payroll-integration
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SmartPay Makes the Insurance Bill Follow the Work
An insurance agency built a better way to collect premiums. Its customers wanted the machinery - and SmartPay found a business in making the bill keep up with payroll.
Ubiquity’s 401(k) bet: let savings grow, not the fee
Since 1999, Ubiquity Retirement + Savings has built retirement plans for businesses too small to command Wall Street’s attention. Its wager is simple: charge for the work, rather than a percentage of the nest egg.
Congruent Solutions makes the boring part of retirement work
Behind a retirement account lies a small bureaucracy of payroll files, plan rules and systems that barely speak. Congruent Solutions has built a business getting them to cooperate.
The Price of Waiting for Friday
Payactiv built a business around a peculiar gap: people can finish the work on Tuesday and still pay to reach the money on Friday. Its answer began at a New Jersey construction company and now runs through payroll systems, cards and digital wallets.
Agendrix Took 30 Months to Reach $10K MRR - Then a Cabin-Built Time Clock Put 235,000 Workers on Its Schedule
The Quebec SaaS company survived ignored pitches and two years of tiny salaries by solving one dull, expensive problem at a time. Its playbook is useful precisely because it begins with a spreadsheet, not a moonshot.
Harri
Harri is a cloud-based human capital management and workforce management platform built specifically for the hospitality and frontline service industries. Founded in 2012 by hospitality operators, it unifies talent acquisition, onboarding, scheduling, time and attendance, compliance, and employee engagement into a single mobile-first system. Harri serves enterprise restaurants, hotels, and retailers - powering the operational backbone for tens of thousands of locations and millions of frontline workers, helping high-turnover, multi-location businesses hire faster, control labor costs, and keep teams engaged.
Tapcheck
Tapcheck is a Texas-based fintech that gives hourly and frontline workers access to wages they have already earned before their scheduled payday. Founded in 2019 by husband-and-wife team Ron and Kayling Gaver, the company connects to an employer's existing payroll and timekeeping systems through no-code integrations, then lets employees transfer up to a share of their net earned wages after each shift - to a bank account or a free Tapcheck Mastercard. The service is offered at no cost to employers and does not touch company cash flow, while employees pay a single, ATM-style fee per transfer. Tapcheck positions earned wage access as an employee benefit that reduces financial stress and improves retention.
Vestwell
Vestwell is a New York-based fintech that operates as digital savings infrastructure for the American workplace. Founded in 2016 by Aaron Schumm, it provides an API-driven recordkeeping and administration platform that lets employers, financial advisors, payroll providers, and state governments offer 401(k), 403(b), IRA, 529 education, ABLE disability, and emergency savings accounts. By 2026 the company administered more than $50B in assets for over 2 million savers, powered the majority of state-facilitated retirement programs in the U.S., and raised a $385M Series E to expand the modern savings economy.
Clockout
Clockout is a fintech company that lets banks and credit unions offer earned wage access (EWA) directly inside their own mobile and online banking apps, so customers can tap a portion of their pay before payday without waiting on their employer. Founded in 2022 by childhood friends from Venezuela, Clockout started as a traditional EWA service for South Florida restaurant groups, then pivoted in 2024 to become the embedded infrastructure layer - often described as the 'Zelle for earned wage access.' The platform connects to more than 1,600 payroll systems and plugs into major core banking providers including Q2, Jack Henry, Alkami and Candescent, letting an institution launch EWA in roughly ten days. Clockout closed a $2 million seed round in June 2025.
Fleet
Fleet is a San Francisco-based commuter benefits management platform that helps employers set up, run, and stay compliant with pre-tax and subsidized transportation programs. It manages all mobility spend in one place - pre-tax transit and parking, employer subsidies, government grants, and rewards - across transit, parking, bikes, e-bikes, scooters, rideshare, and vanpools. By integrating with 180+ HR and payroll systems, Fleet lets HR teams roll out commuter benefits quickly, meet local mandates in cities like NYC, LA, and the Bay Area, and nudge employees toward lower-carbon commutes.
Penelope
Penelope is a New York fintech that makes 401(k) retirement plans practical for the businesses that usually get ignored - the corner shop, the two-person startup, the solopreneur. Founded in 2021 by former Wall Street executive Jean Kim Smart and named after her daughter, the company started as a low-cost, self-service platform offering Pooled Employer Plans, traditional 401(k)s and Solo 401(k)s, and has since built a cloud-native, API-first, SECURE 2.0-ready recordkeeping platform that independent recordkeepers and benefit providers can run under their own brand. The pitch is unglamorous but real: automate the paperwork, cut the cost, and let roughly 60 million Americans who work for small employers start saving.
Time Doctor
Time Doctor is a bootstrapped workforce-analytics and time-tracking platform built for remote, hybrid, and distributed teams. Launched in 2012 by Rob Rawson and Liam Martin, it gives managers real-time visibility into how work happens - tracking time, app and website usage, productivity trends, and workload balance - while pairing the data with AI-supported insights. Used by 280,000+ people across 30+ countries and integrating with 60+ tools, Time Doctor turns activity data into fairer policies, better workload decisions, and burnout prevention.
SimplyInsured
SimplyInsured is an online health insurance marketplace and benefits administration platform built for small businesses. It lets owners shop, compare, and enroll in medical, dental, and vision plans from 200+ carriers in minutes, then automates employee deductions and payroll syncing - all at no cost beyond the regular premiums. The company powers embedded health benefits inside Square, Gusto, Check, and Patriot payroll.
Human Interest
Human Interest is a San Francisco-based fintech company on a mission to make retirement savings accessible to every American worker, regardless of where they work. The company provides affordable, full-service 401(k) and 403(b) plans designed for small and medium-sized businesses — the 99% of employers who have historically been priced out of quality retirement plan options. With a platform that handles recordkeeping, compliance, payroll integration, and investment management all in one place, Human Interest has become one of the fastest-growing retirement plan providers in the U.S., serving nearly 50,000 employers and 2 million+ eligible employees.