Power "Easy Payroll Sync" Across 80+ Providers Without Building It
PayKonnect is the embedded integration layer that retirement platforms use to deliver on their payroll sync promise — connecting to 80+ payroll providers without diverting engineering from your core product.
The Integration Challenges You're Facing
Your product promise includes 'easy payroll sync' — but that promise has to work across 100+ different payroll systems
Maintaining proprietary integrations is expensive and diverts engineering from core retirement platform features
SECURE 2.0 regulatory updates require rapid data field changes across all payroll provider connections simultaneously
Employers expect integration to work without IT involvement — but payroll systems vary wildly in format and access method
How PayKonnect Solves This
Embedded integration layer: Vestwell and J.P. Morgan ProgramPay already use PayKonnect to power 80+ payroll provider connections
White-label integration capability: describe it as your own feature to employers and plan sponsors
SECURE 2.0 maintained by PayKonnect, not your engineering team — Roth catch-up and super catch-up fields updated before the January 2026 effective date
Employer-facing setup requires no IT intervention for the major payroll platforms — direct API integration where available
Relevant Integration Types
The Payroll Sync Promise
Retirement platforms compete on the simplicity of their employer experience. “Connect your payroll and never touch contribution data again” is a powerful promise — and it’s the promise your sales team makes. Delivering it requires a working connection to whatever payroll system the employer uses.
The problem: employers use 100+ different payroll systems. Some are major platforms with clean APIs (Gusto, Paycor, ADP). Many are regional payroll bureaus that export fixed-width flat files. Some are legacy desktop systems. Maintaining a direct integration with all of them is an infrastructure investment that most retirement platforms can’t justify against their core product roadmap.
PayKonnect solves this by being the infrastructure layer your platform doesn’t have to build.
Already Powering the Platforms
Vestwell’s support documentation and J.P. Morgan Everyday 401k’s ProgramPay support articles (published November 2025) explicitly document PayKonnect-enabled integrations with 80+ payroll providers. This isn’t theoretical — it’s how these platforms currently deliver on their payroll sync promise to employers.
The model is straightforward: the platform presents a branded “connect your payroll” workflow to employers. Behind it, PayKonnect handles the format normalization, field mapping, and ongoing maintenance for each payroll provider. Regulatory updates (like SECURE 2.0) happen at the PayKonnect layer.
SECURE 2.0 at Scale
The January 1, 2026 effective date for mandatory Roth catch-up designation required every active payroll-to-recordkeeper integration to add new data fields. For a retirement platform with thousands of employer clients across 80+ payroll systems, that’s a massive simultaneous update requirement.
PayKonnect updated its integration layer before the effective date. All connected payroll providers received the SECURE 2.0-compliant field additions — prior-year Social Security wages, super catch-up designation, YTD SSA wages — through a single PayKonnect update cycle. No employer-by-employer remediation required.
Read more about SECURE 2.0 payroll integration requirements or explore the full provider network.