How Crisp works with your payroll
Crisp is designed to sit lightly on your business. Your team enables one lawful deduction; we do the lending. Here is exactly who does what.
What your employees experience
When an employee needs help before payday, they start a private WhatsApp conversation with Crisp. No app to download, no paperwork at your office, and nothing that goes through HR.
We check that they can afford to repay, and we show them the total amount that will come off their next pay before they agree to anything. If it is right for them, they accept a written credit agreement and the funds are paid out. If it is not, we say no. Responsibly, and without pressure.
The process is fast and human, but it is never automatic. Every loan involves an affordability check and a real review, so no one borrows more than they can safely repay.
What your payroll team does
A short, standard list: apply the agreed deduction, remit it, and tell us when someone leaves.
At setup, you give us your payroll calendar, your cutoff date, and a contact who can confirm employment. After that it is the same every cycle. Crisp sends a clear deduction file for the employees who have an active loan and have given written consent. Your payroll team applies it like any other consented deduction, before net pay, confirms it, and remits the deducted amount on the agreed date. Tell us when an employee leaves, and we handle the rest. That is the full extent of your team’s involvement. Crisp reconciles every deduction and comes to you only when a line does not match, and there are no debit-order failures to manage, because repayment never depends on a bank debit.
What Crisp handles
Everything else:
- The credit decision and the affordability assessment
- The written credit agreement with each employee
- Paying out the funds
- All customer support and questions
- Respectful, responsible collections: we never intimidate anyone
- Any complaint or hardship case
You get a documented, auditable record of the deductions you are asked to apply. You do not get the lending risk, the admin, or the difficult conversations.
What Crisp never asks you to do
You will never be asked to:
- Lend your own money or carry any of the lending risk
- Make or endorse a credit decision
- Decide who qualifies, or for how much
- Handle a repayment problem, a complaint, or a collection
Crisp is the credit provider. You are the channel that makes a lawful payroll deduction possible. Nothing more. That separation is deliberate, and it is what keeps your business protected.