UK payroll · RTI · auto-enrolment
For micro-employers who want PAYE done in 5 minutes. For recruitment agencies managing their Finance Act 2025 umbrella PAYE liability. For umbrella companies serious about FCSA compliance.
From £7/month per employer · No contracts · Cancel anytime
Finance Act 2025: recruitment agencies now hold direct PAYE liability from April 2026
If a worker's umbrella company fails to pay PAYE/NIC, HMRC can now recover that liability directly from the recruitment agency. 60,000+ UK recruitment agencies are affected. No traditional payroll software addresses this. See how payroll.law protects your agency →
Employer tier — from £7/month
Run payroll, submit RTI, manage auto-enrolment — without a payroll bureau or a desktop app.
PAYE calculation
2026/27 rates. All tax codes, all NI categories. K codes, W1/M1, BR — handled automatically.
RTI to HMRC
FPS on every payday. EPS for nil periods and statutory pay reclaim. IRmark + HMRC PAYE API.
Auto-enrolment
Eligible jobholder assessment every pay run. Enrolment notices, opt-out window, 3-year re-enrolment.
Payslips + P60 + P45
Branded payslips generated and emailed. P60 at year end. P45 on leavers.
Statutory pay
SSP, SMP, SPP, ShPP, SPBP — all 2026/27 rates. No waiting days under ERA 2025.
Student loan
Plan 1, 2, 4 Scotland, Postgrad. Correct thresholds and deduction rates applied automatically.
Agency tier · £79/month
No other payroll software monitors umbrella FCSA compliance, scores mini-umbrella fraud risk, or gives you a live PAYE liability dashboard. Your competitors are still paying £300/hr lawyers for advice this product delivers automatically.
Finance Act 2025 dashboard
Live PAYE liability exposure per umbrella — 30, 60, 90-day windows. Know your risk before HMRC does.
FCSA status monitoring
Daily automated check against the FCSA member list. Lapse detected in hours — panel suspended automatically.
Fraud score (0–7)
7 HMRC mini-umbrella fraud indicators scored per umbrella. Score ≥4 triggers immediate founder escalation.
CH + financial viability
Companies House filing status and credit profile on every new umbrella before they touch your panel.
Reconciliation engine
Gross invoice → net pay reconciliation. NLW compliance checked per worker. >£200 variance holds batch.
Due diligence reports
Single-click PDF report per umbrella — evidence pack for your agency compliance file.
Every competitor stops at employer payroll. We add the agency layer that Finance Act 2025 demands.
| Product | Price | RTI | Auto-enrolment | Agency tier | Notes |
|---|---|---|---|---|---|
| BrightPay | £119/yr | ✓ | ✓ | ✗ | Desktop. No agency tier. No FCSA monitoring. |
| Moneysoft | £79/yr | ✓ | ✓ | ✗ | Desktop. No agency tier. Bureau only. |
| Sage Payroll | £7/employee | ✓ | ✓ | ✗ | Cloud. Per-employee pricing. No agency tier. |
| Xero Payroll | £5+/mo | ✓ | ✓ | ✗ | Cloud. Employer only. No RTI specialist features. |
| payroll.law | From £7/mo | ✓ | ✓ | ✓ | Cloud. Employer + Agency + Umbrella. Finance Act 2025 compliance built in. |
Per-employer pricing. No per-employee fees. No surprise add-ons.
Employer
PAYE, RTI and auto-enrolment for your business
1–5 employees. Scale to £49/mo for up to 50.
Agency
Manage your umbrella panel under Finance Act 2025
Unlimited umbrellas on your panel.
Umbrella
PAYE processing and FCSA compliance for umbrella companies
Unlimited contractors.
14-day free trial on all plans · No credit card required · Cancel anytime
Every payroll run goes to our Human QA team before the FPS reaches HMRC. A trained reviewer checks gross pay, tax, NI and pension for every employee. No FPS is ever submitted to HMRC without human sign-off. In a world where an incorrect RTI submission triggers HMRC penalties, this is the feature your accountant will thank you for.
No credit card required. Full access on all plans.