Yea I mean how do people think large companies do things like payroll which is easily more than this monthly.

Payroll is done with ACH, not wire transfer. ACH is reversible so it has fewer controls. Wires are not (generally) reversable.

> Payroll is done with ACH, not wire transfer

For large payrolls, it would be done over wire (between the employer and payroll processor). The employer has leverage and wants to keep the float.

You’d have to be a _very_ large payroll to have leverage over adp.

For many payroll operations between big employers and payroll processors it’s an inner bank ledger transfer as the big payroll processors have good reason to maintain accounts at many banks.

Vice versa is also true. If you have a very large payroll your treasury team is not put out by having accounts at lots of banks.

> it’s an inner bank ledger transfer

This is common. But so are wires.

Technical Protocol doesn’t matter we’re talking approval and liquidity here. ACH/Wire same dif.