Payroll Funding Options
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      Kotapay Payroll Funding Options

      Fuse does not offer 3-day, or less, ACH funding for Employee Direct Deposits.

      The following options are available for your company to choose from:

      1. 5-Day ACH processing window:
        1. Process payrolls at least 4 business days prior to the Check Date
        2. Fuse Workforce processes ACH Debits from your company bank account to occur 3 business days prior to the Check Date.
          1. Separate ACH Debits for:
            1. Direct Deposits
            2. Payroll Taxes
            3. Invoice Fees
      2. Pre-fund with a manual wire:
        1. Process payrolls at least 2 business days prior to the Check Date
        2. Initiate wires through your bank to Fuse Workforce, pre-funding your direct deposits, no later than 1 business day prior to the Check Date
      3. Pre-fund with a reverse wire (a.k.a. wire draw-down):
        1. Authorize your bank to allow Fuse Workforce to initiate reverse wires
        2. Process payrolls at least 2 business days prior to the Check Date
        3. Fuse Workforce initiates a reverse wire from your company bank account 1 business day prior to the Check Date, for the direct deposits
          1. Note: Depending on the amount or your Federal Tax liabilities in each payroll, a 2nd wire may be needed for the total tax liability from each payroll, in addition to the wire for the direct deposits
        4. Fuse Workforce processes ACH debits from your company bank account to occur 1 business day prior to the Check Date
          1. Separate ACH Debits for:
            1. Payroll Taxes
            2. Invoice Fees
        5. Fuse charges an additional processing fee of $10 per wire for reverse wires
        6. In order to set your company up for the reverse wire option, there are 2 forms that wi
        7. need to be completed and returned to Fuse. We will send you these forms using DocuSign.
      4. Process direct deposit through your bank:
        1. Process payrolls at least 2 business days prior to the Check Date
        2. Fuse Workforce generates a NACHA file for you to then provide to your bank for them to process your direct deposits
        3. Please contact your bank to find out if this option is available on your account. We will need a specification sheet from them to work on your NACHA file creation.