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   How Rillet Stood Up 40 Payroll Integrations in Just 5 Days
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   TempoPay writes payroll deductions 4X faster with Finch
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HR TECH ->

Streamline customer onboarding and trigger automations for when employees join,
leave, get promoted, and more.

Empower employees with training like


401K AND RETIREMENT ->

Connect to sponsor payroll systems to simplify onboarding, enroll employees,
update contributions, and streamline audits.

Make retirement savings grow like


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Enroll employees into benefits and make updates to payroll deductions and
contributions automatically.

Automate payroll deductions like


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Power financial insights and analytics to help employers with headcount
planning, salary benchmarking, and more.

Power salary insights like


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Help companies provision new employees, manage certification processes, and
determine tax credit eligibility.

Power compliance automation like


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Leverage payroll integrations to streamline audits, reduce premium leakage, and
avoid surprise bills for your clients.

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Instantly support 200+ systems (and counting) compatible with our unified data
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   enrolling individuals.
   
   
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Case Study


HOW RILLET STOOD UP 40 PAYROLL INTEGRATIONS IN JUST 5 DAYS

Amy Miller
December 13, 2023

5 min read


COMPANY

Rillet is modern accounting software made specifically for SaaS companies.
Founded in 2021 by Nicolas Kopp, Rillet is on a mission to automate the tedious
work that falls on accountants, empowering them to quickly get meaningful
insight into the state of their company’s finances. 


CHALLENGE

Payroll is a vital source of truth for accounting. But for accounting platforms
like Rillet, collecting this data is no simple task. 

In the early days, the Rillet team relied on accountants to manually download
files from their customers’ payroll systems and manually map, transform, and
sanitize the data before uploading it to Rillet. If an accountant served
multiple clients, the process had to be repeated. And if there was an error,
they would be forced to manually revert the changes and run the process again.
This tedious, repetitive, and error-prone process had to be completed each
month. 

As Ernesto Medina Delgado, a software engineer at Rillet, points out — this
initial experience was not tightly aligned with Rillet’s value proposition. 

“Our intention was to make the accountant’s life easier, not more complicated,”
said Ernesto. “The initial solution was putting the burden on their shoulders,
and we wanted to take that friction away.” 

The team quickly agreed that in order to deliver on Rillet’s vision, they would
need to build integrations with payroll systems. The problem was that doing so
would require a lot of engineering resources, both upfront and on an ongoing
basis. 

“Building integrations requires a lot of effort from developers, not only to get
them set up correctly but also to maintain the integration,” said Ernesto.
“These are live systems that evolve over time. It’s not a set-it-and-forget-it
type of situation.” 

> “Building integrations requires a lot of effort from developers, not only to
> get them set up correctly but also to maintain the integration. "



Making matters worse, the sheer number of payroll systems on the market—5,700
and counting —meant they’d have to build many integrations if they wanted to
serve both current and future customers. 


SOLUTION

After some research, Nicolas asked Ernesto to evaluate Finch, the unified API
for the employment ecosystem.

Ernesto soon discovered that, by building a single integration with Finch,
Rillet could unlock the data they needed from over 40 payroll systems.

“Finch very quickly jumped to the front of the line,” said Ernesto. “Both the
breadth of payroll systems they supported and the data standardization removed a
huge burden from our developers’ shoulders. It was clear Finch would save us
considerable time and money.”

Finch wasn’t the only provider the Rillet team considered, but it was the one
with the best developer experience, according to Ernesto. 

For one, the developer documentation was clear and easy to understand, even for
non-technical team members. 

“Code should read like a newspaper, with the most important information at the
top and less important information at the bottom. Finch’s docs followed this
best practice,” said Ernesto. “More importantly, the accounting team was able to
validate that they would get the data they needed without the engineering team’s
assistance.” 

Ernesto also received a technical walkthrough from one of Finch’s sales
engineers, who helped him understand the options at his disposal for how to
build the integration with Finch. 

“My experience with the Finch team not only left a positive impression, but also
made me confident in my ability to integrate with Finch,” said Ernesto. “It made
the decision to move forward with Finch easy.” 

When it came time to implement, the process was straightforward. His team built
a functional proof of concept within a matter of hours, which they later
leveraged to build the final solution. They then spent about one-third of their
week mapping the data before they were ready to push to production. 

“After a single week, we were able to add all the payroll systems Finch supports
to our list of integrations,” said Ernesto. “Compared to integrating with
payroll systems one by one, it was really low-effort.”

> “After a single week, we were able to add all the payroll systems Finch
> supports to our list of integrations. Compared to integrating with payroll
> systems one by one, it was really low-effort.”  


RESULTS

Ernesto estimates that the process of integrating with Finch was 7X faster than
it would have been to build a 1:1 integration with a single payroll system. More
importantly, Rillet unlocked 40 payroll systems for the price of one. 

“I can’t imagine having to do the massive amount of work it would have taken to
integrate with each individual payroll system,” said Ernesto. “We saved so, so
many developer hours.” 

> “I can’t imagine having to do the massive amount of work it would have taken
> to integrate with each individual payroll system. We saved so, so many
> developer hours.” 

Rillet’s customers also reaped the benefits of their decision. 

“The value our customers received during that timeframe was way higher than it
would have been if we had to build the integrations ourselves,” said Ernesto.
“Without the burden of building integrations, we were able to significantly
improve our product during that period.” 

In addition to automating key accounting processes by pulling in and
standardizing the customer’s payroll data, the Rillet team has embedded built-in
reporting around key SaaS metrics into the product. That makes it possible for
customers to get meaningful insight into the state of their finances within
minutes of signing up, saving them the time it would typically take to build all
those reports from scratch. Moreover, these reports allow accountants to see
where the data comes from and how the numbers are calculated—helping eliminate
possible errors. 

“Most accounting software was designed before the advent of the
software-as-a-service industry,” said Ernesto. “We’re reimagining accounting
software for the current era.” 

Throughout Rillet’s journey with Finch, they’ve been nothing but satisfied. 

“We’ve had very few issues throughout our journey with Finch, and the support
team has been very responsive. They answer our questions and resolve any issues
fast, while maintaining a high bar for quality,” said Ernesto. “We’re really
happy to be working with Finch.”

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Case Study


TEMPOPAY WRITES PAYROLL DEDUCTIONS 4X FASTER WITH FINCH

Charlie Liang
November 21, 2023

5 min read

TempoPay is a financial benefits platform that enables employers to remove the
financial barriers that prevent their employees from accessing healthcare. The
company’s mission is to empower people to access healthcare when they need it,
without worrying about affordability concerns. Founded in 2021 by Tim Danison,
Erika Davison-Aviles, and Joshua Goldstein, the company was conceptualized,
built, and launched from within Redesign Health. 


THE CHALLENGE

“Financial barriers shouldn’t prevent people from staying healthy,” says Hattie
Ninteau, TempoPay’s Marketing Manager. “But they do today.” 

Hattie knows what she’s talking about: According to a Kaiser Family Foundation
study, more than half of U.S. adults said they delayed getting medical attention
in the past year due to an affordability concern. Even those who are insured
often cannot afford care due to high deductibles, especially when faced with
rising inflation. 

For employers, that means more sick days are used, along with a significant loss
of productivity.

“Whether or not an employee seeks healthcare impacts their employer,” says
Hattie. “It influences both if and how they show up to work.”

TempoPay’s founding team envisioned a solution that would help employees pay for
out-of-pocket healthcare expenses—the ones traditional health benefits too often
fail to cover. Employees would download a mobile app, register in under two
minutes, and instantly get access to a TempoPay card. They could leverage the
funds right away to pay for healthcare—unexpected or planned. TempoPay would
finance the cost, secured by the individual’s employment. 

It quickly became clear that TempoPay would need a way to write after-tax
deductions back to each individual's payroll. Traditionally this burden would
fall on the HR administrator, but TempoPay knew that wasn’t an option.

“SFTP and flat file uploads were out of the question,” said Erika
Davison-Aviles, Co-Founder & Head of Product, TempoPay. “Manual file uploads are
not only time-consuming, they’re wrought with errors. They simply didn’t align
with our vision.”

Reducing the burden on employers would be key to getting employees fast access
to the care they so desperately needed. 


THE SOLUTION

TempoPay’s founding team began to search for a solution that would empower them
to build an MVP. They needed to find an API product that could both read vital
employment data and write deductions back to each employer’s payroll system. 

This was the only path forward. After all, they wanted to provide a frictionless
user experience for everyone. 

“Employers don’t want to jump through hoops to figure out how to deliver
benefits to their employees,” said Hattie. “They want simple,
set-it-and-forget-it solutions.” 

Through thoughtful research and market analysis, the TempoPay team
identified Finch, the unified API for the employment ecosystem, as a potential
partner. 

The TempoPay team did their due diligence: They assessed several unified APIs
and iPaaS providers. But only Finch offered the ability to both read the
employee’s payroll frequency and write deductions back to their payroll system.

“Frankly, there were no other solutions that could support our vision and
facilitate writing payroll deductions automatically,” said Erika. “Finch had the
technology and functionality that best met our product needs.” 


THE BENEFITS OF USING FINCH

After becoming a Finch customer, the TempoPay team was thrilled.

> “Implementation was straightforward, and the impact was immediate,” said
> Erika. “Finch's assisted integrations are leagues ahead of the typical batch
> file process. Instead of waiting a month for new deductions to process, we can
> make updates every week. That’s lightning speed in our niche.”

In other words, TempoPay can now write payroll deductions over 4X faster. 

The end-user experience exceeded Hattie’s expectations. 

“Employers literally just press a button. It typically takes 30 seconds to
onboard through Finch Connect," said Hattie.

As a result, they were able to achieve industry-leading adoption rates.

For Erika, the experience with Finch’s developer success team also stands out. 

> “Every time I share product requirements and emphasize the need to move
> quickly toward a solution, the Finch team delivers. It’s the quintessential
> case study for agile.”

Together, the TempoPay and Finch teams are testing the limits of how deductions
are managed.

“Every time an employee’s card is swiped, a new payment plan is triggered and
their deductions change as a result,” said Erika. “For us, that means that every
employer, every employee, and every pay period is unique.”

While the initial MVP build took some time, they’ve since enjoyed “months of
smooth sailing” while providing healthcare benefit solutions the industry never
before thought possible.

Looking forward, the TempoPay team plans to continue innovating. They recently
expanded into pet care and veterinary expenses, and are offering more
comprehensive employee benefits and financial wellness solutions that give
employees access to critical funds when they need it most. 

> “We’re growing quickly and Finch has been a fantastic partner throughout our
> journey, helping us realize our vision of providing financial benefits that
> meet the needs of the modern-day employee.”

Their customers are eager for the TempoPay team to solve new and related
problems. With Finch as a partner, they’re able to fulfill most requests. 

“I’m confident in our growing platform because I know we have Finch as our
partner,” said Erika. 

At Finch, we’re excited to partner with game-changing applications like
TempoPay. If you’re interested in exploring data integrations, reach out to our
sales team or start building with our unified API.


MORE ABOUT TEMPOPAY

TempoPay is available 24/7/365 and employers can bring TempoPay to their company
anytime. There’s no need for employees to wait until an enrollment or onboarding
period starts. There is no need for credit checks. Employees pay zero fees and
no interest. They can choose to repay via payroll deductions or their personal
bank account—providing them with a significant degree of flexibility. 

The social impact is profound. Employees can access care when needed, including
medications or treatments that their health insurance plan doesn't cover. That’s
helpful, for example, when you need to schedule a costly surgery. Or when your
doctor prescribes a new medication that costs several hundred dollars to fill.

TempoPay works with each employer to understand their unique employee
population. They then make a recommendation regarding an appropriate and
responsible spending limit, which usually ranges from $1,500 to $5,000. True to
their commitment to flexibility, they can support different benefit
configurations such as spending categories and funding options. This enables the
team to work creatively with employers seeking a modern financial wellness
solution for healthcare expenses and more. 

‍

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Case Study


HOW THATCH GOT TO MARKET 10 MONTHS FASTER WITH FINCH

Charlie Liang
November 17, 2023

6 min read

Thatch is a health benefits platform designed for the modern era. The company’s
mission is to help startups provide their teams with personalized healthcare in
under five minutes. Founded in 2021 by Chris Ellis and Adam Stevenson, the
company has raised funding from top investors like a16z, General Catalyst, and
Google Ventures. 


THE CHALLENGE—BUILDING PAYROLL INTEGRATIONS, FAST

“The way health benefits work today is very paternalistic,” said Chris Ellis,
Co-Founder and CEO of Thatch. “Employers are forced to choose one pair of shoes
and hope it fits every member of the team.”

Imagine that, after researching your options and polling your team, you decide
to buy Nike runners in a size 10 in bulk. Soon after, someone comes to you and
says they need a size 7. Another team member says they’d prefer Reeboks. Yet
another employee wants hiking boots. 

Picking a one-size-fits-all health benefits plan can be similarly frustrating
for HR professionals and the employees they serve. To save money, employers must
purchase group health insurance plans with standardized benefits, which often
leaves employees with varying needs unsatisfied. 

Group plans also don’t make it easy for employers. The onboarding and yearly
enrollment processes often require them to manually move data between their
HRIS, payroll, and benefits administration systems. When a new employee is
hired, an existing employee departs, or another qualifying life event occurs,
the employer must also manually make changes to the plan.

From the start, Chris and his team were obsessed with delivering an unparalleled
customer experience. To build a health benefits platform that provided employees
the control and flexibility they deserved, his team would need to leverage
technology to deal with any corresponding complexity. “Choosing and managing
health benefits is often a thankless job,” said Chris. “We are determined to
remove the administrative burden.” In other words, they refused to burden the HR
administrator with the tedious task of manually managing employee deductions.
After all, these deductions were bound to vary from employee to employee and pay
period to pay period.

> “Choosing and managing health benefits is often a thankless job. We are
> determined to remove the administrative burden.”

For example, say all employees have a $500 monthly budget for healthcare. One
employee chooses a $350 health insurance plan, leaving them with $150 each month
to spend on out-of-pocket medical expenses. In January, they spend $167.25
leading to a $17.25 deduction. But, in February, the employee has no medical
expenses, and so doesn’t pay any deduction. 

Without automated deductions management, this data would need to be updated
manually—for every employee, every pay period.

Making matters more complicated, every employee is different. Whereas one
employee might choose a $350 health insurance plan, another might choose a $700
plan. That individual’s out-of-pocket expenses would be added on top of their
monthly $200 deduction. 

“Small businesses want to offer great benefits, but don’t have the bandwidth to
deal with complexity,” said Chris. “They just want to know that your solution
works and it can deliver the end result they’re looking for.” 

To deliver on this vision, the Thatch team realized they would need to build
integrations to each customer’s source of truth for deductions—their payroll
system. Chris knew that wouldn’t be an easy feat. 

“With the unbundling of payroll from benefits, we needed to achieve the same
level of connectivity, accuracy, fidelity, and timeliness as our customers had
become accustomed to,” Chris explained. “And we had to do that without ever
being inside the payroll system—and without burdening our customers or their
employees.” 

Thatch’s founding team was left with two options: 

1. INVEST IN BUILDING A 1:1 INTEGRATION WITH EACH PAYROLL PROVIDER

By Chris’s estimation, in-house development would have meant hiring four
additional employees across product, engineering, and business development at a
cost of approximately $800,000 per year.

It would have taken at least a year to build the minimum number of integrations
they would need to launch. Plus, they would probably have had to go to market
with fewer integrations than desired. (After all, there are more than 5,700
payroll providers on the U.S. market, and the top 10 only account for 55% of
employers.) In other words, if they chose this route, their near-term total
addressable market would be limited.

Complicating matters was the fact that many payroll providers exclusively
partner with businesses that already have shared customers. That created a
chicken-or-egg problem for Thatch, which had yet to launch let alone acquire a
sufficient number of customers to qualify.


2. FIND A BETTER WAY TO ACHIEVE THEIR GOALS

From Chris’s perspective, the traditional path presented obstacles that were
insurmountable for an early-stage startup. So, his team kicked off a search for
a more realistic solution that provided plug-and-play employment integrations. 


THE SOLUTION—FINCH'S UNIFIED EMPLOYMENT API

Beyond needing a faster and more cost-effective way to integrate with the
industry’s most popular payroll providers, Thatch wanted a solution that could
help their team automate the tedious process of writing deductions back to each
employer’s payroll system. 

They soon heard from another founder that they could leverage Finch’s unified
employment API to unlock access to over 200 HRIS and payroll systems. 

Chris and his team did their due diligence: They evaluated several competitors,
but quickly realized Finch was the only solution that could satisfy their need
to both read employee data and write deductions back to each employer’s payroll
system. Finch also allowed them to reconcile their ledger, making sure all the
dollars and cents added up in a compliant way.

What stood out, though, was the exceptional user experience Finch facilitated.
By embedding Finch Connect into their onboarding flow, employers could give
Thatch permission to both read and write back to their payroll system in under
30 seconds. 

> “Finch’s user interface and security standards met our high quality bar. We
> were confident that, by leveraging Finch, we’d be able to earn the trust of
> the employers we served.” 

When it came time to implement Finch, Chris found the setup process to be
seamless. As his team navigated its complex use case, the Finch team not only
offered unwavering support but also contributed their unique expertise. 

As a result, the Thatch team was also able to provide value-add services its
customers never expected. For example, by reading whether an individual was
still active within the organization, Thatch was able to notify customers when
it came time to offboard employees from its benefits program. 

“Finch is truly a strategic partner,” said Chris. “Together, we’re able to push
the envelope on what’s possible. In fact, in the short time we’ve been working
together, most or all of our product requests have been implemented.” 


RESULTS—$800K IN SAVINGS, 10X MORE REVENUE

By leveraging Finch’s unified API, Chris estimates that his team saved $800,000
in payroll costs, got to market 10 months sooner, and captured 10X more
revenue. 

> “The benefits of Finch were immediately obvious. We can easily spin up new
> payroll integrations and unlock new revenue opportunities without adding
> engineering headcount or building out a business development team.” 

With the time and money the Thatch team saved, they were able to deliver on
their commitment to their customers—building a product with a best-in-class user
experience. 

“We made a great decision by partnering with Finch,” said Chris. “I can’t
imagine building our product any other way.” 

Today, Thatch empowers small businesses to offer their employees personalized
healthcare in just five minutes. 

The process is simple for employers: They define a tax-free healthcare budget.
Their employees choose a plan that suits their needs and then use any leftover
money to pay for out-of-pocket expenses. Individuals can use their Thatch card
to purchase anything from therapy sessions to fertility treatments to braces for
their children. 

By pooling the resources of many businesses together under the Thatch umbrella,
they’re able to offer employers better health insurance plans at lower
rates—benefits that are increasingly difficult for startups to access. In other
words, Thatch helps small businesses offer big-company benefits.

When asked if he has any advice for the product and engineering leaders who are
considering using Finch, Chris had this to say:

> “Payroll integration shouldn’t be your core competency. Like Stripe for
> payments and Plaid for bank accounts, Finch is the best solution in its
> category. It would take you longer and cost you more to reinvent the wheel."

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