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Payroll Cards For Employees- A Radical Shift In Salary Ecosystem

Caring for employees makes a business seem thoughtful and reliable. Employee satisfaction is a two-way street- you get what you give. Better the employee wellness policies, more the employee happiness. Happy employees are productive employees. The easiest way to make employees happy is to pay them on time. A regular salary cycle improves your goodwill amongst the employees and makes them feel that they have a financial safety net around them at all times. Salaries are usually given by cheques, direct transfers into their bank accounts, or in some rare cases, in cash. While these are the prevalent modes of salary deposits, payroll cards are quickly turning heads in being the easiest and fastest way to credit employee salaries.

A payroll card is a debit card issued by the employer to each employee. Salaries are directly added to their payroll cards, thus giving them instant access to their pay. There are numerous advantages of using payroll cards to credit employee salaries. Both the employer and the employees can benefit immensely from adopting payroll cards in their portfolios.

Benefits For Employees

Instant Access to Salary

When salaries are credited using traditional modes of payments like cheques, it takes days for the money to reflect in your bank account. All this time, your funds are blocked and you cannot use them. While the bank transfer is fast and convenient, it carries with it a certain amount of risk. Payroll cards are the fastest way to gain access to your pay.

No Bank Account

The beauty of payroll cards is that you do not need a bank account for them! India has around 190 million adults who still don't have bank accounts. And even if you have one, there is always the hassle of maintaining a minimum balance, paying annual maintenance fees, and transaction charges on basic services. A payroll card omits all these issues.

Ease of Use

You can use your payroll card as a simple debit card. It can be used to withdraw money at an ATM, pay for shopping at any merchant's outlets, and even for online shopping. You can avoid carrying a huge wad of cash and just pay with your payroll debit card.


Payroll cards, especially the ones issued by EnKash, offer huge rewards on every transaction. So by using your payroll card to pay, you are also earning back perks at the same time.

Benefits For Employers

Increased Reliability

Paper cheques are the least reliable way to credit employee salaries. They can be lost, torn, or damaged. They can also bounce if the employee name or any other information mentioned on it does not match the bank records. These hassles are eliminated by a payroll card. You can be sure that your employee receives their salary instantly.

Time and Cost-Efficient

Paying salaries traditionally requires a lot of time and focus. One misspelling and you gotta start all over again. Not to mention, the numerous approvals to be taken and cheques to be signed. Payroll cards save a lot of time and effort. Simply transfer salaries at a touch of a button to a specific payroll card and voila!


Going green is the next agenda of all sustainable businesses. A payroll card helps you build your sustainability quotient by eliminating most of the paperwork. No need for cheques, manual data entries, envelopes, etc.

Payroll cards are going to change the face of the payroll industry. With their ease of usage, increased employee wellness, and paperless approach, they are a beacon of hope for a switch in the traditional methods of payroll. EnKash also offers a powerful spend management platform that can also allow employers to keep a track of all payroll cards from a single dashboard. You can monitor which payroll cards are loaded with salaries, that are not in use anymore, are nearing expiry and need to be re-issued, or need to be discontinued. Make your employees happy by enrolling for EnKash Payroll cards now!

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