News / Updates / Blog

Proof of TIN

There are certain requirements that must be met when providing proof of a company’s tax ID number.

Handwritten documents are NOT acceptable.

The following types of documents will be accepted by NatPay:

  • SS4 Form or Letter 147C

  • Filed 941 or 940 Form (Both pages with a signature under Part 5.)

  • Form 8865 or 8821 (Both forms in a printed format and with a signature on the bottom page.)

  • Screenshot of EFTPS Batch Provider Enrollment that displays the legal business name of the company and their EIN or TIN number.

  • An official governmental form that contains the printed FEIN number and the legal business name of the company. If the document requires a signature, it must be signed.

ABA Urges Fed to Back NACHA Same-Day Payments Rule

ABA today urged the Federal Reserve to approve the recent rule change from NACHA, the electronic payments association, that would require financial institutions to have same-day ACH capability and require sending institutions to pay a 5.2 cent per-transaction fee to offset the costs of participating in same-day ACH.

ABA noted that mandatory participation and interbank compensation are essential to a well-functioning same-day ACH process. The association contrasted the NACHA plan with the regional Federal Reserve Banks’ FedACH SameDay Service, which includes a voluntary opt-in. “The program is five years old and only 100 financial institutions use it,” ABA said. “The benefits of offering this service as an ODFI are limited because there are a limited number of RDFIs that accept the faster payment.”

ABA encouraged the Fed to support the NACHA rule change — and include its provisions in the Fed banks’ operating documents — so that financial institutions can begin implementing same-day ACH for their customers without further delay. The Fed will continue to accept comments through July 2, and ABA encouraged bankers to submit comments in favor of the NACHA proposal. For more information, contact ABA’s Steve Kenneally.


ABA Urges Fed to Back NACHA Same-Day Payments Rule

We are OPEN on July 3, 2015

Friday, July 3, 2015 is not a Federal Banking Holiday. The Federal Reserve will be open on this day, as well as NatPay.

However, we understand that some banks may be closed on Friday, July 3, 2015. If your bank is closed on this day, you may want to consider transmitting one day earlier than your normally-scheduled transmission date.

Please review your calendar to see if these dates and times affect you. If you don’t have a calendar, please contact us.

If you have any questions, please contact customer service via our online form, by email at [email protected], or by calling 813-222-0333.




Memorial Day

Monday, May 25, 2015 (Memorial Day) is a Federal Banking Holiday. The Federal Reserve will be closed on this day, as well as NatPay.

If you have a file transmission that falls between the dates of Tuesday, May 19, 2015 through Monday, May 25, 2015 you may need to transmit one day earlier than your normally-scheduled transmission date.

Please review your calendar to see if these dates and times affect you. If you don’t have a calendar, please contact us.

If you have any questions, please contact customer service via our online form, by email at [email protected], or by calling 813-222-0333.

Big Fish Payroll selects NatPay as Vendor of the Year


December 22, 2014 – Each year Big Fish Payroll Services selects one vendor that they work with as their vendor of the year.  For 2014, Big Fish has selected NatPay.
Their decision is based upon several factors, including which company;
  • Offers great support to Big Fish employees
  • Is easy to work with
  • Is responsive to their clients during both the sales cycle and ongoing support
  • Increases the value of their client relationship with Big Fish
  • Has helped Big Fish client retention
  • Has helped Big Fish grow

“Your team is always helpful and responsive, and although it is unfair to acknowledge just a few because your entire team is helpful, special kudos to Dawn, Josh, Denise, Lucy, and Sarah. In the constantly changing banking and money movement landscape we are thankful for a helpful partner such as you. We remain committed to NatPay, and look forward to future software enhancements to make the process even easier than it is today.”

Justin Dignam, Founder & CEO – Big Fish Payroll Services

Enhanced Direct Deposit Features

NatPay is excited to announce several new features and enhancements to our Direct Deposit processing systems. These updates include:

• Completion of the Returns System upgrade
• Downloadable returns in spreadsheet format
•  Enhanced system security features
• Improved wire-client management

Returns System Upgrade

NatPay has recently completed the upgrades to the Returns System to boost productivity, and process returns with greater precision.

Downloadable Returns

Beginning 09/09/2014 NatPay will offer our payroll processors the ability to download their returns as a spreadsheet from

If you have returns, a spreadsheet will be available each morning that shows your returns for the day. After NatPay’s first closeout, around 5:00 p.m. ET, a second spreadsheet will be available outlining the resolution details for each return.

Enhanced System Security Features

For enhanced security and functionality, NatPay’s Direct Deposit processing systems now support multiple, unique login IDs for a client’s account. Each unique login ID may have its own password, and varying degrees of permissions set for controlled system access.

Please note that beginning in October 2014, ONLY the payroll processors that are setup for enhanced system security will have the ability to use the Manual Entry feature of the system.

Improved Wire-Client Management

If you upload a file to for a client marked asALWAYS wire, the system will ask you to confirm that this is a wire client. Additionally, you will have the option to change the funding method for this particular file to ACH. Please keep in mind that normal timing limitations apply.

Processors who have clients that OCCASIONALLY wire funds will be able to designate a batch as a wire batch while doing the upload beginning on 09/09/2014.

To see demonstrations of the new features, or signup for those that you are interested in, please contact:

Dawn Cafaro
[email protected]
813.222.0333 x104

New, Wire Transfer Draw-Down Services from NatPay

 Reverse Wires

National Payment Corporation (NatPay) now offers Wire Transfer Draw-Down Services (Reverse Wires) to our Professional Payroll Processors (PPPs).

What is a Reverse Wire?

A Reverse Wire authorizes NatPay to withdraw funds from a PPP client’s account via a wire transfer based on the client’s pre-approval.

A Reverse Wire wire is initiated by the recipient of the funds (NatPay), rather than by the PPP client.

Benefits of a Reverse Wire

Convenience. Once the Reverse Wire has been set up, there is no additional time or effort required from a PPP client for each wire.

Good Funds. A wire, whether Reverse Wire or standard, is considered “good funds” and mitigates risk for a PPP.

Getting Started with Reverse-Wire Services

It is easy to get started with NatPay’s Reverse-Wire Services. Start by filling out the form below to let us know that your are interested. We will then contact you with more information.


ACH CASE STUDY: A Big Fish Catches a Whale of an ACH Partner

11.04.13 – Big Fish Payroll in Orange, CA. provides Payroll Services, HR Systems, HR Support, Time and Attendance Systems, and other industry related ancillary services to small and midsized employers.

There are ancillary services that complement that offering, but Big Fish remains true to its mission and its clients, by not becoming distracted trying to “be all things to all people”, Justin Dignam, Owner of Big Fish Payroll, states. “There are other companies that are very large and publicly held that can sell you anything you want: payroll, 401k administration, unemployment claims handling, etc., but what the client finds is that this portfolio of services is managed by different people, in different locations across the country, with different technology platforms. The only thing integrated is your invoice!”

The Problem

Big Fish Payroll in order to provide guaranteed ACH Processing for their clients, wanted to secure a proven ACH provider that would eliminate the worry of payday processing errors or delays.

“The business problem we needed to solve was we were reliant solely upon one ACH processor to facilitate all of the money movement we needed to support our client’s ACH and Tax collection and remittance,” stated Dignam. “We are huge fans of redundancy, and our success is predicated upon moving our client’s money safely and timely. A second processor was a requirement.”

Dignam contacted NatPay based on the fact that our industry reputation for maintaining compliancy and proven ACH track record was exactly what Dignam was looking for in a ACH processing vendor.

The Challenge for Big Fish Payroll was to find the ideal provider that was aligned to their business ethic and model in order to offer the services that they needed to accomplish the redundancy goal.

“We needed a vendor who understood our industry and had the appetite for our business model, and who also had the systems and related support infrastructure to accommodate our requirements,” remarked Dignam.

The Solution

NatPay has been in the ACH processing business since 1991, and has 100% accuracy rating in processing client funds. As a member of the IPPA (Independent Payroll Providers Association) and The Payroll Group, NatPay has earned a reputation of being more like an ACH Processing partner than a vendor for many of the association members. Recent banking regulation changes and stringent compliancy audits have caused many processors to look for providers that have strict audits in place to ensure error-free processing and stability in the ACH processing industry.

Several factors stood out for Dignam when choosing NatPay as the ACH processing partner of choice. “One feature that we were seeking was the ability to suspend an individual credit, rather than having to suspend an entire client file.  This was a task that needed to be completed several times a week, and NatPay delivers,” remarked Dignam. This functionality was crucial to day-to-day operations for Big Fish Payroll.

Flexibility in timing options was another reason Dignam decided that NatPay was the partner of choice. “The two day processing window was critical to our selection of NatPay. We move millions of dollars weekly, and we need credited funds within the window we desired to accommodate our internal daily balancing requirements”, said Dignam. “Despite numerous rigid requirements imposed by the banking industry for moving money via ACH, NatPay has been a solid partner in helping us to both remain compliant, while also affording us some areas of flexibility to accommodate our unique business processes.”

Return on Investment

Price is commonly a factor in selecting a vendor – yet Dignam wanted security and stability over lower costs. “While searching for a vendor price was not a factor. Our first goal was to find someone who had what we needed, and who we felt would be a good fit for us and our clients. The price discussion came afterwards. That phase of the project was very fulfilling as we have seen a decrease in our overall fees, while experiencing significant growth to the number of transactions we process based upon our growth”, Dignam commented.

NatPay abides to very stringent underwriting practices that require clients to know their clients. Annual independent audits, SSAE 16 (SOC 1) Type 2 completed examinations, and annual NACHA audits provide clients like Big Fish Payroll the security and peace of mind when it comes to issues of compliancy. The response to NatPay was quite favorable overall from account set up to implementation of ACH processing. “My team has found the NatPay team to be very accessible. It is evident that they balance service to us with their own internal compliance metrics as well as industry legislation. We appreciate knowing that we will not be allowed to do something that can be construed as improper,” said Dignam.

When asked what Dignam has learned from selecting NatPay as an ACH processing partner, Dignam replied, “Don’t wait. Use NatPay. Need to speak to a client? Call me and I will put you in touch with my folks who interact with the system every day.”

Payroll Success Story: Avail Professional Services

Avail Professional Services in Sorento, IL. d/b/a Apex Payroll, provides payroll services, bookkeeping services and income tax return preparation to individuals and corporations. They are a small business that specializes in serving other small businesses.

Avail wanted to offer their clients a turn-key, dependable direct deposit service and chose NatPay for several reasons. NatPay is known in the industry as a reliable and trusted ACH service provider and has a unique system for adding clients in order to provide processing for payroll clients quickly and efficiently.

“We had a new client that required a quick turnaround set up time. A NatPay technical support representative was able to get the client set up the same day,” remarked Amanda J Dussold, CPA.

A key differentiator of NatPay’s ACH Solutions is that the company provides extended processing time for payroll processors across the nation, allowing for west coast clients to process throughout their business day – the same as an east coast client would. “When I was having problems with the file “after hours” – I called approximately 7:30 eastern time – customer service was available to help”, stated Dussold. NatPay is the only ACH Service Provider that is open from 9am to 10pm ET to accommodate file uploads throughout the work day regardless of their location. This is a tremendous benefit to payroll professionals across the nation – especially those who send files several times a day and after many banks and ACH processors have already closed.

Jim Hagen, VP of Sales for NatPay commented that many clients find their way to NatPay simply because of excellent customer service. “It’s a competitive industry and to not offer a quality service or a dependable service – you won’t stay in this business for long.” Other issues that Avail was concerned with in selecting a direct deposit service provider was implementation time and customer support. “One of the reasons for selecting NatPay was the helpful staff and good customer service”, Dussold said.

Timing options were also a factor in selecting NatPay as a ACH service provider (2 day processing, etc.) Being able to process payroll with faster processing. NatPay provides flexible timing options that help payroll professionals work smarter and faster – providing a service that many banks and ACH providers simply cannot match.

Case Study – Butler County Schools, Kentucky


Butler County Schools in Kentucky is a local school district with over 300 full-time  employees. Like many school systems today, Butler County schools were researching ways to save money, improve processes, and streamline their school system as a whole in order to fully maximize their budget. Like many other schools, paperless payroll solutions seemed to provide an answer to this problem.

“We wanted to eliminate paper pay stubs and W-2 forms, and give our employees access to them through a website,” stated Travis Johnson, Payroll Manager for Butler County schools. Johnson wanted to find a paperless statement solution that would be easy for employees to use, and also be secure so that employees’ pay information would be protected online. “We were looking for a product that was user friendly, cost effective, and very secure,” remarked Johnson.

After a thorough research process, Johnson chose NatPay for online pay stubs and W-2s. This decision was based on a variety of factors that all came together in support of NatPay’s Doculivery online pay stub and online W-2 services. It was paramount that the Doculivery system be easy to use, and simple for Butler County School employees to adopt. “Doculivery is very user friendly. Setup only takes a few minutes, and there is almost no learning curve,” said Johnson.

Having employee pay information online also meant that security was a top priority for Butler County school employees. “Many employees were initially concerned about the security of their pay information, but once they experienced how easy and secure the Doculivery system was to use, those fears went away. I was also concerned with disaster recovery and upload security, but all my concerns were put at ease when I learned about NatPay’s security features,” said Johnson.

NatPay has completed a SSAE 16 SOC 1 audit (formerly SAS 70 Type II) which means that very stringent security procedures are maintained on a daily basis. Doculivery clients are assured that their pay information is kept safe and secure using the latest, Industry-standard security protocols and encryption methods.

Many clients that search for paperless solutions are concerned with the integration process taking too many months to implement. Based on industry results, it takes 16 to 22 weeks to adopt an online pay stub process which is why Doculivery’s 6 to 8 week integration time period looks so attractive. This rapid implementation process allows many clients to realize a faster ROI. “Integration was simple. I got the programmers the reports out of Munis (our payroll software) and NatPay built the system around them.  Once we were set up, NatPay’s support staff walked me through the upload process. It was all very simple,” remarked Johnson.

The Group Administration features of Doculivery provided additional benefits for Butler County. Like other companies who have limited payroll personnel, the system must accommodate various levels of payroll staff using the system, and provide simple administrator functions that do not require a technical or IT representative.

“Since I am the only person with administrator rights (besides a person for backup) it was important that administration did not require a lot of time. Doculivery is simple. I can unlock someone, or update an employee very quickly,” said Johnson. “I was told that if I could get the information to NatPay, then the programmers could make Doculivery do what I needed it to do. So far, they have come through 100% of time.”

After using the Doculivery system for a few months, Butler County Schools anticipates a significant savings over conventional paper methods. “By just using Doculivery for online pay stubs and W-2s, we are able to project about a 50% savings from the old way of printing paper stubs. We are saving on the paper for stubs and W-2s, as well as the ink used to print them, and also on all of the postage costs,” remarked Johnson.

Employee feedback from Butler County school employees has been quite favorable. “Everyone is uneasy about change, but after we rolled out Doculivery online pay stubs, I can say that I haven’t had anyone complain about them. I have even heard from some of my employees that I was worried about saying how simple the system is,” said Johnson.

Now that Butler County school District is enjoying tremendous savings by adopting Doculivery online pay stubs and W-2s, Johnson intends to increase their paperless projects for additional savings, and to further streamline their business processes.

“We are very happy customers, and are excited about using Doculivery for other paperless solutions in the future,” said Johnson.

Whatʼs on the horizon for the electronic document management environment?

Software as a Service (SaaS) solutions, such as online payroll, will continue to drive the paperless trend.

While the fundamentals of payroll have not changed, we are in the middle of a payroll process revolution. The emphasis will shift from “software” to “service.”

At NatPay, our focus has always been to give equal priority to service. SaaS offers more flexibility and choice.

For example, some clients may want to be billed per payroll, while others prefer quarterly. You want to be sure your payroll partner gives you that kind of flexibility.

It is only a matter of time before direct deposit completely replaces checks in the vast majority of small businesses across the country.

All Document Management systems share one significant inefficiency: the time it takes to check a document into the system. Systems require that you enter certain document properties like title, retention period, category, storage location, etc.

One document might take 20 seconds, which may not seem like much time. However, what if there were a hundred or more documents a day to check in? Now we are talking about 20 minutes per day or more.

Or what if a firm just completed 1,000 tax returns and wanted to store them in its document management system? How long would that take to check them in?

We are constantly striving to improve product efficiency. We are in the process of adding sophisticated automation features to Doculivery that will recognize and automatically check in a significant portion of documents including emails and large batches of tax returns, invoices, or other forms created from other programs or scanned into Doculivery system. This technology represents a large step forward in the evolution of document management software.

Contact us today at 800-284-0113 to find out your cost savings when adopting an online document management solution with NatPay.

How does going paperless increase efficiency and save money? How much does it save?

In terms of payroll, paperless means big cost savings and better security. As one the first online payroll services companies, weʼve seen astronomical savings since launching the business in 1991. Our 35,000+ small to mid-sized business customers nationwide are saving nearly 50% compared to what they would pay for a traditional, paper-intensive payroll provider.

“Accountants using Direct Deposit Plus and online pay stubs can create an incremental $500 to $1,000 per year per client by adopting a paperless payroll”, stated Mark Williams, NatPay’s Marketing Director.

We should replace the term “paperless” with “document management” since not all paperless solutions are document management systems. In most cases, the greatest efficiency gain from any document management system should be the dramatic reduction in time spent retrieving documents.

It is a well-known fact that staff spends as much as 30 minutes per day searching for lost or misfiled documents. In addition, a comprehensive document management system should provide the tools to reduce engagement time, improve client service, and cut paper, printing, and copier costs significantly.

Doculivery clients using our SaaS (Software as a service) application have saved time and money in multiple ways—in preparing payroll and tax forms and reports and more efficient workflows in general. ROI for some Doculivery clients can range  between 200% and 400% – most often with first year ROI paying for the solution.

Contact us today at 800-284-0113 to find out your cost savings when adopting a paperless solution.

TESTIMONIAL: Many thanks to Jonathan and Elissa for helping me solve my payroll problem.

Many thanks to Jonathan and Elissa for helping me solve my payroll problem. Your diagnosis and familiarity with DacEasy and NatPay pointed me in the right direction so that I was able to finish the payroll long before midnight!

Thanks again for your patience and help.

Bonnie M.
Update Records Management, L.P.

New Direct Deposit Processor / Client Online Guide

NatPay’s Direct Deposit Processor Online Guide is now available.

This Direct Deposit Processor / Client Online Guide provides Processors with all of the information needed to get up and running with NatPay’s Direct Deposit Distribution services quickly and easily.

In this guide, you will find Direct Deposit features, pricing and timing options, as well as step-by-step setup instructions, helpful hints, and all of the documents that you will need to complete the setup process.

Follow this link to access the guide:

New Quick-Start Guide PDF

The new Quick-start Guide is now available for download in PDF format in NatPay’s Download Center. This guide provides you with the basic quick-start information needed to log in and process your NACHA Direct Deposit files in no time at all via NatPay’s website. Information is also provided in this guide about viewing reports, changing preferences, and using the convenient system utilities.

NatPay customer’s who normally upload a compatible NACHA direct deposit file to or may begin using at any time.

For more information, contact NatPay today for a better way to pay!

TESTIMONIAL: I LOVE LOVE the updated withdrawal descriptions for my customer accounts!

I just wanted to tell you how much I LOVE LOVE the updated withdrawal descriptions for my customer accounts! Now that custom preferences allow for matching descriptions, it makes our life and our client’s lives much easier.

After using DPS and others in the past, NatPay is easily the best!  You’ve got a great system and I’m VERY happy with it.

Thanks so much!

Mark B.
– Preferred

NatPay Announces Extended Hours for Growing Number of ACH Customers

NatPay's New Extended Hours

Tampa, FL (February 10, 2012) – In order to accommodate a thriving West Coast customer base as well as provide valuable processing time to customers in all time zones, National Payment Corporation (NatPay) recently adopted a new operating schedule that gives payroll administrators more time to process their payroll.

“Based on our current growth, we’ve expanded our hours as a convenience to our ACH customers. They can now upload ACH payroll files until 8:50 p.m. ET starting February 13th, 2012. Customer support and technical support access has also been extended. In the past, we’ve gotten great feedback from our customers when NatPay has extended its hours before, especially from our friends on the West Coast, so naturally we are very excited about increasing our hours of operation once again,” explains Mark Williams, NatPay’s Marketing Director.

Many organizations have already made the switch to direct deposit and paperless pay stubs, but some still struggle to meet payroll submission deadlines. By extending their operating hours, NatPay is better able to accommodate growth into larger segments of the payroll processing ACH market. The new schedule also provides a critical advantage over traditional banking-based direct deposit models that force customers to adapt to standard banking hours, thereby failing to address the need for after-hours processing and live assistance – a key service that many banks simply cannot offer.

Since 1991, NatPay has become one of the nation’s largest independent Direct Deposit service providers. Today it remains one of the nation’s leading providers for all ACH distribution solutions. NatPay’s suite of paperless distribution solutions continues to expand, and now includes custom online document management solutions, online pay stubs, pay cards for employees without bank accounts, W-2s and other tax forms, electronic invoicing, and online billing with Click-To-Pay capabilities. By utilizing a fully-customizable SaaS (Software as a Service) platform that is SSAE 16 SOC 1 audited, NatPay’s ACH distribution services are safe, secure, and save employers time and money by eliminating tedious printing and envelope-stuffing processes.

“Per the recent changes to NACHA rules and regulations, NatPay fully understands that their customers need more time to get their work done since many are being asked to do more with less staff and fewer resources. NatPay simply wants to help their customers by giving them more time to send in their ACH files, and by giving them peace of mind that all compliance issues and and audit requirements are taken care of for them since NatPay has just completed a successful NACHA audit as well as the SSAE 16 SOC 1 audit,” says Williams.

For more information, please visit the NatPay website at or call 1-800-927-6120 for a free demonstration.


NatPay was founded in 1991, and became the leading company to offer third-party processing of Direct Deposit for employee payroll. NatPay processes over $8 billion in employee direct deposits annually.

In 2000, NatPay introduced the first electronic pay stub branded as EZStub. In 2007, NatPay introduced Doculivery – a fully web-hosted SaaS (Software as a Service) delivery of enterprise resource solutions. This includes but is not limited to Payroll, AR/AP, full HR paperless functionality, CSR/CRM, and other marketing solutions.

NatPay is an innovator in the online document solutions industry with over 20 years of information distribution experience. We provide online document solutions to over 7,000 clients across the nation.

NatPay offers a comprehensive portfolio of payroll, human resource, and financial solutions with services that help clients do what they do best – run their business. With customized SaaS solutions and online document management services, NatPay provides their clients relief from administrative hassles so they can focus on their human resource needs and profitability by reducing G&A costs and streamlining business processes.

NatPay is bonded through two major insurance carriers and uses a third-party accounting firm to perform an annual audit of its records. We are also HIPAA compliant, and a SSAE 16 SOC 1 audited organization.

(c) 2012 NatPay. All product names are trademarks of their respective companies.

Mark R. Williams, Marketing Director
Phone: 813-222-0333 x6-155
Fax: 813-221-8651

Holiday Notice: Presidents Day

Monday, February 20th, 2012 (Presidents Day) is a Federal Banking Holiday. The Federal Reserve will be closed on this day, as well as National Payment Corporation (NatPay).

If you have a file transmission that falls between the dates of Tuesday, February 14th, 2012 through Monday, February 20th, 2012 you may need to transmit one day earlier than your normally-scheduled transmission date. Please review your calendar to see if this affects you. If you don’t have a calendar, please contact us.

If you have any questions, please contact customer service via our online form, by email at [email protected], or by calling 813-222-0333.

Holiday Notice: Martin Luther King Jr. Day

Monday, January 16th, 2012 (Martin Luther King Jr. Day) is a Federal Banking Holiday. The Federal Reserve will be closed on this day, as well as National Payment Corporation (NatPay).

If you have a file transmission that falls between the dates of Tuesday, January 10th, 2012 through Monday, January 16th, 2012 you may need to transmit one day earlier than your normally-scheduled transmission date. Please review your calendar to see if this affects you. If you don’t have a calendar, please contact us.

If you have any questions, please contact customer service via our online form, by email at [email protected], or by calling 813-222-0333.

NatPay Billing Update Notice

NatPay is revising its billing procedures to help provide clearer, more concise billing information to our customers.

Starting January 1st, 2012 billing will begin reflecting the actual transmission dates of your files. For example, if files are transmitted to NatPay on a Saturday, billing will reflect Saturday as the transmission date, and not NatPay’s “work-of-day” date.

If you have any questions, please contact customer service via our online form, by email at [email protected], or by calling 813-222-0333.