AI-Native Payroll for American Business

Pay your crew.
Seamlessly.
Every time.

FinSeam is the only payroll platform built for the real backbone of America — your restaurant, your station, your salon, your store. AI handles the complexity so you never miss a beat.

Get Started Free → See how it works ↓
14,000+
SMBs Running Payroll
$1.2B+
Wages Processed
50
States Covered
This Week's Payroll
AI Ready
✦ FinSeam AI
3 tip adjustments detected. Maria's cash tips from Sat–Sun have been auto-reconciled. Estimated tax variance: +$42. All set for Friday's run.
MR
Maria Rodriguez
Server · Restaurant
38h + tips
$824.00
DJ
DeShawn Johnson
Stylist · Salon
40h + commission
$1,140.00
PK
Priya Kumar
Cashier · Grocery
32h
$576.00
Total Payroll Run
$12,840
🤖
Tip pooling calculated
Automatically by AI
⚡
Same-day direct deposit
For eligible employees
Industries We Serve

Built for the way
you actually work

Every segment has its own payroll chaos. FinSeam's AI knows your world — tips, shift differentials, commission structures, seasonal swings and all.

🍽️
Restaurants & Cafes
Tip pooling, FICA tip credit, tipped vs non-tipped splits, last-minute schedule changes — handled without a spreadsheet in sight.
Tip Reconciliation FICA Credit BOH/FOH Split
⛽
Gas Stations & C-Stores
24/7 shift scheduling, overnight differentials, fuel spiff tracking, and multi-location rollup for franchise owners.
Shift Differential Multi-Location Spiff Payouts
✂️
Salons & Barbershops
Booth renters vs. employees, commission tiers, service vs. product splits — FinSeam keeps stylists happy and owners covered.
Commission Tiers Booth Renters 1099 + W2
🛍️
Retail Stores
Sales incentives, seasonal workers, part-time/full-time flex, and holiday pay — all automated so you can focus on the floor.
Sales Incentives Seasonal Workers Holiday Pay
🛒
Grocery Stores
Union vs. non-union pay scales, department-based wage tracking, and ACA compliance for your full-time and part-time staff mix.
Union Pay Scales ACA Tracking Dept. Allocation
🏥
Home Services & More
Landscaping, cleaning, auto repair, childcare — any local business with hourly workers, contractors, or a mixed workforce.
Mileage Reimbursement Contractor Mix Job Costing
Platform Features

Intelligence, woven
into every payroll

FinSeam doesn't just automate payroll — its AI actively watches, learns, and protects your business every pay period.

✦ FinSeam AI
Ask anything. Get answers instantly.
Your AI payroll assistant speaks plain English. No manuals, no phone trees. Just answers — any time, night or day.
You
Do I owe overtime this week for Carlos? He worked 44hrs at the restaurant and 6hrs at my other location.
FinSeam AI
Yes — because both locations are under the same FEIN, the hours aggregate to 50 total. Carlos is owed 10 hours of overtime at 1.5× his base rate of $15/hr. I've already flagged this in the current payroll run. Want me to apply it?
⏱️
Smart Time & Attendance
Syncs with your POS, scheduling tools, and time clocks. AI detects missed punches, early clock-outs, and overtime risks before you run payroll.
📊
Labor Cost Forecasting
Know your labor costs before the week is over. AI models trends, flags overspend, and suggests schedule adjustments in real time.
🏛️
Automated Tax Filing
Federal, state, and local payroll taxes computed, filed, and deposited automatically. Quarterly 941s and annual W-2s handled without lifting a finger.
💸
Earned Wage Access
Give employees access to earned wages before payday. Reduce turnover, improve morale, and compete with big employers — at no cost to you.
🔗
Integrations Built In
Toast, Square, Clover, Lightspeed, QuickBooks, Gusto benefits, and 80+ more. Your tools, seamlessly connected.
Compliance Engine

50-state compliance.
Zero headaches.

From California's PAGA exposure to New York's Wage Theft Prevention Act, local minimum wages, and tip credit rules — FinSeam's compliance engine has you covered coast to coast.

✓
Automatic Minimum Wage Updates AI monitors 600+ local wage floors. Your rates update the day changes take effect.
✓
Tip Credit & FLSA Compliance Tipped employee tracking, tip credit calculation, and FLSA overtime rules applied correctly every time.
✓
New Hire Reporting FinSeam files new hire reports with all 50 states automatically the day an employee is added.
✓
Workers' Comp Integration Pay-as-you-go workers' compensation synced directly to payroll. No deposits, no audits.
Compliance Coverage Map
All 50 states actively monitored for wage law changes
CA
NY
TX
FL
IL
WA
PA
CO
GA
MA
OR
AZ
NV
MN
MI
NJ
OH
WY
MT
NC
VA
ND
SD
TN
MO
IN
WI
KY
OK
ID
Full coverage
Active monitoring
Standard
Simple, Honest Pricing

Grow without payroll
growing pains

No hidden fees. No per-check charges. Just one price for the payroll solution your business deserves.

Seed
For the smallest shops
$39
/ month + $6 per employee
  • Full payroll processing
  • Federal & state tax filing
  • Direct deposit
  • W-2 / 1099 filing
  • Basic AI assistant
  • Up to 10 employees
★ Most Popular
Growth
For scaling SMBs
$79
/ month + $8 per employee
  • Everything in Seed
  • Full AI payroll assistant
  • Tip & commission management
  • Labor cost forecasting
  • Earned wage access
  • Time & attendance sync
  • Multi-location support
  • Up to 75 employees
Enterprise
For multi-unit operators
Custom
Volume pricing available
  • Everything in Growth
  • Unlimited employees
  • Franchise / multi-EIN mgmt
  • Dedicated payroll specialist
  • Custom integrations
  • SLA-backed support
  • Workers' comp integration