Payroll: Paying via ko-kard

ko-kard is a payment option for workers in the Philippines only. The advantages of using ko-kard are:

  • You can send automatically from your bank card in countries such as the US, Australia, UK.
  • Potentially a lower cost than PayPal. The cost is $7 per transfer which compares with 4% for standard transfers and 2% for MassPay.
  • Employees receive money in their local currency (pesos) which saves them money
  • Workers don't need a bank account to receive the money. They will be sent a card in the mail and they can withdraw money from an ATM using this card.
  • The currency exchange rate is potentially lower than PayPal. They don't give a specific rate but say that it should always be the same or better than PayPal.

How to set up ko-kard

  1. Click the activation button to turn it "on" in your payroll settings page
  2. Click on the link to sign up for ko-kard. You will then need to enter your account details and verify your account within the website
  3. Select each staff member that you want to pay via ko-kard
  4. Make sure to log into the website and add each of these staff members. They will be then sent a card.
  5. At the end of each payroll you will need to download a spreadsheet and then use the details to send payment amounts within the website. We do not have a direct integration at this stage, so you will need to do everything within their website. If you would like to request that we work on the integration please contact support. Payroll: Paying Via PayPal

The PayPal integration is set up for PayPal Mass Pay. This is the lowest cost way for a business to pay people on PayPal. The cost 2% of the transfer amount PLUS PayPal will effectively charge for currency conversion at a rate of approximately 2.5% although this varies depending on the currency. The maximum fee is $20 for international payments and only $1 for US and Canadian domestic payments. If you do not have access to PayPal Mass Pay but you still want to use PayPal then you can pay manually through your PayPal account. In this case select the payment method as Manual. The costs will be significantly higher in this case. The steps to setting this up are:

Step 1: Apply for Mass Pay in your PayPal account.

You can do this by calling PayPal. The criteria for acceptance are: It's not clear which countries they will accept but they will not accept all countries into the program.

Step 2: Select for the PayPal payment method to be on


Step 3: Select the currency for your PayPal account

This needs to be the same currency as your PayPal bank account. Unfortunately with PayPal mass pay you can only calculate salaries and pay people in the same currency as your PayPal bank account. PayPal currency settings

Step 4: Select the individual people that you wish to use PayPal

Change their payment method to "PayPal" and check if their PayPal email address is valid (but default it will be the same as their email address but you can change it.

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1. Over-communicate (compensate for the lack of face-to-face)

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