Payroll-layer fintech

Payday, without the bill anxiety.

Built around real cash flow

One salary payment becomes a clear distribution plan.

tPay365 turns payday into a deterministic sequence: read the agreed rules, account for essential commitments, and release the remaining amount as true disposable income.

Payroll runs

Your employer runs payroll as usual. tPay365 works at the payroll layer before salary is released as everyday spending money.

Essentials are handled

Rent, bills, debt repayments and savings are handled from payroll through the employee's agreed rules.

True pay pays out

Employees receive their true pay: not just net pay, but the amount that really matters after essentials are accounted for.

Payroll runs

Your employer runs payroll as usual. tPay365 works at the payroll layer before salary is released as everyday spending money.

Essentials are handled

Rent, bills, debt repayments and savings are handled from payroll through the employee's agreed rules.

True pay pays out

Employees receive their true pay: not just net pay, but the amount that really matters after essentials are accounted for.

The operating layer

Infrastructure for the seconds after salary is calculated.

tPay365 combines routing, rules, verification and audit trails so each pay cycle has a clear state and a recoverable path.

Payroll routing statusCurrent pay run

Payroll verified

Expected salary matched within tolerance.

Rules applied

Essentials, commitments, goals and buffers assigned.

True pay released

Everyday spending money is ready for the employee.

Reconciliation

Ledger records and audit events are written.

What teams get

Financial wellbeing that is wired into payroll.

For employees

A calmer payday, fewer bill mistakes and a clearer view of disposable income without loans or wage advance.

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For employers

A practical financial wellbeing benefit built into payroll, with privacy-first aggregate insight.

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For partners

More predictable payment flows when important obligations are handled before everyday spending begins.

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Product modules

One platform, several payday moments.

True Pay

Calculate what is genuinely disposable after essential commitments.

Payroll Routing

Handle rent, bills, debt repayments and savings through agreed rules.

Payment Protection

Keep important obligations accounted for before everyday spending begins.

Employer Insight

Report wellbeing trends without exposing personal employee details.

True Pay

Calculate what is genuinely disposable after essential commitments.

Payroll Routing

Handle rent, bills, debt repayments and savings through agreed rules.

Payment Protection

Keep important obligations accounted for before everyday spending begins.

Employer Insight

Report wellbeing trends without exposing personal employee details.

Privacy-first architecture

Employers see obligations, not personal employee details.

tPay365 is designed to keep financial processing and identifiable employee data in separate boundaries, using references and audit trails instead of loose data sharing.

No PIIin obligation records

Rules-ledrouting execution

Auditedevent history

For employers and partners

Make payday feel smaller, clearer and safer.

Start with payroll-layer routing, then expand into financial wellbeing, payment confidence and obligation-first insight.

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