Payroll on a card — instant, flexible, compliant
Fund payroll cards in real time from your payroll system. Give employees and contractors instant access to wages with branded cards, digital wallets, and full spend controls. Ideal for gig economy, contractors, and early wage access programs.
What you are up against
Common barriers to launching and scaling financial products in this space.
Delayed pay cycles
Traditional pay runs leave workers waiting days or weeks for funds. Same-day or instant pay is becoming the expectation.
Contractor and gig pay complexity
Paying contractors, freelancers, and gig workers via bank transfer is slow and doesn't support card-based spending or allowances.
Fragmented payroll and cards
Payroll systems and card programs are separate. Reconciling funding, fees, and usage is manual and error-prone.
Compliance and reporting
Payroll cards must align with employment and tax rules. Reporting and audit trails need to be built for compliance.
How Kobble helps
Purpose-built infrastructure that removes complexity so you can focus on your product.
Payroll Card Issuing
Issue physical and virtual cards linked to payroll funding. Branded for your organisation with real-time load and balance visibility.
Instant Load & Wallets
API-driven funding so payroll runs can push funds to cards or wallets in real time. No batch delays.
Early Wage Access
Support earned-wage access and on-demand pay. Control limits, eligibility, and fee structure via API.
Compliance & Reporting
Transaction monitoring, AML checks, and reporting for payroll card programs. Audit-ready from day one.
Worker & Cohort Management
Manage cardholders by payroll group, contractor type, or region. Hierarchical controls and bulk operations.
Payroll Integration
REST APIs and webhooks to connect your payroll or HRIS. Sync pay runs, reversals, and adjustments in real time.
Results you can plan for
Measurable impact when you build on the Kobble platform.
Recommended stack
The Kobble modules most commonly used for this solution.
Let's build your solution
Our team will map your requirements to the Kobble platform and provide a tailored proposal with architecture recommendations and timeline estimates.