For UK recruitment agencies
From April 2026, if an umbrella company in your supply chain fails to pay PAYE or NIC, HMRC can collect that debt from you. No other payroll software was built for this.
60,000+ recruitment agencies affected · HMRC enforcement active from April 2026
Agency plan · £79/month · No credit card required during trial
Finance Act 2025 receives Royal Assent
PAYE/NIC liability transfer provisions written into law. 12-month implementation period begins.
Liability transfer live
From this date, if an umbrella company fails to account for PAYE/NIC, HMRC can collect that liability from the recruitment agency in the supply chain.
No compliant SaaS product exists
Traditional payroll software (BrightPay, Moneysoft, Sage) was built for employers. None of them address the agency tier. Agencies are currently buying law firm advice at £300–500/hr.
Six tools your law firm doesn't have. All automated. All in one dashboard.
Live PAYE liability dashboard
30, 60, 90-day PAYE exposure per umbrella. Aggregated to a single agency-wide number. Updated on every reconciliation cycle.
FCSA monitoring — daily
Every umbrella on your panel is checked against the FCSA member list every morning at 06:00. Lapse detected within hours. Panel suspended automatically. Human QA alerted.
Fraud score per umbrella
7 HMRC mini-umbrella indicators scored 0–7. Score ≥4: immediate escalation to founder with sanitised summary to agency. Score ≥6: suspend_immediately flag raised.
Companies House screen
On-demand CH filing status + director check. Strikes-off, overdue accounts, new incorporations flagged before they cause a problem.
Reconciliation engine
Umbrella submits gross invoice + net pay data. Engine reconciles every worker line. NLW compliance checked. Variance >£200 holds the batch.
Due diligence PDF report
One-click export per umbrella. FCSA status, fraud score, CH history, reconciliation record. Your compliance file, automatically maintained.
HMRC published 7 indicators of mini-umbrella fraud in their 2023 guidance. payroll.law scores every umbrella against all 7 — automatically, on every daily screen.
Recently incorporated
Under 12 months old — common in phoenixing schemes.
Non-UK bank account
HMRC uses this as a key mini-umbrella indicator.
HMRC avoidance list
Company appears on HMRC Named Tax Avoidance Schemes list.
FCSA not a member
Claiming FCSA accreditation without current membership.
Suspicious VAT reg
Recent flat-rate VAT registration — used to extract margin.
Unusually low margin
Reported margin below 1% of gross — economically implausible for a legitimate umbrella.
Abnormal margin claim
Margin reported by agency does not reconcile with Companies House filings.
Score ≥ 4: Immediate escalation — founder notified, sanitised summary sent to agency compliance team. New worker placements paused pending review. Evidence pack generated automatically.
Umbrella FCSA membership lapses
Without payroll.law
You find out months later when a contractor complains. Agency liable from the lapse date.
With payroll.law
Detected at 06:00 the next morning. Panel suspended automatically. You are notified before placing another worker.
Umbrella fails to pay PAYE/NIC
Without payroll.law
HMRC issues a Regulation 80 determination against your agency. First you hear of it is the letter.
With payroll.law
Reconciliation variance detected before it becomes an HMRC issue. Escalation raised. Evidence pack ready.
New umbrella approaches your panel
Without payroll.law
Your compliance team googles the company. Maybe checks Companies House. No fraud scoring.
With payroll.law
One-click CH screen + fraud score (7 indicators) + FCSA status check. Approval or rejection with audit trail.
HMRC inquiry into your umbrella workers
Without payroll.law
You have payslips in a folder. No audit trail of your compliance activity.
With payroll.law
Complete audit log: every screen, every alert, every approval decision, every reconciliation. Exportable PDF.
Flat monthly fee. Unlimited umbrellas on your panel.
Agency
Unlimited umbrellas · Unlimited workers · 14-day free trial
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