Provider directory · Use case
Deduction and benefit write
10 of the 24 providers assessed document deduction and benefit write in their own public documentation. 3 publish nothing that answers it; the rest do not offer it.
- Direction
- Write
- What it needs from payroll
- Deduction codes, tax treatment, amount vs percent, effective dating and retro adjustment.
- Typical buyers
- Benefits administrators, insurers, HSA/FSA providers, EWA repayment.
Providers that document it
| Provider | Value | Conf | What the documentation says |
|---|---|---|---|
| Bindbee Employer-permissioned unified APIs | Yes — via payroll-run write | D | 'Write a Payroll Deduction' pushes deductions through POST /api/hris/v1/employee-payroll-runs using codes from /payroll-codes; Workday accepts one deduction per request. Source |
| Finch Employer-permissioned unified APIs | Yes — Deductions API | D | Create company-wide deductions and enroll or unenroll individuals across 401(k), HSA, FSA and Section 125. Write coverage is listed as 5 automated and 20+ assisted providers; assisted writes land within 2 business days. Source |
| Guideline 401(k) providers | Deferrals synced to payroll | D | 'Employee deferral elections made in our 401(k) platform will automatically sync to your payroll system.' Source |
| Human Interest 401(k) providers | Contribution changes written | D | Integrates with the payroll provider, 'automatically updating contribution amounts in payroll every time an employee updates their election in their dashboard.' Source |
| Knit Employer-permissioned unified APIs | Yes — create / enroll | D | hr.deductions.create plus enroll, unenroll and update; enroll is supported for ADP Run, Paycor, Paychex, Paylocity, PrismHR, Avionte, ADP Workforce Now and QuickBooks Payroll. Source |
| Payactiv Earned wage access providers | Deduction file per pay cycle | D | 'At the end of each pay cycle, Payactiv provides the employer with a deduction file containing the amount of the EWA and any applicable fees'; the employer deducts and remits, with written employee consent per transaction. Source |
| Payroll Integrations 401(k) payroll connectivity | Deferral and loan changes | D | Supports employee deferral changes and loan changes from recordkeeper to payroll provider through '360 integration' for most partnered payroll providers, excluding Paycom and UKG, pushed back through the payroll provider's API. Source |
| Truv Consumer-permissioned payroll APIs | Yes — Paycheck Linked Lending | D | 'Collect loan repayments automatically by deducting payments directly from the borrower's paycheck', as amount or percent of net pay. Benefit-election writes are not covered. Source |
| Unified.to Employer-permissioned unified APIs | Yes — deduction CRUD | D | Deduction is 'Employee-specific deduction/benefit enrolment' (benefit_id, amount, FIXED/PERCENTAGE, frequency), with POST and PUT. Source |
| Vestwell 401(k) providers | Deferrals written back (360°) | D | With 360° integration Vestwell is responsible for 'Updating employee deferral information in your payroll system once employees make changes on the participant portal.' Its OnPay guide says Vestwell sets up its own 401(k)/Roth deduction codes and deactivates existing ones. Source |
Providers where it is unverified
We looked and the provider publishes nothing that answers it. That is not the same as the capability being absent.
| Provider | What a correct answer needed |
|---|---|
| Argyle | A 'Paycheck-linked lending' Link flow is listed, but no endpoint writing a payroll deduction was found. A correct answer needed a documented deduction-write API. |
| Atomic | Current docs list Deposit and Verify for payroll plus merchant switching; no payroll deduction write was found. |
| Pinwheel | Paycheck-linked lending is marketed ('Underwrite and repay loans directly from the source of income'), but no public endpoint writing a payroll deduction was found. A correct answer needed a documented deduction-write API. |