{"id":652,"date":"2024-07-30T11:00:28","date_gmt":"2024-07-30T18:00:28","guid":{"rendered":"https:\/\/embedded.gusto.com\/blog\/?p=652"},"modified":"2024-08-06T13:17:04","modified_gmt":"2024-08-06T20:17:04","slug":"payments-payroll-capitalos","status":"publish","type":"post","link":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/","title":{"rendered":"Manage money-out to help your customers save time &amp; money"},"content":{"rendered":"<p><em>Editor&#8217;s note: the following post was written by <a href=\"https:\/\/www.linkedin.com\/in\/dremer\/\">Nir Dremer<\/a>, CEO and Co-founder of <a href=\"https:\/\/capitalos.com\/\">CapitalOS<\/a>, a leading embedded spend management platform &#8212; all from a single API call. <a href=\"https:\/\/capitalos.com\/\">Learn more about CapitalOS on their website<\/a>.\u00a0<\/em><\/p>\n<p><span style=\"font-weight: 400\">Whether you\u2019re a SaaS platform designed for field technicians, restaurants, or even TV production companies, your customers are likely under-resourced when it comes to managing their financial operations. They are prime candidates for adopting tools and automation to help them run their businesses more efficiently. A critical part of running a business efficiently is\u00a0 understanding and managing total business expenses, or \u201cmoney-out.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400\">For most businesses, money-out comes from payroll and business expenses, which include everything from fuel to paying key suppliers.<\/span><\/p>\n<h2><span style=\"font-weight: 400\">Top 3 Money-Out Pain Points for Businesses<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Small business owners do not start businesses because they\u2019re passionate about (or even good at) running books, processing payroll, and reconciling expenses. They want to focus on what they do best: styling hair, teaching yoga, running a cafe, or renovating homes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Most small business owners are scrappy and wear many hats all day long, playing a key role in sales, operations, accounting, legal, marketing, and more. In fact, <\/span><a href=\"https:\/\/www.accountingtoday.com\/news\/few-small-businesses-employ-bookkeepers-or-accountants\"><span style=\"font-weight: 400\">66% of business owners even handle bookkeeping themselves<\/span><\/a><span style=\"font-weight: 400\">. As a result, many business owners lose precious time in handling mundane tasks instead of focusing on where they can drive meaningful business impact.<\/span><\/p>\n<p><b>1. Managing cash flow is hard and time-consuming<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/www.americanexpress.com\/en-us\/newsroom\/articles\/amex-for-business\/new-survey-finds-that-more-than-three-quarters-of-small-busi.html\"><span style=\"font-weight: 400\">84% of small business owners spend 3-8 hours\/week on cash flow management<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/li>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/quickbooks.intuit.com\/r\/small-business-data\/financial-literacy-statistics\/\"><span style=\"font-weight: 400\">43% of small business owners say cash flow is a problem for their business<\/span><\/a><span style=\"font-weight: 400\">. <\/span><a href=\"https:\/\/quickbooks.intuit.com\/r\/news\/small-business-cash-flow-the-state-of-payroll-2020\/\"><span style=\"font-weight: 400\">65% moved money around at the last minute to meet payroll obligations.<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Late payments are one of the leading causes of cash flow problems for small businesses.<\/span><\/li>\n<\/ul>\n<p><b>2. Lack of real-time data and low financial literacy hampers strategic decision-making<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">In a survey, 45% of small business owners stated they\u2019ve lost at least $10,000 in profits due to low financial literacy, and <\/span><a href=\"https:\/\/quickbooks.intuit.com\/r\/small-business-data\/financial-literacy-statistics\/\"><span style=\"font-weight: 400\">13% believe they\u2019ve missed out on $500,000 or more<\/span><\/a><span style=\"font-weight: 400\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">In one case study, a food vendor shared that he achieved a <\/span><a href=\"https:\/\/www.cyfe.com\/blog\/5-ugly-truths-small-business-analytics\/\"><span style=\"font-weight: 400\">30% revenue boost by tapping into his customer\u2019s geographic data<\/span><\/a><span style=\"font-weight: 400\">. However, most small businesses either don\u2019t have time or access to useful real-time data that could empower them to make business improvements.<\/span><\/li>\n<\/ul>\n<p><b>3. Money-out data is prone to errors and susceptible to fraud<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"https:\/\/quickbooks.intuit.com\/r\/small-business-data\/financial-literacy-statistics\/\"><span style=\"font-weight: 400\">71% of small businesses stated they still use pen and paper or spreadsheets to manage some aspects of their finances \u2014 leaving them vulnerable to human error<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Over 87% of Americans believe their paychecks are accurate, but <\/span><a href=\"https:\/\/assets.ey.com\/content\/dam\/ey-sites\/ey-com\/en_gl\/topics\/insurance\/insurance-pdfs\/EY-claims-in-a-digital-era.pdf\"><span style=\"font-weight: 400\">a study by Ernst &amp; Young (EY)<\/span><\/a><span style=\"font-weight: 400\"> found that payroll errors are common.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Most small businesses (38%) operate with just two to five employees. Thus, they will not likely use corporate expense cards or automated reimbursement systems. Instead, they rely on employee honesty and manual processes to track expenses and reimbursements. This can lead to intentional reimbursement fraud or even honest reimbursement errors.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400\">How SaaS Platforms Can Make a Difference to Small Business Owners<\/span><\/h2>\n<p><span style=\"font-weight: 400\">SaaS platforms are designed to be the operating system for small businesses. They have the unique opportunity to alleviate significant pain points, increase efficiency, and help their customers grow their businesses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">With embedded solutions such as <\/span><a href=\"https:\/\/embedded.gusto.com\/\"><span style=\"font-weight: 400\">Gusto Embedded<\/span><\/a><span style=\"font-weight: 400\"> for payroll and <\/span><a href=\"https:\/\/capitalos.com\/\"><span style=\"font-weight: 400\">CapitalOS<\/span><\/a><span style=\"font-weight: 400\"> for spend management, platforms can launch their payroll and spend management offerings within weeks. They can delegate infrastructure work to technical experts and focus on creating value-added services that aim to improve customer experience by 10x.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">The following are just a few examples of value-added features that SaaS providers might be able to offer businesses.\u00a0<\/span><\/p>\n<p><b>1. Saving Time with Custom Workflows<\/b><br \/>\n<span style=\"font-weight: 400\">Most small businesses must comply with the IRS and a slew of regulations, which is often time-consuming. By embedding payroll and spending, platforms can help their business customers save hours\/week.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Additionally, vertical SaaS platforms can create customized industry-specific workflows. For example, SaaS platforms for spas or beauty salons might be better able to create automation features for aggregating and paying out tips to estheticians. A trucking and logistics SaaS platform can offer a more efficient way for trucking companies to provide expense cards to their drivers, with different spending rules for items such as gas vs. food.<\/span><\/p>\n<p><b>2. P&amp;L and Financial Reporting Automation<\/b><br \/>\n<span style=\"font-weight: 400\">A big part of running a small business efficiently is having a simple snapshot of the business performance and upcoming liabilities. Helping business owners anticipate cash shortages, manage expenditures, and ensure that the company can meet its financial obligations plays a huge role in helping businesses succeed.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Additionally, automated reporting reduces the risks associated with manual data entry and calculations. This accuracy ensures that financial statements are reliable, crucial for making sound business decisions.<\/span><\/p>\n<p><b>3. Proactive Business Recommendations<\/b><br \/>\n<span style=\"font-weight: 400\">Platforms can leverage their industry expertise to offer more proactive recommendations on hourly rates, pricing, and team workload improvements based on the in-depth spend information being created.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.mckinsey.com\/~\/media\/mckinsey\/business%20functions\/marketing%20and%20sales\/our%20insights\/ebook%20the%20hidden%20power%20of%20pricing%20how%20b2b%20companies%20can%20unlock%20profit\/the-hidden-power-of-pricing.pdf\"><span style=\"font-weight: 400\">According to McKinsey &amp; Co<\/span><\/a><span style=\"font-weight: 400\">., pricing is one of the most impactful levers for driving a business&#8217; operating margins. An effective pricing strategy can deliver a 2 to 7 percent increase in return on sales.<\/span><\/p>\n<p><b>4. Effective Underwriting Tools for Small Businesses<\/b><\/p>\n<p><span style=\"font-weight: 400\">Payroll payment performance is a valuable data source for credit underwriting. As a platform, the more data points collected on the business\u2019 performance, the more accurate the underwriting becomes. This, in turn, allows companies to access attractive offers they cannot get anywhere else.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400\">How SaaS Platforms Can Minimize Their Costs and Complexity<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Building the functionality to handle payroll and spend is extremely hard and involves compliance, risk, underwriting, state licenses, and much more. Building such features is practically out of reach for most platforms.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Build vs. Buy<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Gusto Embedded &amp; CapitalOS change that paradigm by providing embedded spend management and payroll solutions that drastically reduce the effort, cost of development, and time-to-market. For example, building basic spend management functionality would require assembling a team and at least one year of development. It would also require hiring underwriting, risk, and compliance experts. Similarly, building payroll functionality in-house can take years of development and would require the assistance of compliance and risk management experts.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">In addition to the upfront cost, building payroll or expense management features in-house requires staying current on tax laws, labor regulations, and compliance.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/gusto.com\/resources\/articles\/payroll\/most-common-payroll-mistakes\"><span style=\"font-weight: 400\">According to the IRS, more than 40% of businesses get fined an average of $845 each year due to late or incorrect payroll tax filings<\/span><\/a><span style=\"font-weight: 400\">. This is one less thing small businesses have to worry about when they leverage payroll and spend management partners. See Gusto\u2019s blog post on \u201c<\/span><a href=\"https:\/\/gusto.com\/resources\/articles\/payroll\/most-common-payroll-mistakes\"><span style=\"font-weight: 400\">The 7 Most Common Payroll Mistakes Small Businesses Make<\/span><\/a><span style=\"font-weight: 400\">\u201d to avoid incurring unnecessary fees or penalties.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">By leveraging embedded partners such as CapitalOS or Gusto, SaaS providers can:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Save 1-2 years of upfront engineering work.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Leverage best-in-class solutions and tools that would otherwise take additional years of development and iteration.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Leverage domain expertise and focus engineering efforts toward industry-specific differentiators.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Delegate risk, compliance, and underwriting<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400\">Example: HappyHome Leverages Gusto and CapitalOS for Enhanced Payroll and Spend Management<\/span><\/h2>\n<h3><span style=\"font-weight: 400\">Background<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Let\u2019s say you run a home services company called HappyHome, a vertical SaaS platform designed for home and commercial service businesses, such as HVAC, plumbing, and electrical services. The platform offers comprehensive tools for managing scheduling, dispatching, invoicing, and customer relationships. However, third-party providers manage payroll and business expenses.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">The Challenges<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Service businesses like yours face complex payroll and expense management issues that are leading business owners to spend hours every week:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Varied employment types (full-time, part-time, contractors) with commission-based and hourly compensation structures<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Compliance with federal, state &amp; local regulations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Tracking and managing business expenses, such as fuel and the ad-hoc Home Depot visit<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Accurately reporting taxes and leveraging itemized tax deductions<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">To solve this problem, HappyHome could build in-house or partner with embedded payroll and spend management solutions.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Developing in-house payroll and expense-tracking solutions would require substantial resources, including significant upfront investments, ongoing maintenance, and financial regulations and compliance expertise. Instead, HappyHome decides to partner with Gusto and CapitalOS to launch a financial dashboard for its customers that includes the full money-out picture.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">How CapitalOS and Gusto Embedded work together<\/span><\/h3>\n<p><span style=\"font-weight: 400\">By partnering with Gusto &amp; CapitalOS, within weeks, HappyHome customers can:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Automatically track commissions and team members&#8217; hourly reporting. Virtually eliminate human data entry, materially reducing the number of intentional and unintentional errors. For example, a technician is on-site for a job and historically relied on manual data entry to log hours. With HappyHomes, the technician\u2019s phone now automatically detects when he is on-site, and the pay calculation is automated.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Leverage HappyHome expense cards with automated receipt collection and expense reporting.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Reduce the number of hours spent each month calculating salaries, reimbursements, tips, and bonuses.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Set spend controls (e.g., turning cards off on Sundays when the business is closed), and allow business owners to confidently delegate spending.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">HappyHome can provide its customers with simple tools that allow them to run their businesses more efficiently. For example, Elite HVAC Services, a customer of HappyHome, is now able to view the following critical information in almost real time:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Year-to-date and monthly revenue<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Year-to-date and monthly payroll expenses<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Year-to-date non-payroll business expenses<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Monthly anticipated business expenses<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Average outflows per month<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400\">Outcome<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Significantly reduced payroll processing time and administrative workload, allowing business owners to focus more on business growth and customer service. The real-time expense tracking and detailed financial insights help business owners optimize spending and improve cash flow management.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Conclusion<\/span><\/h3>\n<p><span style=\"font-weight: 400\">By embedding Gusto and CapitalOS into its platform, HappyHome offers a superior solution to business owners, helping them optimize for their business success.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">While the example above is hypothetical, there\u2019s a clear value in leveraging embedded financial tools within a vSaaS platform to offer unique synergies and a more complete product suite without extensive development timelines or compliance concerns.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Editor&#8217;s note: the following post was written by Nir Dremer, CEO and Co-founder of CapitalOS, a leading embedded spend management&#8230;<\/p>\n","protected":false},"author":18,"featured_media":653,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behind-the-paycheck"],"acf":{"exclude_from_embedded_resources":false,"popularity":0,"essentiality":0},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Manage money-out to help your customers save time &amp; money - Gusto Embedded Blog<\/title>\n<meta name=\"description\" content=\"Learn how embedded spend management and embedded payroll work together to provide a seamless solution for businesses managing money out.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Manage money-out to help your customers save time &amp; money - Gusto Embedded Blog\" \/>\n<meta property=\"og:description\" content=\"Learn how embedded spend management and embedded payroll work together to provide a seamless solution for businesses managing money out.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/\" \/>\n<meta property=\"og:site_name\" content=\"Gusto Embedded Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-30T18:00:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-06T20:17:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ravi Dehar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ravi Dehar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/\"},\"author\":{\"name\":\"Ravi Dehar\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/#\\\/schema\\\/person\\\/44eee5169a7ed880f87015de5d80157c\"},\"headline\":\"Manage money-out to help your customers save time &amp; money\",\"datePublished\":\"2024-07-30T18:00:28+00:00\",\"dateModified\":\"2024-08-06T20:17:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/\"},\"wordCount\":1631,\"image\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/emb-blog-header-capitolOS.png\",\"articleSection\":[\"Behind the Paycheck\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/\",\"url\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/\",\"name\":\"Manage money-out to help your customers save time &amp; money - Gusto Embedded Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/emb-blog-header-capitolOS.png\",\"datePublished\":\"2024-07-30T18:00:28+00:00\",\"dateModified\":\"2024-08-06T20:17:04+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/#\\\/schema\\\/person\\\/44eee5169a7ed880f87015de5d80157c\"},\"description\":\"Learn how embedded spend management and embedded payroll work together to provide a seamless solution for businesses managing money out.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#primaryimage\",\"url\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/emb-blog-header-capitolOS.png\",\"contentUrl\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/emb-blog-header-capitolOS.png\",\"width\":1920,\"height\":1080,\"caption\":\"capital os payroll payments money out header image\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/payments-payroll-capitalos\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Manage money-out to help your customers save time &amp; money\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/\",\"name\":\"Gusto Embedded Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/#\\\/schema\\\/person\\\/44eee5169a7ed880f87015de5d80157c\",\"name\":\"Ravi Dehar\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/ravi-photo-150x150.jpeg\",\"url\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/ravi-photo-150x150.jpeg\",\"contentUrl\":\"https:\\\/\\\/embeddedblog.wpengine.com\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/ravi-photo-150x150.jpeg\",\"caption\":\"Ravi Dehar\"},\"description\":\"Ravi is the product marketing lead for Gusto Embedded. In the past, Ravi worked at Plaid, Homebase, Yelp, and Google, helping businesses grow with software.\",\"url\":\"https:\\\/\\\/embedded.gusto.com\\\/blog\\\/author\\\/ravi-dehar\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Manage money-out to help your customers save time &amp; money - Gusto Embedded Blog","description":"Learn how embedded spend management and embedded payroll work together to provide a seamless solution for businesses managing money out.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/","og_locale":"en_US","og_type":"article","og_title":"Manage money-out to help your customers save time &amp; money - Gusto Embedded Blog","og_description":"Learn how embedded spend management and embedded payroll work together to provide a seamless solution for businesses managing money out.","og_url":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/","og_site_name":"Gusto Embedded Blog","article_published_time":"2024-07-30T18:00:28+00:00","article_modified_time":"2024-08-06T20:17:04+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS.png","type":"image\/png"}],"author":"Ravi Dehar","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Ravi Dehar","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#article","isPartOf":{"@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/"},"author":{"name":"Ravi Dehar","@id":"https:\/\/embedded.gusto.com\/blog\/#\/schema\/person\/44eee5169a7ed880f87015de5d80157c"},"headline":"Manage money-out to help your customers save time &amp; money","datePublished":"2024-07-30T18:00:28+00:00","dateModified":"2024-08-06T20:17:04+00:00","mainEntityOfPage":{"@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/"},"wordCount":1631,"image":{"@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#primaryimage"},"thumbnailUrl":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS.png","articleSection":["Behind the Paycheck"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/","url":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/","name":"Manage money-out to help your customers save time &amp; money - Gusto Embedded Blog","isPartOf":{"@id":"https:\/\/embedded.gusto.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#primaryimage"},"image":{"@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#primaryimage"},"thumbnailUrl":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS.png","datePublished":"2024-07-30T18:00:28+00:00","dateModified":"2024-08-06T20:17:04+00:00","author":{"@id":"https:\/\/embedded.gusto.com\/blog\/#\/schema\/person\/44eee5169a7ed880f87015de5d80157c"},"description":"Learn how embedded spend management and embedded payroll work together to provide a seamless solution for businesses managing money out.","breadcrumb":{"@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#primaryimage","url":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS.png","contentUrl":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS.png","width":1920,"height":1080,"caption":"capital os payroll payments money out header image"},{"@type":"BreadcrumbList","@id":"https:\/\/embedded.gusto.com\/blog\/payments-payroll-capitalos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/embedded.gusto.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Manage money-out to help your customers save time &amp; money"}]},{"@type":"WebSite","@id":"https:\/\/embedded.gusto.com\/blog\/#website","url":"https:\/\/embedded.gusto.com\/blog\/","name":"Gusto Embedded Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/embedded.gusto.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/embedded.gusto.com\/blog\/#\/schema\/person\/44eee5169a7ed880f87015de5d80157c","name":"Ravi Dehar","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/05\/ravi-photo-150x150.jpeg","url":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/05\/ravi-photo-150x150.jpeg","contentUrl":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/05\/ravi-photo-150x150.jpeg","caption":"Ravi Dehar"},"description":"Ravi is the product marketing lead for Gusto Embedded. In the past, Ravi worked at Plaid, Homebase, Yelp, and Google, helping businesses grow with software.","url":"https:\/\/embedded.gusto.com\/blog\/author\/ravi-dehar\/"}]}},"images":{"large":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/07\/emb-blog-header-capitolOS-1120x630.png"},"authorDetails":{"id":18,"name":"Ravi Dehar","avatar":"https:\/\/embeddedblog.wpengine.com\/wp-content\/uploads\/2024\/05\/ravi-photo-150x150.jpeg"},"_links":{"self":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/posts\/652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/comments?post=652"}],"version-history":[{"count":0,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/posts\/652\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/media\/653"}],"wp:attachment":[{"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/media?parent=652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/categories?post=652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/embedded.gusto.com\/blog\/wp-json\/wp\/v2\/tags?post=652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}