Surf: AI-Powered Payroll and Compliance for Startups and Small Businesses

Surf is an AI-powered payroll and compliance platform designed specifically for startups and small businesses. It streamlines payroll processing, tax filings, employee benefits, and multi-state compliance with real-time automation and intelligent assistance. At the heart of the platform is the Surf AI Agent, a built-in AI assistant that guides users through onboarding, tax questions, and compliance tasks, making complex processes simple and accessible. Surf eliminates the need for government portals by handling all registrations, filings, and documentation in one unified dashboard. With features like off-cycle payroll, automatic 1099-NEC generation, and support for multiple pay frequencies, Surf ensures flexibility and accuracy. The platform also supports employee benefits, garnishments, and wage deductions, all secured under SOC 2 Type II-aligned standards with AES-256 encryption. Surf offers a free tier for teams of up to 10 employees and transparent pricing starting at $10 per employee per month for larger teams.

Key Features:

• AI-Powered Onboarding and Support: Surf AI Agent assists with employee onboarding, tax questions, and real-time guidance.
• Automated Payroll and Compliance: Handles payroll, tax filings (W-2, 1099, Form 941), and multi-state compliance automatically.
• Flexible Payroll Options: Supports weekly, biweekly, semi-monthly, and monthly pay schedules with off-cycle payroll at no extra cost.
• Contractor Management: Automates 1099-NEC generation and payments to independent contractors.
• Benefits Integration: Manages health, financial, and transportation benefits (HSA, FSA, 401(k)).
• Deductions and Garnishments: Supports wage deductions, including child support (excluding South Carolina).
• Real-Time Visibility: Employees can view and download pay stubs, W-2s, and 1099s online.
• Security and Compliance: Built with SOC 2 Type II alignment, AES-256 encryption, and 24/7 monitoring.
• Fast Onboarding: Setup takes less than 10 minutes with free migration and no paperwork.
• Free Trial and Demo: Offers personalized demos and a free trial to explore the platform.
• First Wave Founder’s Program: Provides $50,000 in payroll credits and lifetime free payroll for up to 10 employees per run.

Pricing: Surf offers a free plan for teams of up to 10 employees and a paid plan starting at $10 per employee per month for teams of 11 or more. Custom plans are available for high-volume or complex needs. There are no hidden fees or long-term contracts.

Conclusion: Surf is a powerful, AI-driven payroll and compliance solution that simplifies financial operations for startups and small businesses. Its intelligent automation, user-friendly interface, and comprehensive feature set make it an essential tool for modern businesses looking to streamline payroll and stay compliant with ease.