The employer only provides assistance in the completion of the form. Many of these companies have different programs as to how they get paid based on the amount of payroll needed by their clients. An extra employee or another company can also be hired to do all the administrative payroll tasks.
Many of these companies have different programs in order to make money out of the payroll required by their respective clients. It requires a one time, relatively small investment compared to hiring someone who strictly does the payroll only. To avoid having your bank keep that money until the last moment before paying your payroll, you should make your transfer schedule so that does not happen.
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