Payroll Processing Services
Payroll Processing &
Auto-Enrolment Services
secure, and fully compliant payroll management service designed for high-performing businesses.
Payroll Compliance Has Never Been Less Forgiving — Or More Time-Consuming
Running payroll correctly in the UK isn’t a once-a-month task anymore. It’s a continuous, deadline-driven compliance obligation with real financial and legal consequences attached to almost every step — and 2026/27 has brought the biggest single-year shift in employer obligations in years.
What Businesses Are Now Up Against:
Real Time Information (RTI)
A Full Payment Submission is due on or before every single payday, with automatic HMRC penalties starting at £100 per month and rising to £400 depending on headcount
Employer National Insurance at 15%
Employer National Insurance at 15% on earnings above a £5,000 secondary threshold, following the 2025 rate change — a costly area to get wrong
National Living Wage at £12.71/hour
National Living Wage at £12.71/hour for workers 21 and over, with overtime, deductions, and salary sacrifice arrangements all capable of accidentally pulling pay below the legal minimum without anyone noticing
Statutory Sick Pay payable from day one
Effective April 2026 — removing the previous three-day waiting period and changing how SSP needs to be calculated and budgeted for
Extended record-keeping
Holiday pay records must now be retained for six years, on top of the standard three-year requirement for core payroll records
The Fair Work Agency
Operational since April 2026, consolidating enforcement bodies with the power to look back six years into your payroll records and issue penalties of up to 200% of any underpayment — up to £20,000 per affected individual
Auto-enrolment penalties ranging from £400 to £10,000
Auto-enrolment penalties ranging from £400 to £10,000 for non-compliance, on top of the ongoing duty to assess, enroll, and manage contributions for every eligible member of staff
None of this is optional, none of it pauses when you’re busy running the actual business, and HMRC’s own enforcement data shows the mistakes are common: recent enforcement rounds alone identified hundreds of employers underpaying the National Minimum Wage, with millions of pounds in arrears and penalties issued. This is exactly the kind of risk that grows quietly in the background until an inspection or an employee dispute brings it to the surface.
Our Payroll & Pension Service — Powered by a Secure Cloud Platform
Silver Stone Partners runs client payroll, pension, and CIS on a secure, HMRC-integrated cloud platform built specifically to handle the volume and complexity UK payroll now demands — from a single-director company to a business running payroll for hundreds of staff.
Seamless Data Capture
Payroll starts with clean data — new starters, leavers, hours, overtime, benefits, and pension changes, captured through a structured, secure process rather than spreadsheets circulated by email. Companies and employees can be onboarded individually or added in bulk via import, with historical opening balances brought across cleanly when you switch to us. This is where most payroll errors actually originate, and it's where we focus the most care.
Secure BACS File Generation for Payment
Once payroll is finalised, we generate BACS-ready payment files directly from our platform — accurate, reconciled, and ready for your bank to process, removing the manual step (and manual error risk) of re-keying payment data between systems.
Accurate Processing, Every Cycle
- PAYE and National Insurance calculated correctly against current rates and thresholds, updated automatically as legislation changes
- Correct NIC category application, including the categories most prone to error — under-21s, apprentices under 25, and qualifying veterans
- Statutory payments calculated correctly — SSP, SMP, SPP, and Shared Parental Pay — based on accurate average weekly earnings, not estimates
- Real Time Information submissions (FPS and EPS) and P11Ds filed on or before every payday, directly integrated with HMRC
- Bulk HMRC tax code notices downloaded and applied across your whole payroll in one pass, so updates are never missed or actioned late
- Annual leave tracked and managed for both part-time and full-time staff, kept in step with pay so entitlement and pay never drift apart
Employer and Employee Self-Service Portal
Every client and their staff get access to a dedicated online portal and mobile app, so payslips, P60s, and P45s are available to download at any time rather than chased by email. Employers keep clear visibility and sign-off control before anything is submitted or paid, and payroll journals are posted automatically into your bookkeeping records so pay costs reconcile without extra work.
Built for High Volume, Without Losing Control
Our platform is hosted in the cloud with enterprise-grade encryption, automatic backups, and full GDPR compliance — and it's built to handle batch processing at scale. Whether you're running payroll for a handful of staff or several hundred, the same secure, structured process applies.
Auto-Enrolment & Pension Management
Auto-enrolment isn’t a box you tick once when you hire your first employee — it’s a continuous legal obligation under the Pensions Act 2008, and one of the most common sources of avoidable penalties for UK employers. We manage the full pension lifecycle for you, not just the initial setup.
What Businesses Are Now Up Against:
Eligibility assessment
Every pay run, correctly identifying which staff must be enrolled, which are entitled to opt in, and which fall outside the duty
Contribution calculation
At the correct minimum levels — 8% total minimum, with at least 3% from the employer — applied accurately every pay period
Enrolment within the legal window
Eligible employees must be enrolled within specified deadlines from their start date, and we manage this so it never slips
Direct filing to your pension provider
We link your existing scheme, or set up a new one, and file contributions and new enrolments directly from payroll each cycle. We work with all the major UK workplace pension providers, including Nest, Smart Pension, NOW: Pensions, The People's Pension, Aviva, and Legal & General, so contributions reach the right scheme automatically without a separate manual upload
Automatic scheme letters
Enrolment, opt-out, postponement, and re-enrolment communications are generated and sent to staff as required, so statutory notices are never missed
Opt-outs, opt-ins, and re-enrolment
Including the recurring three-year re-enrolment and re-declaration cycle that catches many employers out because it happens infrequently enough to be forgotten
The Pensions Regulator declaration of compliance
The Pensions Regulator declaration of compliance, filed correctly and on time
Ongoing monitoring
Ongoing monitoring of every employee's pension status as thresholds, rates, and your workforce change, so auto-enrolment stays correctly configured rather than drifting out of compliance quietly over time
Pension included as standard
Pension included as standard in our payroll service — there's no separate system to manage, no separate provider portal to log into, and no extra charge layered on for handling contributions correctly
CIS Management — For Contractors and Subcontractors
Where your business engages subcontractors under the Construction Industry Scheme, we handle this alongside your payroll rather than as a bolt-on:
- Subcontractor verification requests submitted directly to HMRC
- CIS deductions tracked against subcontractor invoices, with payslips and deduction certificates generated automatically
- CIS300 returns prepared and filed directly, with deductions offset correctly against PAYE due
Why Outsource Payroll Rather Than Run It In-House
The legal responsibility never actually moves
Even with good software, the employer remains legally liable for payroll accuracy. The real value of outsourcing isn't just the software; it's a team that reviews what goes in, not just what comes out
The compliance calendar is relentless
FPS on or before every payday, PAYE/NIC due by the 22nd, EPS by the 19th, P60s by 31 May, P11Ds by 6 July — missing any of these triggers automatic penalties
Legislative change is now constant
The Employment Rights Act 2025, day-one SSP, the Fair Work Agency's expanded powers, and evolving auto-enrolment thresholds all landed within the same 12-month window. Keeping pace with this internally is a genuine, ongoing workload
Errors compound
A single incorrect tax code or missed auto-enrolment deadline doesn't stay small; it becomes a corrected RTI submission, a backdated pension contribution, and, in the worst cases, an employee dispute or regulator enquiry
Why Silver Stone Partners
A modern, secure, HMRC-integrated platform
Not a legacy desktop system prone to version conflicts and email-based data sharing
Built for scale
The same secure, structured process whether you have three employees or three hundred, with batch processing designed for exactly that range
Human review, not just automation
Software calculates; our team checks that what went in was actually correct, because HMRC holds you responsible either way
Auto-enrolment and pensions genuinely managed, not just set up once
Including direct provider filing, scheme letters, and the easily forgotten three-year re-enrolment cycle
Connected to your wider compliance
Because we also handle your bookkeeping, VAT, and corporation tax, your payroll costs and pension contributions are already reconciled correctly in your accounts, not a separate, disconnected process
Frequently Asked Questions
Structured data capture, automatic legislative updates (tax bands, NIC rates, statutory pay rates), and built-in validation checks catch inconsistencies before submission — rather than errors surfacing months later at year-end reconciliation or during an HMRC enquiry.
Yes — it’s built for batch processing at scale, hosted with enterprise-grade encryption and automatic backups, and supports multi-user access so larger teams can collaborate without version conflicts or emailing sensitive payroll data around.
We manage the transition, including migrating historical payroll and pension data and verifying continuity in RTI submissions, so there’s no gap or duplication in your HMRC or pension provider records during the switch.
Yes — auto-enrolment duties apply from your very first member of staff, and the assessment and administration burden is often disproportionately heavy for very small employers precisely because there’s no internal HR team to manage it. This is exactly where outsourcing tends to deliver the most relief.
Software handles calculations; it doesn’t take on legal responsibility for accuracy, review unusual entries, or manage the judgement calls software can’t make (statutory pay eligibility, correct worker classification, benefit-in-kind treatment, pension eligibility edge cases). Many clients come to us after software alone left them exposed to an error they didn’t catch.
We file directly to all the major UK workplace pension providers, including Nest, Smart Pension, NOW: Pensions, The People’s Pension, Aviva, and Legal & General, so whichever scheme you already use — or whichever we help you set up — contributions are filed automatically each pay run.
BACS files are generated directly from our platform once payroll is finalised and reconciled, ready for your bank to process — removing manual re-entry of payment data, which is one of the most common points where payment errors are introduced.
Ready to Consult About Payroll Processing?
Stop treating payroll and pensions as a risk you manage in the background. Let our secure payroll and pension platform, backed by our team, take it off your plate entirely.