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What is a pay stub?

A paystub, or paycheck stub, is a document issued by a company to its employees as proof of payment for their employment. The paystub will have the earnings of the employee for a given pay period.

Who should use a pay stub generator?

Small business owners in the United States can make use of online paystub generators to issue paystubs to their workforce. In addition, sole proprietors can create paystubs for themselves to have proof of income.

What should I include in a pay stub?

A paystub should contain company and employee information along with salary information. The salary information includes the amount earned by the employee for the pay period, taxes withheld such as FICA and state withholding taxes, other earnings such as bonus and overtime, and deductions.

Is my data safe when using your service?

Yes. We keep all your private data safe and secure by incorporating security measures such as SSL/TLS. Your personal identifiable information (PII) is also encrypted for advanced security.

What are the accepted payment methods?

We support payments using both credit and debit cards, which include all popular card types such as Mastercard, American Express, and Visa.

Do I have to pay any additional charges to make updates to my pay stubs?

No. You can make unlimited updates to your pay stubs created using SecurePayStubs for free. There’s no additional charge or limit to the number of updates.

Can I request a refund?

If for any reason such as you weren’t able to access pay stubs, you can request a refund within 30 days of order completion. To learn more about our refund policy.

When can I access my pay stubs?

Once you make a purchase and complete the order successfully, you can access your pay stubs. You can download the pay stub or let us send it to your employees or contractors on your behalf. You will have access to your pay stubs as long as you have an active account with us.

Will there be any mention of SecurePayStubs in my pay stubs?

No. There will not be any mention of SecurePayStubs in the form of text or a logo. Also, you won’t find any watermark on your pay stubs after completing the order.

What do we mean by flat pricing?

With SecurePayStubs, you can use all the features offered without any restrictions or limitations. You won’t be charged any additional amount for using a feature and there won’t be any hidden charges. You only have to pay $2.99 per pay stub.

Are the taxes calculated accurate?

Yes. Both the federal and state taxes calculated for your employees are accurate. We calculate these taxes based on the current payroll laws. However, we only calculate the taxes based on the information you provided. So, please ensure every piece of information you provide is accurate.

What is 2020 Form W-4?

Employees fill out Form W-4 with their filing status and the number of exemptions and share it with their employers. Employers will withhold taxes based on the information provided in the form. However, the IRS has revised Form W-4 in 2020 to reduce the complexity of the form. Employees hired on or after January 1, 2022, will need to submit only 2020 Form W-4.

Why is Form W-4 needed to create pay stubs for my employees?

Based on the information provided on employee’s Form W-4, we will calculate the federal income tax applicable to withhold from their pay. Federal taxes for employees will vary based on the form, i.e., 2019 or 2020 Form W-4.

How do I add overtime or bonus to the pay stub?

In the Salary Information step, under Earnings, click on Add another earning and choose overtime, bonus, or any other earnings to be added to the pay stub. Enter the amount and Year-to-date (YTD) for the earning and proceed to download.

How do I add deductions for health insurance to the pay stub?

In the Salary Information step, under Deductions, click on Add deduction and choose any deductions from the list to be added to the pay stub. Enter the amount and Year-to-date (YTD) for the deduction and proceed to download.

I don’t have EIN. What should I do?

If you have just applied for an EIN and did not receive it yet, you can leave the field empty and continue with completing other fields. As the EIN field is optional, you can leave it blank and create pay stubs for employees and contractors.

My employee didn’t give Form W4. What should I do?

If your employee did not submit their Form W-4, you can choose single as their filing status with no other entries on steps 2, 3, and 4 of the Form W-4. Based on the selection, the taxes will be calculated appropriately.

Are pay stubs created using SecurePayStubs considered legal?

Yes. As long as the information provided is correct.

What is an employee and contractor pay stub?

While an employee pay stub will have federal and state tax deductions listed, the contractor pay stub will not have any taxes. This is because companies should not take any deductions or taxes out of the payments made to contractors.

There is a watermark on the pay stub. When will it be removed?

The watermark on the paystub will appear until the preview step and it will be removed from the pay stub after you make payment and complete the order successfully.

I am getting $0 as federal and state tax for an employee. Is this correct?

A few employees will have $0 as federal and state taxes if their salary did not meet the threshold for taxes or if they have more dependents with less salary.

My card was charged, but I couldn’t complete my order. What should I do?

This could be because your payment may have been declined. Or, there was a mismatch between the billing address you entered and the registered address. Please make sure you enter the correct card information including the billing address.

What information do you collect?

We collect only the necessary information that is needed to create pay stubs. Please refer to our privacy policy to learn what information is collected from you and how we use and secure it.

Can I change the template after completing the order?

Yes, you can. To change the template, follow the steps below:
  1. Navigate to Dashboard and click on Options corresponding to the pay stub for which you want to make corrections.
  2. Select Make Correction and confirm action by clicking theYes, Make Correction in the popup.
  3. Select the template that you want to update and complete the following steps.

Your pay stub will be updated with the new template, which you can download and email to the employee or contractor.

SecurePayStubs offers a variety of professional pay stub templates tailor made for every individual and business needs. You can select the one you need and use it for free!

How do I download and email paystubs?

Once you complete the order, you will have an option to download or email pay stubs from the Dashboard of your SecurePayStubs account.

You can download and email paystubs immediately to recipients after completing the order or you can quickly access them from the pay stub history.

I want to make updates to pay stubs. How do I do that?

Yes, you can. To make updates, follow the steps below:
  1. Navigate to Dashboard and click on Options corresponding to the pay stub for which you want to make corrections.
  2. Select Make Correction and confirm action by clicking the Yes, Make Correction in the popup.
  3. Update the changes that you want to make and complete the following steps.

Your pay stub will be updated with the correct information, which you can download and email to the employee or contractor.

What is YTD?

YTD amount means year-to-date amount. A year-to-date amount is the sum of the amount for the time between the beginning of the current year and the current date.

What is FICA tax?

FICA (Federal Insurance Contributions Act) tax is deducted from an employee's paycheck to pay social security and Medicare. Social Security is for the Old Age, Survivors and Disability Insurance program and Medicare is for the Hospital Insurance program.

2022-2023 FICA tax rates and limits

TaxEmployee paysEmployer pays
Social Security tax (aka OASDI)6.2%
(only the first $147,000 in 2022; $160,200 in 2023).
6.2%
(only the first $147,000 in 2022; $160,200 in 2023).
Medicare tax1.45%.1.45%.
Total7.65%.7.65%.
Additional Medicare tax0.9%
(on earnings over $200,000 for single filers; $250,000 for joint filers).

Can a 1099 contractor get a pay stub?

Since 1099 contractors are self-employed, they mostly won’t receive pay stubs from their employers. However, a 1099 independent contractor can generate their own independent contractor pay stubs for clients they have worked for and get paid for the services they provided.

How does IRS classify someone as an independent contractor?

Previously, the IRS used a “20 Factor Test” to evaluate whether a worker was an employee or an independent contractor.

These factors have now been compressed into three general categories for IRS review of the specific situation

  • Behavioral control
  • Financial control calculations.
  • Relationship of the parties

Based on how the worker fits in the said factors, the individual will be determined either as an employee or an independent contractor

Is it legal for an employee to ask for pay stub in California?

Yes, it is perfectly legal to ask your employee paystubs in California. According to California labor law, employers must provide pay stubs to their employees when paying salaries.

What information must be included on a paycheck stub in California?

California Labor Code Section 226(a) outlines the following information to be included on employee pay stubs:

  • Employee name
  • Legal name and address of the company
  • Only the last four digits of the employee’s social security number or an employee identification number
  • Total work hours, including overtime (not applicable to salaried exempt employees)
  • Pay period with beginning and end dates
  • Gross earnings
  • Net earnings
  • The number of piece-rate units earned and any applicable piece rate if the employee is paid on a piece-rate basis
  • All deductions, provided that all deductions made on written orders of the employee may be aggregated and shown as one item
  • All applicable hourly rates in effect during the pay period and the corresponding number of hours worked at each hourly rate by the employee
  • Available sick leaves

What is California pay stub law?

Under California employment law, an employer is required to provide pay stubs to their employees when paying their wages. If an employer leaves out certain information or includes incorrect information, they may be in violation of California labor laws and subject to a statutory penalty.

Employers who don’t issue pay stubs to employees may incur a penalty of $50 for the first pay period and $100 from the second pay period, up to a maximum of $4,000 per employee.

Do independent contractors get form W-2 or 1099?

The information return provided will be determined by the worker’s role in a company. If you're working as an independent contractor, you will be given Form 1099; if you're an employee, then you will be given form W-2.

How can I show proof of income without pay stubs?

If you don’t have a pay stub, you can provide bank statements reflecting deposits from your employer, get your employer to produce a letter stating how much and how often you are paid or do both in order to show proof of income without pay stubs.

You can also do any of the following to show proof of income.

  • Provide W2s or wage and tax statements
  • Show your tax returns
  • Provide profit and loss statements
  • Provide an employment contract
  • Provide documents related to worker's comp

Is it easy to make fake paystubs?

Yes. Though it is easy to create fake pay stubs, it is not legal to do so. Creating a fake pay stub and using it as proof of income could set you up for a serious legal issue. It will usually result in a fine, and in extreme cases, you may even face jail time.

How can I create pay stubs as a small business owner?

As a small business owner, you can make use of an online pay stub generator to create pay stubs for your employees.

SecurePayStubs is the right choice for small businesses like yours. You can download free pay stub templates, customize them based on your needs, and create your employee pay stubs in minutes! After creating the paystubs, You can download and share it with your employees or allow us to send them to the employees on your behalf.

Is it illegal to make a pay stub?

Though it’s not illegal to create your own pay stub, making a fake pay stub and providing it as proof of income is illegal and against the law. You may be subjected to heavy penalty charges, and in extreme cases, may even face jail time.

Which is the best Paystub generator?

SecurePayStubs is an easy-to-use and secure online stub generator to create quick and professional-looking pay stubs.

If you’re an independent contractor, entrepreneur, or running a small business, you can make use of your online pay stub generator to create accurate paystubs in minutes!

We also ensure that all federal and state taxes are calculated correctly and in compliance with the current payroll tax laws.

How can I create my own pay stubs?

The easiest way to create your paystub is to use SecurePayStubs, one of the best online paystub generator software.

SecurePayStubs generates your pay stubs in 3 simple steps

  • Provide your company, employee, and salary information (with earnings and deductions), for accurate tax calculations.
  • Choose a template that fits your business, preview thepay stub, and ensure the information provided is correct.
  • Finally, download the pay stub and have it emailed to you!

Can a self-employed individual make their own pay stub?

Absolutely! A self-employed individual who might not receive paystub from an employer may opt to use an online pay stub generator like SecurePayStubs to generate pay stub and accurately determine their earnings and deductions.

With basic information about the individual, company, along with their earning information, you can generate pay stubs in 3 simple steps!

Do self-employed individuals have paystubs?

Since a self-employed individual might not receive a paystub from an employer, they can create their own paystub and accurately determine their earnings and deductions. They can also use the paystub to get paid for their services.

Do self-employed individuals get paystubs?

Generally, pay stubs are issued to an employee along with their paychecks for each payment cycle. However, this is not the same for self-employed individuals as they don’t receive self-employed paystubs from their employers.

What documentation can a self-employed use as proof of income?

As a self-employed individual, you can use the following documents as proof of income

  • Annual Tax Return (Form 1040)
  • Form 1099
  • Bank statements (if you don’t have a corresponding 1099 form)
  • Self-Employed Pay Stubs

How do you get pay stubs as an self-employed individual?

Self-employed individuals usually don't receive a pay stub from their employers. Instead, they report all income based on 1099s received for contracted work.

If you’re a self-employed individual, you can use an online paystub generator to create your own pay stub with earnings and deductions calculated.

You can create pay stubs with accurate federal and state taxes.

Create a paystub now