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.
Priced per employer, not per employee · 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 We Switch Payroll protects your agency →
Employer tier
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
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 | Quote only | ✓ | ✓ | ✗ | Desktop discontinued after Apr 2026 — cloud is quote-only. 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. |
| We Switch Payroll | At launch | ✓ | ✓ | ✓ | 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
Priced per employer, by headcount band.
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.
7-day free trial on all plans · Card details required up front · Billing starts automatically at day 7 · Cancel any time before then
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.
Card details required. Billing starts automatically when your 7 days are up.