SinglePoint Payroll Services: ACH Direct Deposit for American Employers

SinglePoint payroll runs on ACH CCD and PPD credit batches, with Same-Day, Next-Day and Second-Day settlement to employee accounts. NACHA-formatted files generated by ADP, Paychex, Gusto, QuickBooks Payroll and Workday upload directly into SinglePoint, with prenote validation, NOC auto-apply and full return reason handling.

IRS Form 941 quarterly payroll tax, Form 940 FUTA and state labor department remittance route through IRS EFTPS Direct inside SinglePoint with federal tax deposit schedule captured for the audit trail. Consult Federal Reserve payment systems for the regulatory backdrop.

SinglePoint Login Contact Payroll Desk

SinglePoint payroll screen with ACH PPD credit batch from ADP Workforce Now ready for same-day release

PPD Consumer Direct Deposit

Prearranged Payment and Deposit (PPD) is the NACHA SEC code for credit entries to consumer employee accounts. Every SinglePoint W-2 employee with a checking or savings account in an American depository institution receives payroll as a PPD credit entry. Optional one-addenda record carries paystub reference.

CCD Corporate and 1099 Payments

CCD handles payments to incorporated contractors (1099-NEC) with business banking relationships and to payroll processors passing through to their own ACH system. SinglePoint applies CCD to corporate receivers with optional one-addenda record for 1099 reference and invoice number.

Payroll Frequency	File Cutoff (CT)	Pay Date Math	Rejection Window	SEC Code	Tax Deposit
Weekly	3:00pm Wednesday	Friday pay / 2-day lead	2 banking days post	PPD	Semi-weekly 941
Bi-Weekly	3:00pm Wednesday	Friday pay / 2-day lead	2 banking days post	PPD	Semi-weekly 941
Semi-Monthly	3:00pm T-2	15th and last day	2 banking days post	PPD	Semi-weekly 941
Monthly	3:00pm T-2	Last banking day	2 banking days post	PPD	Monthly 941
Same-Day Payroll	4:45pm Payday	Same banking day	2 banking days post	PPD (Same-Day)	EFTPS Direct
Contractor (1099)	3:00pm T-1	Invoice terms (Net 30)	2 banking days post	CCD	1099-NEC annual

ADP, Paychex, Gusto, Workday and QuickBooks

SinglePoint accepts NACHA-formatted payroll files from ADP Workforce Now, ADP Run, Paychex Flex, Gusto, QuickBooks Payroll, Workday, UKG Pro, Rippling, Paycor and Paylocity. Files upload via secure SFTP, direct API call or manual upload inside SinglePoint. Reconciliation reports post back to the payroll processor via BAI2 or MT940 export.

Role-based access inside SinglePoint lets the payroll administrator release the batch without seeing general treasury positions. Dual-control approval rules apply at the batch level for file totals above configurable thresholds.

SinglePoint payroll processor integration panel with ADP, Paychex, Gusto and Workday connectors active

SinglePoint IRS 941 and 940 payroll tax remittance screen with EFTPS Direct routing and tax period capture

IRS 941, 940 and State Payroll Tax Remittance

Federal payroll tax deposits (Form 941 quarterly, Form 940 FUTA annual) route through IRS EFTPS Direct inside SinglePoint with federal tax deposit schedule, payment type code, period and amount captured on every entry. State withholding, state unemployment insurance and local occupational taxes to every American state labor department are supported.

Year-end W-2 reporting alignment is automatic through SinglePoint reconciliation: gross wages paid through payroll ACH match the total wages reported on Form W-2 filed with the Social Security Administration. 1099-NEC contractor payments feed the annual filing to the IRS.

Service Profile

Payroll settles as NACHA PPD (consumer) and CCD (corporate) credit batches through SinglePoint.
Same-Day ACH payroll releases up to 4:45pm ET with USD 1,000,000 per-entry cap under NACHA rules.
IRS Form 941 and 940 route through EFTPS Direct inside SinglePoint with tax period and form code capture.
Prenote validation runs 3 banking days before first live payroll; NOC R81-R89 codes auto-apply to employee master.
Payroll processor integrations: ADP, Paychex, Gusto, QuickBooks, Workday, UKG, Rippling, Paycor, Paylocity.

Employee Onboarding

Collect SSN, routing number and account number from the new hire. Run a prenote entry 3 banking days before first live payroll. SinglePoint applies any NOC feedback automatically before first pay.

Reconciliation and Reporting

SinglePoint posts payroll batch totals to the general ledger with BAI2 or MT940 export. Filter by payroll run, employee, department, pay period or GL cost center.

Exception Handling

R01 through R14 return codes surface in SinglePoint within 2 banking days of payday. Payroll administrators reissue via wire, re-origination or paper cheque based on return type.

ACH Payments

Payroll is the most common ACH flow. SinglePoint ACH origination covers every SEC code beyond payroll: CCD, CCD+, CTX, WEB, TEL and IAT.

Bill Payments

Payroll tax remittance (IRS 941, 940, state withholding) runs through SinglePoint bill pay and EFTPS Direct with tax period capture.

Wire Transfers

Reissue rejected payroll entries via SinglePoint Fedwire same-day when the employee needs irrevocable credit before the next payday.

Vendor Payments

1099-NEC contractor payments can run through SinglePoint vendor payments with PO matching and Form 1099 year-end reporting alignment.

Treasury Management

ZBA concentration inside SinglePoint funds the payroll originating account on demand so batches never fail for insufficient funds.

Transaction Reporting

Filter payroll by employee, department, pay period, return reason and GL cost center. Export to BAI2, MT940 or CSV inside SinglePoint.

What payroll frequencies does SinglePoint support?

SinglePoint supports weekly, bi-weekly, semi-monthly, monthly and quarterly American payroll frequencies. Each has its own file cutoff and pay-date math. Same-Day ACH allows file release up to 4:45pm ET on payday itself subject to the USD 1,000,000 per-entry cap.

Which payroll processors integrate with SinglePoint?

SinglePoint integrates with ADP Workforce Now, ADP Run, Paychex Flex, Gusto, QuickBooks Payroll, Workday, UKG Pro, Rippling, Paycor and Paylocity. NACHA files generated by the processor upload directly for Same-Day or Next-Day credit.

Does SinglePoint handle IRS payroll tax payments?

Yes. SinglePoint routes IRS Form 941 payroll tax and Form 940 FUTA through IRS EFTPS Direct with federal tax deposit schedule, payment type code, period and amount captured. State withholding and SUI to every state labor department are supported.

How does employee onboarding work in SinglePoint payroll?

Employee onboarding captures name, SSN, routing number and account number from the payroll processor via direct-deposit authorization. A prenote zero-dollar ACH entry validates the account 3 banking days before first live payroll. NOC R81-R89 feedback auto-applies to the employee master record inside SinglePoint.

What happens if a payroll ACH entry rejects in SinglePoint?

Rejections surface in SinglePoint with NACHA return reason codes: R01 insufficient funds, R02 account closed, R03 no account, R04 invalid account, R14 account holder deceased. Returns post within 2 banking days of payday; the payroll administrator reissues via wire, re-origination or paycheck.

SinglePoint Payroll Services: ACH Direct Deposit for American Employers

CCD and PPD Payroll Credit Batches in SinglePoint