A full HR department, without hiring one.
Delivered through Payco's ADP partnership, so you get enterprise-grade HR infrastructure at the scale you actually are — connected to the same record as your payments.
Business insights
Compensation benchmarks, turnover data analytics, customized HR guidance and personalized benefit strategies — so pay decisions are made against data.
Insurance & benefits
Workers compensation, insurance, health insurance, retirement, 401(k) plans, voluntary benefits and employee perks and discounts.
Payroll & timekeeping
Payroll, HR tools and timekeeping run together, so hours worked and dollars paid are never two systems disagreeing at quarter end.
R&D tax credits
Research and development tax credit capture — routinely missed by businesses that assume it only applies to laboratories.
Risk & compliance
Workers compensation insurance, compliance guidance, risk management, EPLI and legal defense.
Talent management
Employee development, performance management, applicant tracking, online job postings, recruitment services and background screening.
Dedicated humans, named
Not a ticket queue. The program assigns real specialists:
- Employee Assistance Program (EAP)
- Health Advocate
- HR Business Partner
- MyLife Advisors
- Payroll specialist
- Risk and safety specialist
Why it sits next to payments
Labor is the largest line item in most of the businesses Payco serves, and card volume is the second. Running them on one relationship means the people who can see your sales are the same people who can see your payroll load — which is the only way advice about either is worth anything.
Capital, grounded in real processing history.
Payco works with the Lendio marketplace and has access to 80+ banks and lenders. A lending specialist runs the process as a white glove service — you are not filling in the same application eleven times.
Expansion & acquisitions
A second location, buying out a partner, or acquiring a competitor's book — longer-term facilities sized against where you are going.
Inventory & seasonal needs
Short-cycle capital for stock ahead of a season, sized against the volume Payco can actually see rather than a projection.
Operations & equipment
Equipment finance, refits and working capital for the ordinary cost of running and upgrading the business.
Eight leading providers, quoted against each other.
What the system does
- Call routing and queue management
- CRM and ERP integration, so a call arrives with context
- Encryption on voice traffic
Who runs it
- Call centers
- Corporate and enterprise offices
- Hospitals and clinics
- Law firms
- Security and field teams
Internet & mobility
Internet solutions — 43+ carriers
Contracts with 43+ leading carriers, plus speed optimization and cost analysis. Most businesses renew connectivity by default and overpay for years; being able to re-quote a location across dozens of carriers is what turns that into a decision.
Mobility solutions
All the major carriers and dozens of additional providers, with fleet tracking, GPS routing and Mobile Device Management (MDM) for teams whose work happens away from the building.
2,000+ platforms, one record.
POS, ERP, CRM and accounting platforms connected so that the same fact is not typed into three systems by three people at three different times.
No manual data entry
Eliminating re-keying removes the single most common source of reconciliation errors — and the hours spent hunting them.
Unified reporting
One reporting surface across payments, labor and inventory, rather than three exports stitched together in a spreadsheet.
Workflow automation
Routine handoffs between systems run on their own instead of waiting for somebody to notice them.
The suite at a glance
| Service | Partner / reach | Best for |
|---|---|---|
| Payroll & HR | ADP partnership | Any business with staff, especially hourly and multi-shift |
| Lending | Lendio marketplace · 80+ banks and lenders | Expansion, equipment, inventory and seasonal cycles |
| VoIP & phones | 8 leading VoIP providers | Call centers, clinics, law firms, field teams |
| Internet | 43+ leading carriers | Anyone renewing connectivity without re-quoting it |
| Mobility | All major carriers + dozens more | Fleets, field service, distributed teams |
| Integrations | 2,000+ POS, ERP, CRM & accounting platforms | Any operation re-keying data between systems |
Common questions
Who provides Payco's payroll and HR?
Payroll and HR solutions are delivered through Payco's ADP partnership, covering payroll, HR tools, timekeeping, workers compensation, insurance, retirement, health insurance and research and development tax credits.
How does Payco lending work?
Payco works with the Lendio marketplace and has access to 80+ banks and lenders. A lending specialist handles the process as a white glove service across three categories: expansion and acquisitions, inventory and seasonal needs, and operations and equipment.
How many VoIP providers does Payco work with?
Payco holds partnerships with 8 leading VoIP providers, serving call centers, corporate and enterprise offices, hospitals and clinics, law firms, and security and field teams — with routing, queue management, CRM and ERP integration, and encryption.
How many internet carriers can Payco quote?
Payco holds contracts with 43+ leading carriers and provides speed optimization and cost analysis, so a location can be re-quoted rather than renewed by default.
What can Payco integrate with?
Payco supports 2,000+ POS, ERP, CRM and accounting platforms, with workflow automation and unified reporting that removes manual data entry between systems.
Do I have to take payments with Payco to use the suite?
No. The suite stands on its own. It is simply more useful when the same team can see both sides, which is why most clients end up consolidating.
Consolidate the vendors, not the service.
One conversation covers payroll, capital, phones, internet and the integrations between them — with a specialist on each, not a generalist on all of them.
Talk to a specialistPayroll and HR services are provided through Payco's ADP partnership. Lending is arranged through the Lendio marketplace and Payco's network of 80+ banks and lenders; Payco is not a lender and does not make credit decisions. Carrier, VoIP and integration counts reflect current partner contracts and are subject to change. Sales 1-888-908-2638 · 24/7 support 1-424-230-7212 · Support@mypayco.com · 520 East Wilson Avenue Suite 210, Glendale, California 91206.