What Worklio does

Worklio, Inc. is a private U.S. company that provides a multi-tenant, white-label payroll and HR SaaS platform delivered through an API-first architecture. The platform covers payroll processing, payroll tax calculations and filings, ACH payments and reconciliation, HR and onboarding, benefits administration, time and attendance, scheduling, E-Verify/I-9, and income/employment verification, with specialized modules for certified payroll (WH-347, prevailing wage) and union labor. Built on Microsoft Azure using a .NET Core backend, Vue.js/TypeScript frontend, Azure SQL, and Azure Key Vault, the system exposes 1,000+ REST API endpoints with webhook-driven workflows, a developer sandbox, and a white-label UI library that lets partners choose headless, hybrid, or hosted launch paths. The platform holds SOC 2 Type II, ISO/IEC 27001:2013, ISO/IEC 27018:2019, and ISO/IEC 9001:2015 certifications.

Worklio serves a partner-led customer base rather than selling directly to employers. Its primary customers are PEOs and ASOs (notably FrankCrum with 70,000 worksite employees and DecisionHR with ~30,000), with additional distribution through payroll service bureaus, staffing firms and BPOs, accountants/CPAs, VARs/resellers, ERP and workforce management platforms, vertical SaaS ISVs, marketplaces, and fintech/lending platforms. The platform supports employers ranging from 1 to 50,000+ worksite employees across all 50 U.S. states, with cumulative throughput of $30B+ in payroll and taxes, 20M+ ACH transactions, and 4M+ W-2s/1099s processed. Headquartered in Miami with offices in San Ramon, CA and a large R&D hub in Brno, Czech Republic, the company was founded in 2017 (core team roots to 2002), is 100% founder- and employee-owned, and has raised approximately $20M from friends and family with no venture capital.

Revenue is generated through a combination of platform subscription/API access fees charged to partners, per-transaction and usage-based fees on payroll runs, tax filings, and ACH volume, and white-label/OEM licensing fees for ISVs and vertical SaaS platforms that rebrand and resell the stack. Pricing is quote-based and sales-led with multi-year contracts; no public price list is published. The company operates a hybrid GTM combining enterprise direct sales (Request a Demo), an extensive partner referral and reseller channel, developer-focused documentation and sandbox access for engineering teams, content marketing via its blog, and presence at PEO industry events such as NAPEO.

Name

Worklio

Legal name

Worklio, Inc.

Website

https://worklio.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Worklio is a bootstrapped, private SaaS company that provides API-first, white-label, multi-tenant payroll, tax, payments, benefits, and HR infrastructure embedded inside platforms, PEOs, ASOs, payroll bureaus, vertical SaaS, and partner channels across all 50 U.S. states.

Ownership category

akta.pro rank

Product category

Embedded Payroll & HR Software

NAICS

Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Professional Employer Organizations (561330)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Payroll Software & Payroll-as-a-Service (SaaS) (BPACAIAB)

akta.pro secondary industries

Human Capital Management (HCM) & Payroll Platforms (HDAEAEAJ), Employer Payroll Processing (SMB & Enterprise) (FSAMAKAA), Managed Payroll Services (Full-Service Payroll Outsourcing) (BPAAAHAA)

Keywords

• Embedded payroll software
• PEO platform technology
• Payroll API infrastructure
• Multi-tenant HR software
• White-label payroll solutions

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Platform Subscription / API Access: Worklio generates revenue primarily through platform subscription fees charged to partners (PEOs, ASOs, ISVs, vertical SaaS platforms, payroll bureaus) who embed the payroll infrastructure via APIs or white-label. Access is tiered based on API volume, feature modules, and partner tier.
2. Per-Transaction / Usage-Based Fees: Revenue tied to transaction volume including payroll runs, tax filings, payments processed, and ACH transactions. Supports the usage-based consumption model for partners with variable payroll volumes.
3. White-Label / OEM Licensing: White-label embedding fees charged to ISVs, vertical SaaS platforms, and ERPs that rebrand and resell the payroll stack under their own brand. Modular pricing allows partners to add features (HR, benefits, time, compliance) as needed.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Worklio provides a multi-tenant, white-label embedded payroll and HR SaaS platform delivered API-first to PEOs, ASOs, vertical SaaS platforms, payroll service bureaus, and ERP/workforce platforms. The platform combines payroll processing, automated tax calculations and filings, ACH payments and reconciliation, benefits administration, HR and onboarding, time and attendance, scheduling, and compliance modules (E-Verify, I-9, certified payroll, union payroll) so partners can launch and run payroll under their own brand without building the infrastructure themselves.

Product overview

Worklio is a multi-tenant, white-label payroll and HR SaaS platform with embedded API-first architecture. The platform is organized into three main product categories: Payroll Core (Payroll, Tax Filing & Compliance, Payments & Money Movement), Workforce Operations (HR & Onboarding, Benefits Administration, Time & Attendance, Scheduling), and Compliance & Verification (E-Verify & I-9 Compliance, Income & Employment Verification). The Embedded Payroll product enables platforms to launch payroll via APIs with white-label delivery options. The platform serves PEOs, ASOs, payroll service bureaus, staffing firms, and vertical SaaS companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Payroll Core payroll processing engine enabling partners to run payroll, direct deposits, and employer payroll workflows directly inside the Worklio platform or embedded in partner products.
• Tax Filing & Compliance Automated payroll tax calculations, filing workflows, and compliance tasks across employer scenarios, available across all 50 U.S. states.
• Payments & Money Movement ACH payments, payroll journals, accounting exports, and reconciliation with reduced manual cleanup for partners running payroll.
• HR & Onboarding Employee onboarding, records management, documents, and self-service capabilities integrated with payroll processing.
• Benefits Administration Benefits enrollment, deductions, time-off rules, and employee-facing reporting within the same platform as payroll.
• Time & Attendance Time tracking and attendance workflows connected directly into payroll processing.
• Scheduling Employee scheduling capabilities integrated with workforce operations and time tracking.
• E-Verify & I-9 Compliance Built-in E-Verify and I-9 employment eligibility verification compliance module for U.S. employers.
• Income & Employment Verification Verification services for income and employment status to support lender, landlord, and other third-party verification requests.
• Embedded Payroll API-first embedded payroll infrastructure allowing platforms, marketplaces, and service providers to launch payroll products with white-label UI, a modular stack, and implementation support.

Quantifiable outcome

• $30+ billion in cumulative payroll and taxes processed since 2017
• +6 more outcomes

Named customers3 records

Segments10 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature10 records

Partnerships

Nine partnerships are on record, tiered flagship, core and minor.

• FrankCrumflagshipChannel Partner/ Reseller/ Distributor · 19 May 2021FrankCrum, one of the fastest-growing PEOs in the U.S., selected Worklio as its Human Capital Management (HCM) technology platform. Worklio provides FrankCrum's entire payroll engine, HR, workers' compensation, and benefits administration infrastructure for its 4,000 client companies and 70,000 worksite employees. This represents one of Worklio's largest and most prominent PEO customer partnerships.
• DecisionHRcoreChannel Partner/ Reseller/ Distributor · 4 September 2018DecisionHR, a large Florida-based PEO with close to 30,000 worksite employees, partnered with Worklio for its PEO Payroll Software and HRIS. DecisionHR evaluated Worklio over 12+ months and recognized Worklio as representing 'the future of the PEO industry.' DecisionHR is based in St. Petersburg, Florida and has been in business for 20 years serving SMBs nationwide.
• The Doyle GroupcoreChannel Partner/ Reseller/ Distributor · 24 August 2018The Doyle Group, an Ohio-based full-service CPA firm and ASO with over 5,000 worksite employees in 150 client companies across five states, selected Worklio over nine competitors following a rigorous software selection process. The Doyle Group was attracted by Worklio's robust payroll software, HR offerings, and intuitive platform.
• VARs / ResellerscoreChannel Partner/ Reseller/ DistributorValue-added resellers and strategic partners resell Worklio's embedded payroll capabilities to their existing customer bases across various verticals and geographies. Partner types include VARs, ISVs, vertical SaaS platforms, ERP/workforce platforms, accountants, staffing firms, and payroll bureaus.
• ISVs / Vertical SaaScoreChannel Partner/ Reseller/ DistributorIndependent Software Vendors and vertical SaaS platforms (serving construction, healthcare, hospitality, retail, transportation, financial services, etc.) embed Worklio's payroll APIs to add native payroll and HR inside their industry-specific platforms, monetizing embedded payroll as a recurring revenue line.
• ERP / Workforce PlatformscoreTechnology or IntegrationERP and workforce management platforms integrate Worklio APIs to complete their HCM offering, adding payroll where employee data and workforce operations already exist. This deepens product value, increases retention, and enables co-selling with Worklio.
• Staffing Firms / BPOscoreChannel Partner/ Reseller/ DistributorStaffing companies and business process outsourcing firms use Worklio to connect hiring, onboarding, workforce administration, and payroll in one recurring operational flow. Worklio supports the complex pay structures and high-volume hiring cycles typical of staffing operations.
• Accountants / Bookkeepers / CPAsminorChannel Partner/ Reseller/ DistributorAccounting firms, bookkeepers, and CPAs offer client-ready payroll services using Worklio's white-labeled platform, reducing manual back-office work and improving visibility across multiple client accounts.
• Payroll Service BureauscoreChannel Partner/ Reseller/ DistributorPayroll service bureaus modernize their operations by white-labeling Worklio's infrastructure, replacing legacy systems with API-driven multi-client payroll processing to serve employer clients at scale.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Gusto: Gusto is a leading SMB payroll, HR, and benefits platform that has expanded into embedded and API-based offerings, making it a broad incumbent competitor in payroll SaaS.
• Rippling: Rippling is a unified workforce management platform spanning payroll, HR, IT, and finance — competing with Worklio for embedded payroll deals inside vertical SaaS and ERP platforms.
• Paychex: Paychex is a large SMB and mid-market payroll/HR incumbent with PEO services (Paychex PEO) — a broad incumbent competitor in payroll processing and PEO technology.

Direct peers

• isolved: isolved is an HCM platform serving PEOs, ASOs, and SMB employers with payroll, HR, and benefits — a direct competitor in the PEO/ASO technology buyer segment.
• Check: Check is an API-first payroll infrastructure platform that enables SaaS, fintech, and vertical platforms to embed payroll — directly comparable to Worklio's core embedded payroll proposition.
• Pinwheel: Pinwheel offers payroll-data APIs for direct deposit switching, income & employment verification, and earned wage access — competing in the same API-first payroll infrastructure category as Worklio.
• Finch: Finch provides a unified employment API that lets platforms read and write to HR/payroll systems of record — directly comparable to Worklio's API-first, embed-into-any-platform positioning.
• Atomic: Atomic provides payroll-linked APIs for income verification, direct deposit switching, and embedded financial services — a directly comparable API-first payroll infrastructure peer.
• PrismHR: PrismHR is a PEO technology platform providing payroll, HR, and benefits infrastructure to PEOs and ASOs — Worklio's most direct competitor in serving the PEO/ASO channel.

Emerging players

• Deel: Deel is a global payroll and Employer of Record platform rapidly expanding into U.S. payroll — overlapping with Worklio in embedded payroll for platforms with U.S. employer needs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/worklio
• Facebookfacebook.com/worklio

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Worklio