Generate Bank Files for All Your Clients
One tool. All clients. Any payroll software.
No per-payment fees. No per-client fees. Just flat pricing.
The payroll service challenge
Running a payroll service bureau means managing payments for many clients:
- Multiple clients: Each with their own bank, originator ID, and employees
- Different software: Some clients export from their own systems
- Volume matters: Per-transaction fees erode your margins
- Per-client fees: Some solutions charge per client served
EFT Flow: Built for bureaus
One license. All clients. Any payroll source.
$95/month flat. Or $2,990 once, forever. No per-payment or per-client fees.
How it works
Each client has their own originator ID, employee list, and mapping settings.
Use your payroll software to calculate wages, deductions, net pay.
Export employee names and net pay amounts to CSV/Excel.
Select the client profile. Import the file. Employees are matched automatically.
File is generated with the client's originator ID. Upload to their bank (or yours).
Built for multi-client workflows
Separate client profiles
- Each client has their own originator ID
- Separate employee lists per client
- Saved column mappings for each client's export
- Switch between clients in seconds
Flexible processing
- Different pay frequencies per client
- Different banks per client
- Batch multiple clients or process individually
- Handle one-off bonus runs or adjustments
Cost comparison for bureaus
Example: Bureau with 20 clients, averaging 25 employees each (500 payments/pay period):
| Approach | Monthly Cost | Annual Cost |
|---|---|---|
| Per-transaction ($1/payment, bi-weekly) | ~$1,000/month | ~$12,000/year |
| Per-client fees ($25/client/month) | $500/month | $6,000/year |
| EFT Flow monthly | $95/month | $1140/year |
| EFT Flow lifetime | $0 after purchase | $2,990 once |
The math: At $95/month with 500 payments, that's 19¢ per payment. Add more clients? Cost per payment drops further. Your costs don't scale with volume.
Works with any payroll software
Ceridian Dayforce
Export pay data, import into EFT Flow.
ADP
Export payroll reports.
Payworks
Export payment data.
Wagepoint
Export payroll files.
Rise People
Export pay run data.
Custom software
Any system that exports to CSV/Excel.
No integration required: EFT Flow imports any CSV or Excel file. You don't need API access or special configuration. Export from your payroll system, import into EFT Flow.
Add value to your service
EFT file generation can be a differentiator:
- Include it in your service: "Direct deposit included" at no extra cost to you
- Charge for it: Add a small fee for EFT processing as a profit center
- Reliability: You control the file generation—no third-party dependency
- Flexibility: Handle special situations (bonus runs, corrections) quickly
FAQ for payroll bureaus
How many clients can I manage?
Unlimited. One EFT Flow license handles as many client profiles as you need. No per-client fees.
Each client has their own originator ID?
Yes. Each client profile stores their unique originator ID. Files are generated with the correct ID for each client.
Can different clients use different banks?
Yes. CPA-005 is a standard format accepted by all Canadian banks. You generate the file; each client uploads to their own bank (or you upload for them if you have access).
What if a client changes their payroll software?
Just update the column mapping for that client. The new export format will have different column names, but the process is the same. Map once, use forever.
Can I process all clients in a batch?
You'd process each client's file individually (select profile, import, export). But each file takes only a minute or two. For high volume, this is still faster than alternatives.
Is there a limit on employees per client?
No. A client with 10 employees or 1,000—same process, same cost. EFT Flow handles files of any size.
Ready to streamline bureau operations?
One tool for all your clients. Any payroll software. Flat pricing. $95/month—no per-client or per-payment fees.