Interesting - I've always assumed ZP does do this, because the lag between when you debit our account and when the employee's account gets credited seems to be pretty long (3-4 business days at least).

Is this just an artifact of ACH? What is it that causes it to take so long?

Do you have integrated timecards? ADP does that, as well as payroll for us. (I looked at your site and didn't see anything.)

Thanks for the response. My 2 cents... This will be a great bonus for you once you've grown. In the meantime, I think you're in an area ripe for disruption. ADP and Paychex are old companies with old technologies, processes and mindsets. It's like you're competing with GM or IBM. Good EPS management, but not the future. You'll grow fast, and what's the worst thing that happens? One of them buys you so the other won't.