Payroll by Card is a financial application that enables businesses to fund their payroll costs using credit cards instead of traditional bank transfers. The main purpose is to provide flexible payroll funding options that help companies manage cash flow challenges while earning rewards on employee payments.

Key features include credit card payroll funding that allows instant transfers to business accounts, earning cashback and rewards on every payroll transaction with extended 30-45 day payment terms for better cash flow control. The app offers tax-deductible processing fees and easy integration with accounting platforms like QuickBooks, Xero, Zoho, and Bill.com. It provides mobile payroll capabilities for running payroll anywhere, anytime from your phone.

The app works by connecting your business credit card, importing payroll data from accounting software, choosing payment methods (ACH or wire transfers), and approving payments. This process enables businesses to earn rewards while maintaining financial flexibility.

Benefits include solving cash flow challenges by providing emergency payroll funding when cash is tight, bridging temporary cash shortages while maintaining employee satisfaction. Use cases include paying hourly workers, salaried employees, contractors, and freelancers across various industries like retail, restaurants, construction, agencies, and service businesses.

The product targets small businesses, startups, and entrepreneurs who need flexible payroll funding options. It integrates with existing accounting tools and provides mobile accessibility for payroll management on iOS devices.