Payroll

AI-Powered Payroll for US Businesses

Payroll Modules

Payroll Processing

Run payroll for salaried, hourly, and contract workers in one batch. Automated gross-to-net calculations, overtime rules (FLSA), shift differentials, bonuses, and commissions.

Tax Management

Federal, state, and local tax calculation, withholding, filing, and remittance. Covers income tax, FICA, FUTA, SUI, and local occupational taxes across all 50 states.

Compliance

Real-time monitoring of payroll tax law changes. Automated penalty avoidance through deadline tracking, rate updates, and filing reminders. ACA reporting for applicable large employers.

Reporting

Pre-built and custom payroll reports: payroll register, tax liability, labor cost by department, overtime analysis, and year-over-year comparisons. Export to CSV, PDF, or direct to your accountant.

Direct Deposit

Same-day, next-day, and standard ACH processing. Split deposits, pay cards for unbanked employees, and on-demand pay advances. Full transaction audit trail.

Year-End

Automated W-2 and 1099 generation, error checking, electronic filing with SSA and IRS, and employee portal distribution. State reconciliation forms and ACA 1094-C/1095-C reporting included.

Why It Matters

5 hrs Saved per payroll cycle

Automated tax calculations, direct deposit processing, and compliance checks eliminate the manual work that bogs down every pay period.

99.9% Payroll accuracy

AI-powered validation catches errors before payroll runs — incorrect hours, missing deductions, tax miscalculations — so your employees are paid correctly, every time.

50-state Tax compliance

Automated tax rate lookups, filing, and remittance across all 50 states plus DC, territories, and thousands of local jurisdictions.

Same-day Direct deposit

Employees receive their pay on payday — not two days later. Same-day ACH processing available on all plans.

Payroll Features

Multi-State Payroll Processing

Process payroll for employees across all 50 states in a single run. Zimyo automatically applies the correct federal, state, and local tax rates based on each employee's work and residence location — including reciprocity agreements.

Federal & State Tax Filing

Automated calculation and filing of federal income tax, Social Security, Medicare, FUTA, and all state-level withholdings. Zimyo files quarterly 941s and annual 940s on your behalf, so you never miss a deadline.

W-2 & 1099 Generation

Generate and distribute W-2s for employees and 1099-NECs for contractors at year-end. Electronic filing with the SSA and IRS, plus employee portal access for instant download — no paper, no delays.

Direct Deposit & Pay Cards

Same-day or next-day ACH direct deposits to employee bank accounts. For unbanked employees, offer pay cards with zero fees. Split deposits, on-demand pay advances, and full transaction visibility.

Garnishment & Deduction Management

Automatically calculate and remit court-ordered garnishments, child support, tax levies, and voluntary deductions (401k, HSA, union dues). Priority rules follow federal and state garnishment limits.

Year-End Tax Reporting

Comprehensive year-end package including W-2s, 1099s, state reconciliation forms, and ACA reporting (1094-C/1095-C for ALEs). Deadline calendar, error checking, and electronic filing built in.

Payroll Compliance Engine

Real-time monitoring of federal and state payroll tax law changes. When rates change mid-year — like a state unemployment rate update or a new local tax — Zimyo applies the change automatically and recalculates affected pay periods.

Real-Time Payroll Analytics

Dashboard showing labor cost by department, overtime trends, tax liability forecasts, and payroll-to-revenue ratios. Export-ready reports for your accountant, board, or investors.

Payroll — Frequently Asked Questions

Does Zimyo handle federal and state tax filing?

Yes. Zimyo calculates, files, and remits federal income tax, Social Security, Medicare, FUTA, and all state and local withholdings on your behalf. We file quarterly (Form 941) and annual (Form 940) returns, plus all state-level equivalents.

Can Zimyo process payroll for both W-2 employees and 1099 contractors?

Yes. Zimyo supports both W-2 employees and 1099-NEC contractors in a single platform. Contractor payments can be processed via direct deposit or check, and 1099s are generated and filed electronically at year-end.

How does Zimyo handle employees in multiple states?

Zimyo automatically applies the correct tax rates based on each employee's work state and residence state, including reciprocity agreements. There are no per-state fees — multi-state payroll is included in every plan.

What happens if a tax law changes mid-year?

Zimyo's compliance engine monitors federal, state, and local tax law changes in real time. When a change takes effect, calculations update automatically and your payroll admin is notified with a plain-language explanation of the change.

Does Zimyo support garnishments and deductions?

Yes. Zimyo handles court-ordered garnishments, child support, IRS tax levies, and voluntary deductions (401k, HSA, FSA, union dues). Priority and maximum rules follow federal and state regulations automatically.

How fast is direct deposit with Zimyo?

Zimyo supports same-day ACH, next-day ACH, and standard 2-day processing. Same-day deposits are available on all plans when payroll is submitted before the daily cutoff time.