customer service. ...Read more

4.48 (98 reviews)

19 recommendations

Asure Payroll & Tax Management

Asure People Success Platform is a workforce and workspace management software for small to midsize businesses, and enterprise corporations. The HCM platform empowers clients with information about the productivity level of employ...Read more

3.43 (7 reviews)

16 recommendations

Buyers Guide

Last Updated: June 30, 2022

What Is Direct Deposit Payroll Software?

Direct deposit payroll software is a tool that enables organizations to process salaries, make deductions, calculate bonuses, and manage employee time off. The software allows organizations to set up a recurring process with banks to transfer money from their bank account to employees’ bank accounts on a specific day every month.

Any business with paid employees should be using a dedicated payroll solution. To make the payment process transparent and convenient, businesses of any size can opt for direct deposit payroll software.

Direct deposit is a form of electronic payment via ACH (automated clearing house) that many organizations use to pay their staff. Even the U.S. federal government uses it to send social security payments.

Directly depositing employee salaries to their bank accounts saves the cost of paper checks, is environment friendly and lowers the chances of fraud due to loss or theft of paper checks. Direct deposit payroll software helps out by processing unlimited transactions to meet your staff's payment needs.


We created this buyer's guide to help you understand how this software works. We're detailing everything you need to know before you choose a solution for your business.

Here's what we'll cover:

What Is Direct Deposit Payroll Software?
Common Features of Direct Deposit Payroll Software
What Type of Buyer Are You?
Benefits of Direct Deposit Payroll Software
Key Considerations

This type of software also makes it easy and safe to consistently pay staff salaries. Businesses can set up a recurring process with their banks to electronically transfer the money from their savings or checking account into the employees' bank accounts on a specific day every month.

SurePayroll's direct deposit records view

Direct deposit records in SurePayroll software (Source)

Common Features of Direct Deposit Payroll Software

Vendors in this market offer a variety of functional breadth and depth in their solutions. Let's look in detail at the common capabilities of direct deposit payroll software:

Direct deposit Lets users deposit employee salaries directly into their bank accounts on the payout day each month. The software automatically withdraws funds from your bank account and deposits it into employees' bank accounts.
Tax management Calculates state and federal payroll taxes automatically and deducts the correct amounts from employees' salary. It also considers tax exemptions that the government offers to employees to reduce their taxable gross income.
Employee time off management Allows employers to track time off hours that they've allowed, have been taken by employees and are left remaining as sick days or paid vacation time.
Employee portal Allows employees to access and manage their personal information. They can also perform a few functions, such as viewing their time off activity or leave balance.
Third-party integrations Lets users integrate the direct deposit payroll software with other existing systems in the organization such as HR and accounting software.

If you need help determining which vendors offer which specific features, give our advisors a call at (855) 998-8505.

What Type of Buyer Are You?

Before you start evaluating various direct deposit payroll software, you should know which buyer category you fall into and what that means as you choose direct deposit software. We believe most buyers can be categorized as one of the below types:

Small businesses. These buyers focus on basic day-to-day requirements such as depositing employee salary, calculating taxes quickly and managing employee time off efficiently. They require a simple, dedicated direct deposit payroll software that fulfills their needs and can be scaled up over time. They're mainly looking to streamline their payroll process at an affordable price.

Midsize businesses. Apart from the basic capabilities, these buyers may need additional and more advanced features. They usually have an established HR team, so they'd also need third-party integrations with existing HR software to import/export employee data.

Large businesses. These buyers need almost all the features in a solution. They ideally look for a full-featured solution that's part of a suite that covers extra modules, such as HR and accounting, for smoother operations. Due to a larger number of employees and to avoid the hassle of handling everyone's daily needs, they may also require an employee portal that allows employees to access, view and manage their personal information at any time.

Benefits of Direct Deposit Payroll Software

While a streamlined payments process is the most important benefit of this software, here's a list of additional benefits:

Safety and reliability. The direct deposit process is a convenient way to pay employees on the payout day itself, regardless of their location. Paper checks can get delayed in reaching the bank due to bad weather, misplaced checks, employees on vacation etc. Any of these reasons could result in employees not getting paid on time, which can put a financial strain on their personal lives.

However, direct deposit isn't dependent on any such factors. Businesses can easily set up the software and ensure stress-free pay schedules for themselves and their employees.

Time and cost savings. Employees who receive paper checks may feel the need to leave work on payout days to deposit their check during business hours. This means low productivity on payout days. As the software automatically credits the salary into employees' bank account, you save their time as well as your organization's.

In addition, you'll no longer have to spend hours writing or printing checks. With direct deposit payroll software, you also save on costs for paper checks, postage, shipping and packaging.

Key Considerations

Now that you're aware of the features and benefits of direct deposit payroll software, you should consider purchasing the software to automate pay distribution. Here's a list of questions you should ask the vendor before shortlisting suitable solutions:

Is the software scalable? Check whether the direct deposit payroll software you're considering will adapt and scale up as your business grows. The software should automatically add new employees to the distribution list when they're onboarded. Make sure you ask the vendor whether you'll be charged extra for adding new employees.

Does the software support integration? Ask vendors whether their solution supports integrations with your existing applications such as HR and accounting systems. Be specific about all the stakeholders who'll use the software and the effort, time and costs associated with integrations.

Does the vendor offer customer support? Find out whether the vendor offers support 24/7, only during business hours or not at all. Also, ask for the available support options such as email, phone or live chat. Make sure to ask the vendor about their usual response time, so that you're able to get your employees' salary issues and queries resolved on time.