Pay Your Employees Electronically Without the Paper
Why Businesses Move Away from Paper Checks
Direct deposit works well for employees with bank accounts, but a portion of the workforce is unbanked or underbanked. Employees without bank accounts face real challenges on payday: cashing checks requires a fee, banking hours may not align with their schedule, and access to their funds can be delayed.
For employers, paper checks mean printing and distribution costs, reconciliation time, and the administrative burden of replacing lost or damaged checks. Electronic payroll eliminates most of those costs while also improving the experience for your employees.
How Our Electronic Payroll Works
Stored-value PIN debit cards
Payroll is loaded directly onto a STAR-branded stored-value card. Employees use the card to make purchases, pay bills, or withdraw cash at ATMs. There is no bank account required. Cards are issued instantly, and employees can access their wages as soon as payroll is processed.
Branded debit cards with network acceptance
For employees who want a card that works wherever major cards are accepted, we offer Visa, Mastercard, and Discover-branded stored-value debit cards. These work everywhere those networks are accepted and come with PIN and signature purchase capability.
Electronic checks
For employers who need to maintain paper check compliance under specific state payroll regulations, we offer an electronic check option that satisfies those requirements while still reducing the administrative burden of physical check issuance.
Transparent Pricing (No Hidden Fees)
What Electronic Payroll Delivers
Instant access to wages
Employees receive access to their funds as soon as payroll is processed. There is no waiting for a check to clear or for a bank branch to open. This is especially meaningful for hourly workers who depend on prompt access to their pay.
24/7 account access
Employees can manage their money through a mobile app that shows their balance, transaction history, and card activity at any time. This reduces employee inquiries to your HR or accounting team about payroll status.
Reduced administrative costs
Eliminating paper checks removes printing costs, courier costs, and the staff time involved in distributing and reconciling physical payroll. The savings increase with the size of your workforce.
Clean reporting and reconciliation
Electronic payroll integrates with your existing accounting and billing records. You have a clear transaction record for every payment, and the reporting is accessible from your account portal alongside your other merchant services activity.