Atto offers two payroll processing speeds to ensure your team is paid on time. The funding timeline depends on your company’s setup and payment history.
Processing Options
4-Day Processing (Default for New Companies)
Applies to new businesses or those without prior payroll history.
Also applies to companies paying only contractors (no W-2 employees).
Example: If payday is Friday, payroll must be approved by Monday.
2-Day Processing
Default for existing businesses with an established payroll history.
Faster turnaround: If payday is Friday, approve payroll by Wednesday.
Great for companies that have already run payroll reliably with Atto or elsewhere.
When Will Employees Get Paid?
Direct deposits typically land early on payday, often before 9:00 AM local time, depending on the employee’s bank.
| Note: Banking holidays can occasionally delay processing.
How to Qualify for 2-Day Processing
To upgrade from 4-day to 2-day processing, your business must meet one of the following:
Run 10 consecutive payrolls with no insufficient funding issues,
or
Submit 2 months of bank statements showing sufficient payroll coverage.
| To request an upgrade, contact our team.
Payroll Funding Timeline
Payroll is funded the day after the approval deadline.
Make sure sufficient funds are available in your account to cover payroll.
If funding fails or is delayed:
Payroll may be paused.
You may need to resubmit the file, wire funds, or rerun payroll once funds are available.
Maintaining the right funding schedule is critical to ensure your team is paid on time and without errors.
Need more help?
If you have questions about processing speed, funding timelines, or upgrading your setup, reach out to our team — we’re here to help.