Payroll-Based Payments
Design products anchored to payroll: bulk salary runs, on-demand pay, and employer–bank–fintech data flows with the controls HR and treasury demand.
Format: 2 weeks · instructor-led or self-paced options · certificate of completion · examples from our production builds (Meras, Infinipi, and others).
What you will be able to do
- Map employer payroll systems: HRIS, payroll bureaus, file formats, timing.
- Model EWA vs traditional advance; wage assignment and disclosure patterns (jurisdiction-dependent overview).
- Handle verification of employment/income without breaking employee trust.
- Engineer payout rails: ACH-style batches, instant rails where available, recalls/returns.
- Build employer dashboards: funding, approvals, audit logs, offboarding.
- Understand operational risk: duplicate advances, partial pay cycles, terminations.
Syllabus
Week 1 — Employer domain & payroll data
- Stakeholders: employer, payroll provider, bank, employee, regulator themes.
- Pay cycles, garnishments, deductions, and net pay calculation awareness.
- Integration patterns: SFTP, APIs, flat files, webhooks from HRIS.
- Consent and notice: wage access, data use, opt-out—product copy hooks.
- Eligibility engines: tenure, hours worked, max advance percentages.
- Funding models: employer-funded vs fintech float vs hybrid.
- Security: least-privilege access to PII and payroll files.
Week 2 — Disbursement, EWA lifecycle & controls
- Payout orchestration: batch windows, instant vs standard, fees transparency.
- Repayment attachment to payroll: reconciliation to payroll deductions.
- Edge cases: leave without pay, bonuses, corrections, reversals.
- Fraud: synthetic employers, collusion, account takeover at payout.
- Reporting: employer statements, employee histories, tax document handoffs (overview).
- Capstone: product flow for EWA + salary disbursement with control checklist.
Tools & concepts
Capstone
Produce employer onboarding checklist, employee journey, and a repayment reconciliation diagram.
Who should attend
PMs and engineers in earned wage access, salary advances, and B2B2C payroll fintech.
Prerequisites
General payments literacy helpful; payroll specifics taught from scratch.
Apply for this course
Fee $1,700 · 2 weeks. Students receive 50% off with valid ID. We will email payment instructions and next steps after you submit.
Corporate or bulk seats? Contact us. For other courses see all trainings.