Ikibazo cyo gutera inkunga umushahara no kubura umushahara kubahiriza amategeko: imisoro-ikigega cyizere, amategeko yimishahara yambere, hamwe na protocole yikiraro cyihutirwa¶

Kumenya ko konte ikora ya sosiyete yawe ibura amafaranga kugirango ikureho umushahara uteganijwe Automated Clearing House (ACH) ni kimwe mubintu byihutirwa cyane byemewe n'amategeko kandi byihutirwa nyir'ubucuruzi buciriritse ashobora guhura nabyo. Bitandukanye na fagitire y’abacuruzi, ubukode bwibikoresho, cyangwa ubukode bwa nyirinzu yubucuruzi, umushahara w abakozi hamwe n’imisoro y’imishahara bigengwa n’igihe ntarengwa cyo kwishyura giteganijwe n'amategeko, amategeko y’umukozi ku giti cye, hamwe n’ubujura bw’imishahara mbonezamubano cyangwa bw’inshinjabyaha hafi ya zose. Iyo umushinga wabuze igihe ntarengwa cyo guhembwa udashyize mu bikorwa amasezerano yemewe yo kubahiriza, ba nyirubwite bahura n’indishyi eshatu zaseswa, ibihano biteganijwe n'amategeko ku munsi ku munsi, isuzuma ry’imisoro ku giti cye, ndetse no gusezera mu ruhame byangiza ikigo gisigaye gifite agaciro.

Gukemura ikibazo gikomeye cyimishahara yimishahara bisaba guhita byihutirwa mumasaha 48 kugeza 72 mbere yo guhagarika itangwa ryamafaranga. Muguhagarika ibicuruzwa byose bitemewe n'amategeko, gutandukanya imisoro-ikigega cyimisoro-shingiro hakurikijwe amategeko agenga imisoro n’imbere mu gihugu ingingo ya 6672 (hamwe n’ibihwanye n’amahanga), gushyira imbere inshingano z’umushahara muto ntarengwa wemewe n'amategeko kugira ngo hirindwe itegeko ryubahiriza amategeko agenga umurimo, kutubahiriza ibiraro by’igihe gito byemewe n'amategeko bidashyize umukono ku bikorwa by’ubucuruzi by’ubucuruzi, kandi bigashyikirana mu mucyo n’abakozi bafite ingaruka, kandi bakavugana mu mucyo n'abakozi bashinzwe umutekano.

Kora ubu¶

1. ** Komeza umutekano wakazi ku kazi no kwitegura kohereza byihutirwa. niba hari umuntu uhuye nikibazo cyubuvuzi cyangwa akangisha kugirira nabi umubiri, hamagara nimero yawe yihutirwa (911 muri Amerika na Kanada, 112 mu bihugu by’Uburayi, 999 mu Bwongereza, cyangwa urebe byose nimero yihutirwa).
2. ** Kugenzura inzu yawe yihuse (ACH) guhagarika imishahara ako kanya. ** Menyesha umushahara wawe (nka ADP, Gusto, Paychex, cyangwa Rippling) byibuze amasaha 48 kugeza kuri 72 mbere yumushahara kugirango umenye isaha nyayo konti yawe ya banki izabitsa; ntuzigere ureka icyiciro cyimishahara cyabigenewe gitera inkunga Ikigega kidahagije (NSF), gihagarika urubuga rwa software ruhembwa kandi rugatanga ibihano byo gusubiza banki.
3. ** Hagarika buri kintu cyose kidakenewe kandi kigurishwa ACH isohoka uyumunsi.
4. ** Ntuzigere ukoresha umusoro uhembwa kugirango uhembwa umushahara utubutse cyangwa fagitire ikora. ukoresheje imisoro yahagaritswe kugirango utere inkunga umushahara utwara imuhira utera ibihano 100% byumuntu ku giti cye, bidasubirwaho Ikigega cyo Kwizera Ikigega cyo kugarura ibihano kubakozi ba sosiyete hamwe nabasinyiye cheque.
5. ** Kugena umushahara muto ntarengwa wemewe n'amategeko hamwe nuburyo bwo kwishyura igice mbere yumushahara. ** Niba umushahara wuzuye udashobora guterwa inkunga, baza abunganira akazi kugirango umenye niba gutanga umushahara mugihe kingana nibura n’umushahara muto ntarengwa wa leta na leta (hiyongereyeho amasaha y'ikirenga) ku bakozi badasonewe amasaha ashobora kugabanya ibyangiritse kuri leta mu gihe asigaye ari ikiraro.
6. ** Tanga inyandiko yanditse, ifatika kubakozi mbere yuko babitsa mu buryo butaziguye. ** Ntuzigere wemerera abakozi kuvumbura umushahara wabuze binyuze muri cheque yubukode cyangwa kwanga amakarita yo kubikuza mugitondo cyo kwishyura; gutanga inyandiko isobanutse neza isobanura igihe ntarengwa cyo kwishyura, uko umushahara wabazwe wanditswe, nuburyo amafaranga arenga kuri banki yatewe nubukererwe azishyurwa.

Ikibazo cyo gukuraho umushahara no kubahiriza amategeko igiti¶

flowchart TD
    Start["Amasaha 72 Mbere yo Kwishura: Gukoresha Amafaranga Yabuze Kugaragara"] --> CheckCash{"Ese umushahara wose wuzuye + imisoro yo kwizerana ushobora gutangwa hakoreshejwe amafaranga ako kanya?"}
    CheckCash -->|"Yego"| TriageCash["Hindura ibicuruzwa byose byishyurwa, nyirabyo ashushanya, hamwe na auto-debits <br/> Kwihutisha icyegeranyo cya A / R cyangwa gushushanya LOC iriho <br/> Ikigega cyuzuye umushahara wuzuye kandi wohereze imisoro yose yizerwa mugihe"]
    CheckCash -->|"Oya"| StopACH["Hagarika Ikarita yo kubitsa mu buryo bwikora mbere yo gutunganya Cutoff <br/> Irinde banki NSF kugaruka no guhagarika konti yatunganijwe <br/> Hindura umushahara ukore kuri cheque yintoki cyangwa kugenzura insinga"]

    StopACH --> PartialCheck{"Ese amafaranga ahagije yo kwishyura umushahara muto ntarengwa wemewe n'amategeko?"}
    PartialCheck -->|"Yego"| RunMinimum["Baza abajyanama b'akazi ku mushahara muto wo Kurinda Umushahara <br/> Bahemba abakozi badasonewe amasaha y'ikirenga + umushahara muto ntarengwa wemewe n'amategeko"]
    PartialCheck -->|"Oya"| ViabilityCheck{"Ese ibyakirwa neza cyangwa ibiraro byikiraro bizagera muminsi 5 yakazi?"}

    RunMinimum --> IssueNotice["Gutanga Amatangazo Yatinze Kumenyesha Mbere yo Kwishura"]

    ViabilityCheck -->|"Yego"| IssueNotice
    ViabilityCheck -->|"Oya"| StopWork["Hagarika ibikorwa bidakorwa by'akazi bidatinze"]

Icyiciro cya 1: Amasaha 72 mbere yo guhembwa amafaranga triage hamwe nubukanishi bwa ACH¶

Ibigo bito n'ibiciriritse byinshi bitunganya umushahara binyuze mugice cya gatatu gitanga umushahara utanga imikoreshereze yiminsi ibiri cyangwa iminsi ine Automated Clearing House (ACH) idirishya. Gusobanukirwa uburyo imyenda yimishahara ikorana na sisitemu yubucuruzi yubucuruzi ningirakamaro kugirango twirinde gufunga imari.

Nigute umushahara ACH gutura hamwe na NSF gufunga bikora¶

1. ** Idirishya ryo gukuramo inkomoko **: Niba gahunda yawe yo kwishyura ari vendredi, porogaramu yawe yimishahara isanzwe ifunga imishahara yimishahara saa 16h00 cyangwa 17h00 kumunsi wo kuwa kabiri cyangwa kuwa gatatu hanyuma igatangiza uburyo bwa elegitoronike kuri konti yawe yo kugenzura ubucuruzi bwikigo cyawe mugitondo cyo kuwa gatatu.
2. ** Ingaruka za ACH zidafite ishingiro **: Niba wemereye gutunganya umushahara gutanga amadeni yikora mugihe amafaranga asigayemo muri banki adahagije, banki yawe izatesha agaciro umwenda (R01 Insufficient Funds or R09 Uncollected Funds). Hagati aho, muburyo bumwe-bwihuse bwo gukemura, uwatunganije ashobora kuba yarangije kubika amadosiye yinguzanyo kumabanki yabakozi, cyangwa agahita ayihindura.
3. ** Kurangiza gutunganya no gufunga insinga gusa **: Isosiyete imaze guhagarika inguzanyo yimishahara yimishahara, hafi ya buri mutanga umushahara munini ahita ahagarika konte yabakoresha, akuraho uburenganzira bwo kubitsa mumezi 6 kugeza 12, gusuzuma amafaranga yibihano kuva kumadorari 100 kugeza kuri 500 yAmerika (cyangwa amafaranga y’amafaranga ahwanye), kandi bisaba ko umushahara wose uzaza guterwa inkunga yo kohereza banki kumunsi umwe.Fedwire or CHAPS) Amasaha 72 mbere.
4. ** Gukuraho icyiciro cya ** Guhindura kuri cheque yimishahara nzima, ako kanya umunsi umwe wo gusunika-kubitsa, cyangwa insinga za banki zitaha biguha amasaha 36 kugeza kuri 48 (kugeza kuwa gatanu mugitondo) kugirango ukusanyirize ibintu byihutirwa utiriwe utera ACH idasanzwe.

Kubika amafaranga ako kanya no gutandukanya konti¶

Mugihe ikibazo cyo kubura umushahara kigaragara mubyumweru 13 byateganijwe ko amafaranga yinjira, kora amafaranga yihutirwa mumuryango wose:

• ** Kuraho ibicuruzwa byabacuruzi byabigenewe **: Injira kumurongo wububiko bwubucuruzi hanyuma ushireho amabwiriza yo guhagarika kwishyura cyangwa guhagarika ACH kubitsa kubisubiramo bitemewe n'amategeko, harimo abatanga ibarura, abiyandikisha ba SaaS, urubuga rwo kwamamaza-gukoresha ibicuruzwa, hamwe no kwishura ikarita yinguzanyo idafite ingwate.
• ** Halt nyir'indishyi n'indishyi z'ubuyobozi ako kanya **: Mu mategeko agenga umurimo ndetse no guhomba amategeko agenga ihererekanya ry'uburiganya, ba nyir'ubucuruzi, abayobozi, n'abafatanyabikorwa mu by'imigabane bagomba kugabanya umushahara wabo bwite ndetse n'amafaranga yishyuwe kugeza kuri zeru mbere yo gutinza idorari rimwe ry'umushahara w'abakozi badakorwa.
• ** Fungura cyangwa ukoreshe Konti yihariye yo Kwishura Umushahara **: Niba konte yawe yambere yibikorwa ihuye nogukora mu buryo bwikora nuwatanze inguzanyo, umucuruzi winjiza amafaranga (MCA) amadeni ya buri munsi, cyangwa imisoro yabacuruzi, wimure amafaranga yimishahara kuri konti yihariye, yihariye yo kugenzura imishahara idafite uburenganzira bwabandi bantu.
• ** Kora Konti yihuse yakirwa (A / R) kugabanyirizwa hakiri kare **: Menyesha abakiriya bawe batatu ba mbere b'inguzanyo bafite ubucuruzi bafite inyemezabuguzi zemewe, zidashidikanywaho mugihe cyiminsi 15 kugeza 45 iri imbere. Tanga ako kanya 2 ku ijana kugeza kuri 5 ku ijana kugabanyirizwa inyemezabuguzi kugirango uhindure insinga za banki umunsi umwe zuzuye mu masaha 24.

Icyiciro cya 2: Ikigega-cyamafaranga yimishahara yimishahara ninshingano z'umuyobozi ku giti cye¶

Iyo amafaranga ari make, ba nyir'ubucuruzi bihebye bakunze gukora ikosa ryo kubara: bareba nimero ya "Net Payroll" (amafaranga nyirizina yo gufata mu rugo yashyizwe kuri konti ya banki y'abakozi) aho kureba nimero ya "Gross Payroll wongeyeho imisoro y'abakoresha", kandi bagakoresha amafaranga basigaye kugira ngo bishyure abakozi bahembwa mu rugo mu gihe basize abashinzwe imisoro batishyuwe.

Gusobanukirwa ibihano byo kugarura ikigega (IRC Igice cya 6672)¶

Hirya no hino mu nkiko nkuru, imisoro yimishahara igabanijwemo ibyiciro bibiri bitandukanye byemewe n'amategeko:

Munsi ya ** Kode y’imbere mu gihugu (IRC) Igice cya 6672 ** muri Amerika (** Ikigega cyo Kwizera Ikigega cyo Kwishyura Ikigega ** cyangwa TFRP), ** Igice cya 227.1 cy’Itegeko ryerekeye imisoro ku nyungu ** muri Kanada, na ** Amatangazo y’umwenda ku giti cye (PLNs) ** yatanzwe na HM Revenue na gasutamo (HMRC) mu Bwongereza:

1. ** "Umuntu Ushinzwe" Ninde? **: Inshingano z'umuntu ntabwo zigarukira gusa ku muyobozi mukuru cyangwa abanyamigabane benshi. Umukozi uwo ari we wese, umuyobozi, umuyobozi wa LLC, umuyobozi mukuru ushinzwe imari, umugenzuzi, umucungamutungo, cyangwa umwe mu bagize inama y'ubutegetsi ufite umukono kuri konti ya banki cyangwa ububasha bwo guhitamo abahawe inguzanyo bahembwa ni "umuntu ufite inshingano."
2. ** Niki "Ubushake"? **: Guverinoma ntikeneye kwerekana imigambi mibisha cyangwa uburiganya bwimisoro kugirango isuzume ibihano 100%. Mu mategeko y’imisoro yakemuwe, "ubushake" bishyirwaho mugihe umuntu ubishinzwe azi ko imisoro yimishahara igomba kwishyurwa agahitamo kwishyura * undi muntu wese uberewemo umwenda * (harimo nyirinzu, uruganda rukora ibikoresho, abatanga ibikoresho fatizo, cyangwa umushahara utwara abakozi mu rugo) aho kohereza leta imisoro yafatiriwe.
3. ** Kuki guhomba bitakurinda **: Nubwo LLC cyangwa isosiyete yawe byafunzwe hanyuma ugatanga dosiye zo mu gice cya 7 cyangwa Igice cya 11 cyo guhomba, igihano cyo kugaruza ikigega cyizerwa kiracyakurwanya wenyine. Ntishobora gusezererwa mu gice cya 7 gihomba. Abashinzwe kwinjiza imisoro barashobora gutanga imisoro ya federasiyo ku nzu yawe bwite, bagashakisha umushahara wawe w'ejo hazaza ku kazi gashya, kandi bagatanga konti yawe bwite na konti y'izabukuru.
4. ** Amategeko yo gutera inkunga umushahara w'icyuma **: Ntuzigere wishyura idorari ry'umushahara utabariyemo keretse mugihe icyarimwe washyize ku ruhande kandi ugakuraho ijanisha nyaryo ry'imibare yimisoro yabakozi-ikigega cyimisoro ifatanije nu madorari yimishahara. Niba ufite amadorari ibihumbi 50 gusa muri banki, ayo madorari 50.000 agomba kwishyura umushahara * wuzuye * wongeyeho kohereza imisoro kumushahara muto cyangwa igice, ntuzigere na rimwe 50.000 by'amadolari ya cheque net hamwe na depozisiyo ya zeru.

Icyiciro cya 3: kubahiriza umushahara wa leta, leta, n’amahanga¶

Kunanirwa kwishyura umushahara winjije ku mushahara uhoraho uteganijwe gushyirwaho kashe ku mushahara w'abakozi urenga ku mushahara uteganijwe n'amategeko. Ariko, uburyo wubaka imishahara yatinze cyangwa igice cyimikorere ihindura cyane amategeko yawe.

Amategeko agenga ubuziranenge bw'umurimo (FLSA) amategeko yo kwishyura byihuse (Amerika)¶

Muri Reta zunzubumwe za Amerika ** Amategeko agenga ubuziranenge bw'umurimo (FLSA) ** hamwe n’amategeko mpuzamahanga agenga umurimo:

• ** Itegeko ry'umugereka w'imishahara **: Inkiko z’igihugu zemeje ko umukoresha arenga kuri FLSA iyo adashoboye kwishyura byibuze umushahara muto ntarengwa wemewe n'amategeko (hiyongereyeho amasaha y'ikirenga yinjije inshuro 1.5 ku gipimo gisanzwe) ku mushahara usanzwe uteganijwe kuri uwo murimo. Nubwo umukoresha yishyura abakozi muminsi ine nyuma yuzuye, kwishyura bitinze muburyo bwa tekiniki gutinda bitemewe na FLSA, iha uburenganzira umukozi kurega ** ibyangiritse 100% byangiritse ** (byikubye kabiri amafaranga atishyuwe) hiyongereyeho igihembo cya avoka giteganijwe.
• ** Kudasonewe (Isaha) va Gusonerwa (Umushahara) Gushyira imbere **:
• ** Abakozi badasonewe amasaha **: Agomba guhembwa kumasaha yose yakozwe. Niba ugomba gukoresha umushahara wihutirwa igice, abavoka bashinzwe gutanga inama bakunze gutanga inama yo guhemba abakozi badasonewe amasaha 100 kwijana ryamasaha yabo yakoraga kumushahara muto ntarengwa wa leta, leta, cyangwa komini umushahara muto ntarengwa (hiyongereyeho igihembo cyamasaha y'ikirenga), mugihe werekana itandukaniro ryimishahara isigaye nkibyihutirwa byishyurwa mugihe gito.
• ** Abakozi basonewe (Executif, Administratif, Professional) **: Muri FLSA "ikizamini cy’imishahara" (29 CFR 541.602), abakozi basonewe bagomba kubona umushahara wabo wuzuye wagenwe kumurimo uwo ariwo wose bakoreramo * umurimo uwo ariwo wose, batitaye kumunsi cyangwa amasaha bakora. Ubushake bwo guhagarika umushahara w'abakozi wasonewe icyumweru igice cyangiza statut zabo zisonewe, bahinduranya muburyo bwumukozi wisaha wemerewe guhembwa amasaha y'ikirenga. Ariko, umukoresha arashobora gukurikiza amategeko umukozi wasonewe kumurimo wa ** wose, wuzuye wakazi ** (iminsi irindwi ikurikiranye aho umukozi akora akazi ka zeru, agenzura imeri zeru, kandi agafata terefone zeru) adafite umwenda wicyumweru.

Ibihano byo kwiba umushahara wa leta nigihugu hamwe no kugwiza-igihe cyo kugwiza¶

Inkiko nyinshi zishyiraho kugwiza gukabije byemewe n'amategeko mugihe umushahara utinze, watsinzwe, cyangwa utishyuwe iyo urangiye:

Icyiciro cya 4: Kubuza "amasaha y'isaha" cyangwa umushahara utinze¶

Iyo ubucuruzi buciriritse bwibasiye amafaranga menshi, abayobozi b'indahemuka cyangwa abakozi bakunze kwitanga kugirango bakomeze gukora "kugeza igihe abakiriya benshi bazaba barangije ukwezi gutaha," cyangwa ba nyirubwite basaba abakozi kwemera "gutinza umushahara" mu buryo butemewe kugirango bahabwe ibihembo cyangwa imigabane.

Kuki kwimura abakorerabushake no gukora nta mushahara bitemewe¶

1. ** Abakozi ntibashobora kureka mu buryo bwemewe n'amategeko umushahara n’amategeko y’amasaha *: Nkurikije amategeko y’urukiko rw’ikirenga ( Banki yo kuzigama ya Brooklyn yaburanye na O'Neil *) hamwe n’amategeko agenga umurimo mu buryo bwemewe n'amategeko ku isi hose, umukozi ntashobora gusinyira mu buryo bwemewe n’uburenganzira bwabo bwo guhabwa umushahara muto ntarengwa n’umushahara w'amasaha y'ikirenga. Nubwo buri mukozi yasinya amasezerano ya noteri yemeye gukora kubusa ibyumweru bibiri kugirango afashe kuzigama isosiyete, ayo masezerano nta gaciro afite mugihe uhageze. Umukozi uwo ari we wese waje kugenda nyuma y’amagambo mabi arashobora gutanga ishami ry’umurimo kandi akishyura 100 ku ijana y’imishahara hiyongereyeho ibyangiritse kabiri cyangwa bitatu byemewe n'amategeko.
2. ** Guhindura abakozi mu buryo bunyuranyije n’amasezerano 1099 yigenga **: Ntuzigere ugerageza kurenga kubitsa imisoro ku mushahara mugihe cyibibazo byamafaranga uhinduranya mu buryo butunguranye abakozi ba W-2 (cyangwa PAYE) nkabashoramari 1099 bigenga. Kudashyira mu gaciro bitera igenzura ry’imisoro ya leta na leta mu buryo bwikora, isuzuma ry’ubwishingizi bw’ubushomeri busubira inyuma, hamwe n’indishyi z’abakozi bahagarika akazi.
3. ** Mugihe ugomba guhagarika isaha (Yubahiriza Furlough na Layoff) **: Niba wagenzuye ko ntamafaranga yakirwa, imirongo yinguzanyo, cyangwa inshinge zishoramari zizaza mugihe cyo gutera inkunga akazi kazaza, ** ugomba gutegeka abakozi guhagarika akazi mbere yuko babona amasaha udashobora kwishyura **. Kwemerera abakozi gukomeza gukora mugihe ubuyobozi buzi ko isosiyete idashobora kwishyura kandi idashobora gutera inkunga umushahara ugaragaza abayobozi ba sosiyete uburiganya bwabaturage hamwe n’icyaha cy’ubujura bw’imishahara.
4. ** Reba amategeko yanyuma yo guhembwa mbere yo kwirukana abakozi **: Mbere yo guhagarika akazi byihutirwa cyangwa guhagarikwa mu nkiko nka Californiya, Massachusetts, Colorado, cyangwa Nevada, genzura niba amategeko ya leta asaba ** 100 ku ijana yimishahara yinjije hamwe n’ibiruhuko bidakoreshwa / PTO yishyurwa mu ntoki mugihe nyacyo cyo guhagarika akazi **. Niba wirukanye umukozi muri Californiya kuwa gatanu utabahaye cheque yabo ya nyuma aho, umushahara wumukozi wa buri munsi ukomeje gukora nk "igihano cyo gutegereza" giteganijwe n'amategeko muminsi 30 yikurikiranya (Labor Code Section 203).

Icyiciro cya 5: Amafaranga yihutirwa yo guhemba ikiraro n imitego yinyamaswa¶

Niba uburyo bwawe bwubucuruzi bwibanze bwunguka kandi kubura umushahara biterwa nigihe cyagenwe cyagenwe (nka guverinoma yizewe cyangwa umukiriya wikigo wishyura net-60 aho kuba net-30), urashobora guca icyuho ukoresheje inkunga yigihe gito. Nyamara, kuguza ubwoba mugihe cyamasaha 48 umushahara uhembwa akenshi bisenya imishinga mito.

Uburyo bwiza bwo gusenya umushahara wihutirwa¶

1. ** Inyemezabuguzi zemewe / Konti zishobora guterwa inkunga (Ikiraro cyizewe) **:
2. Niba ufite inyemezabuguzi za B2B zidashidikanywaho cyangwa inyemezabuguzi za leta, ikigo cyemewe cy’ubucuruzi cyemewe n’ubucuruzi cyangwa inguzanyo zishingiye ku mutungo kirashobora kuzamura 80 ku ijana kugeza kuri 90 ku ijana by’agaciro ka fagitire binyuze mu kohereza insinga mu masaha 24 kugeza 48.
3. Kuberako avansi yishyuwe neza nabakiriya bawe mugihe inyemezabuguzi ikuze muminsi 30 kugeza 60, ntabwo iremerera amafaranga yawe ya buri munsi hamwe na serivisi yimyenda.
4. ** Nyirubwite / Umunyamigabane Inguzanyo Yateganijwe (Ikiraro Cyizewe) **:
5. Niba nyirubwite cyangwa umushoramari yinjije amafaranga yumuntu kubitsa cyangwa umurongo w'inguzanyo kugirango yishyure umushahara, ** ntuzigere wohereza amafaranga byanze bikunze nta mpapuro **.
6. Kora byemewe, byemejwe ninama y'ubutegetsi ** Icyitonderwa cyisezerano ** cyerekana iyimurwa nkinguzanyo yigihe gito cyibigo (cyangwa umusanzu w’ishoramari), hanyuma wohereze amafaranga muri konte yabugenewe yo kwishyura kugirango umushahara rusange udashobora kuwukuraho.
7. ** Gutunganya imishahara Iterambere ryigihe gito (Risk Moderate) **:
8. Ibicu bigezweho byo guhembwa hamwe nokugurisha-kugurisha (nka Gusto, Square, Stripe, cyangwa Umurwa mukuru wa QuickBooks) bitanga igishoro cyigihe gito gikora cyangwa iterambere ryikiraro cyimishahara ukurikije umubare wawe wo gutunganya amateka. Ongera usubiremo imiterere yagenwe neza kugirango wemeze ko itarenze inyungu rusange.
9. ** Amafaranga Yabacuruzi Yinyamanswa (MCAs) (Akaga gakabije) **:
10. Irinde inyungu nyinshi "kwemererwa umunsi umwe" Amafaranga yubucuruzi atwara ibiciro byingana na 1.35 kugeza 1.50 (bihwanye nu mwaka ku ijana ku gipimo cya 80 ku ijana kugeza kuri 350%) hanyuma ugakuramo amadosiye ** ya buri munsi ya ACH buri munsi mugitondo kuri konti yawe yo kugenzura.
11. Gufata MCA kugirango yishyure umushahara wo kuwa gatanu byemeza ko mugihe gikurikira * gikurikira * cyigihembo cyimishahara, buri munsi gukuramo MCA bizaba byaragabanutseho 30% kugeza kuri 50% byinjiza byinjira, bikaguhatira "gutondekanya" MCA ya kabiri kandi bigatera urupfu mu minsi 60.

Icyiciro cya 6: Itumanaho ryumukozi no kugenzura ibyangiritse¶

Niba gutinda ku mushahara bidashoboka nubwo hajyaho ingamba zose zerekana amafaranga, uburyo ushyikirana nabakozi bawe bigena niba abakozi bawe bakomeye bagumaho kugirango bagarure ubucuruzi cyangwa gusohoka no gutanga ibirego byubuyobozi bwumurimo mugihe cyisaha.

Intambwe ku yindi itumanaho protocole¶

1. ** Menyesha abakozi MBERE yuko umushahara ugera **: Ntuzigere utegereza kugeza kuwa gatanu mugitondo abakozi babonye amafaranga ya zeru muri porogaramu zabo za banki zigendanwa. Vugana ukimara guhagarika ACH kubura (nibyiza kuwa gatatu nyuma ya saa sita cyangwa mugitondo cyo kuwa kane).
2. ** Banza uhure n'abayobozi, hanyuma ubaze abakozi bose mu buryo butaziguye **: Abayobozi b'ishami rigufi kugirango badahuma amaso kubibazo birakaze, hanyuma ukore inama itaziguye, isosiyete yose (ikurikirwa no kwemeza imeri yanditse) iyobowe numuyobozi mukuru cyangwa nyirubwite. Ntuzigere utanga itangazo ryabuze umushahara kumuhuzabikorwa muto wabakozi cyangwa ubutumwa bwikora.
3. ** Tanga igihe gifatika, kigenzurwa nigihe nuburyo **: Abakozi ntibashaka imbabazi zidasobanutse; bakeneye kumenya niba bahamagara nyirinzu cyangwa isosiyete itanga inguzanyo. Vuga amakuru nyayo: * "Bitewe no gutinda kwimura insinga kuva kuri [Client / Receivable Category], ku wa gatanu kubitsa mu buryo bwikora ntibishobora gutangwa mbere yo guhagarika banki yo ku wa gatatu. Turatanga cheque igice / ihererekanyabubasha rya [X ku ijana / byibuze byemewe n'amategeko] ejo mu gitondo, kandi amafaranga asigaye ya [Y] azishyurwa hakoreshejwe igenzura ry'umunsi umwe kuri [Itariki nyayo]."
4. ** Ingwate yo gusubizwa amafaranga y'ikirenga ya banki y'abakozi n'amafaranga yatinze **: Umushahara utinze utera guhita wangiza amafaranga ku bakozi bahembwa amasaha n'abakozi bafite ubukode bwikora, ibikorwa, cyangwa kwishyura imodoka. Menyesha mu buryo bweruye mu nyandiko: * "Niba uku gutinda kw'imishahara kugutera kwishyuza amafaranga arenze kuri banki, amafaranga ya NSF, cyangwa ikarita y'inguzanyo / ubukode bwatinze, ohereza amashusho cyangwa icyemezo cyahinduwe kuri [HR / Finance Contact] kandi isosiyete izishyura 100 ku ijana by'ayo mafaranga hashingiwe ku musoro." *
5. ** Tanga impapuro zerekana umushahara wanditse **: Nubwo kwishyura amafaranga byatinze cyangwa bigabanijwemo ibice bibiri, tanga buri mukozi ibaruramari ryanditse ryerekana amasaha nyayo yakoraga, umushahara mbumbe winjiza, hamwe n’amafaranga atishyuwe neza na sosiyete bityo abakozi bakaba baragaragaje ibimenyetso byerekana ibyo basabye.

Icyiciro cya 7: Amafaranga yishyurwa mbere yimishahara hamwe namafaranga ya leta¶

Niba ikibazo cyo gutera inkunga umushahara kigaragaza ko ubucuruzi budashobora kwishyura kandi ko bugomba guhagarikwa cyangwa gutanga dosiye yo kuvugurura igihombo, umushahara w'abakozi uhabwa amategeko yihariye kuruta abahawe inguzanyo rusange badafite ingwate:

• United States Bankruptcy Code Priority Wage Claims (11 U.S.C. Sec. 507(a)(4)): In a Chapter 11 reorganization or Chapter 7 liquidation, unpaid employee wages, salaries, commissions, and vacation/sick pay earned within 180 days before the bankruptcy filing (or cessation of business) are granted Fourth Priority status (up to an inflation-adjusted statutory cap of $15,150 per employee), getting paid ahead of all general suppliers, landlords, and unsecured lenders. In Subchapter V Small Business Chapter 11 cases, a court can authorize "First Day Wage Motions" allowing the debtor to pay pre-petition employee wages immediately to keep the workforce intact.
• ** Serivisi ishinzwe ubwishyu bw’Ubwongereza (RPS) **: Niba umukoresha w’Ubwongereza yinjiye mu bwishyu bwemewe kandi akaba adashobora guhemba abakozi, abakozi barashobora gusaba ibyumweru bigera kuri 8 by’ibirarane by’imishahara badahembwa, kugeza ku byumweru 6 by’imishahara y’ikiruhuko ibarwa, umushahara wamenyeshejwe n'amategeko, hamwe n’umushahara utangwa n’amategeko mu kigega cya Leta cy’ubwishingizi binyuze mu kigo cy’ubwishingizi.
• Canada Wage Earner Protection Program (WEPP): When a Canadian employer enters bankruptcy or receivership, Service Canada WEPP reimburses eligible employees directly for unpaid wages, vacation pay, termination pay, and severance pay earned in the six months preceding insolvency (up to an indexed maximum equivalent to four weeks of maximum insurable earnings under the Employment Insurance Act).

Ibibazo bikunze kubazwa¶

Kuyobora¶

• Vendor nonpayment and cash flow freeze
• Merchant account freeze and chargeback fraud
• Gahunda yo gukomeza ubucuruzi no gukiza ibiza
• Employee termination and workplace security
• Emergency numbers and international dispatch

Inkomoko yagenzuwe¶

• Internal Revenue Service (IRS) (United States): Internal Revenue Code Section 6672, Employment Taxes and the Trust Fund Recovery Penalty (TFRP), and Publication 15 (Circular E, Employer's Tax Guide).
• Department of Labor (DOL) Wage and Hour Division (United States): Fair Labor Standards Act (FLSA) Compliance, Prompt Payment Requirements, and Fact Sheet #70 (Frequently Asked Questions Regarding Furloughs and Other Reductions in Pay and Hours Worked Issues).
• Employee Benefits Security Administration (EBSA) / Department of Labor (United States): Fiduciary Responsibilities for Employee Benefit Plans and 401(k) Contribution Remittance Deadlines.
• California Department of Industrial Relations (DIR) and New York State Department of Labor (United States): Waiting Time Penalties (Labor Code Sec. 203), Officer Personal Liability (Sec. 558.1), and Wage Theft Prevention Act Guidelines.
• HM Revenue and Customs (HMRC) and The Insolvency Service (United Kingdom): PAYE Late Payment Penalties, Personal Liability Notices (PLNs), and Redundancy Payments Service (RPS) Insolvency Guidance.
• Ikigo gishinzwe kwinjiza imisoro muri Kanada (CRA) hamwe n’akazi n’iterambere ry’imibereho ya Kanada (Kanada): * Inshingano y’umuyobozi mu kugabanywa ku isoko ridakuka (Itegeko ry’imisoro ku nyungu Sec. 227.1) na Gahunda yo Kurengera Umushahara (WEPP) *.