Payroll Processing Services

Calgary's Expert Payroll Specialists

One missed remittance triggers a 10% CRA penalty — on day one. We run payroll, file on time, and issue T4s so that bill never arrives.

✓ CPP & EI Deductions ✓ CRA Remittances ✓ T4 & ROE Filing ✓ Direct Deposit Setup
Payroll management services
Why Outsource Payroll?

Payroll Is Complex — One Mistake Is Costly

Payroll compliance in Canada is far more involved than simply cutting cheques. CPP contribution rates change annually. EI premium rates shift. New employees, terminations, leaves of absence, bonuses, and taxable benefits all introduce complexity that small business owners simply don't have time to manage on top of everything else.

CRA payroll penalties are automatic and unforgiving — late remittances, incorrect source deductions, missed T4 deadlines, and improper ROE filings all result in real financial consequences.

At Swift, we take the entire payroll burden off your plate — accurately, on time, every pay period — so you can focus on running your business.

Book a Consultation
What We Offer

Complete Payroll Management Services

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Payroll Processing

Accurate payroll runs on your schedule — weekly, bi-weekly, semi-monthly, or monthly. All employee types handled: salaried, hourly, part-time, contractors.

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CPP, EI & Income Tax Deductions

Precise statutory deductions calculated for every employee every pay period. We stay current with annual rate changes so your calculations are always correct.

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CRA Payroll Remittances

We calculate, schedule, and confirm your payroll remittances to CRA — monthly, quarterly, or accelerated. Never miss a deadline or face a late remittance penalty.

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Record of Employment (ROE)

ROE preparation and submission to Service Canada when employees leave, are laid off, or take qualifying leaves. Issued on time to protect your employees' EI claims.

Year-End T4 & T4A Preparation

All T4 and T4A slips prepared, reconciled, and filed with CRA by the February 28 deadline. Employee copies distributed — everything done before penalties apply.

Direct Deposit & Pay Stubs

Set up direct deposit for your employees and provide professional pay stubs with every pay run. Electronic or printed — your choice.

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New Hire Onboarding

TD1 federal and provincial forms collected, payroll accounts set up, and new employees added to payroll correctly from their very first pay cheque.

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Taxable Benefits & Allowances

Properly report and calculate taxable benefits — company vehicles, group insurance, RRSP matching — so employees and CRA both receive accurate information.

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CRA Payroll Audit Support

If CRA reviews your payroll records, we represent you, provide all required documentation, and work to resolve any assessments or discrepancies professionally.

Payroll for all business sizes
Business Sizes We Serve

From Your First Employee to Your 50th

Our payroll services scale with your business. Whether you're hiring your first employee and need to set up a payroll account, or you're managing a team of 50+ with complex compensation structures — we handle it with the same accuracy and reliability.

Owner-managers paying themselves salary or dividends
Small businesses with 1–10 employees
Growing companies with 10–50 employees
Seasonal businesses with variable workforce sizes
Businesses with a mix of employees and contractors
Restaurants, retail, and hospitality with hourly staff
Professional services firms and agencies
Getting Started

Payroll Onboarding — Simple & Quick

1

Free Consultation

We review your current payroll setup, employee count, pay frequency, and any existing issues with CRA remittances or filings.

2

CRA Payroll Account Setup

If you don't have a CRA payroll account, we register it. If you do, we get access and review your current standing with CRA.

3

Employee Data Collection

We collect TD1 forms, banking information for direct deposit, and compensation details for all employees — and set up your payroll system.

4

First Pay Run & Ongoing Service

Your first pay run is reviewed together to ensure everything is correct. After that, we handle every pay period and CRA remittance deadline automatically.

The Cost of Payroll Errors

Payroll Mistakes Are Expensive

A single payroll error can cost your Calgary business thousands in CRA penalties, interest, and corrections. Here's what's at stake:

💰 Late Remittance Penalties

Penalty: 3%–10% of unpaid amount
Plus: Daily interest at CRA's prescribed rate (~8% annually)
Example: $5,000 late = $150–$500 penalty + daily interest

📋 Missing or Incorrect T4s

Penalty: $25–$100 per incorrect T4 slip
Example: 20 employees × incorrect T4 = $500–$2,000 in penalties
Plus employee disputes and corrections

⚖️ CRA Audits & Investigations

Cost: $5,000–$50,000+ in accounting/legal fees
Plus: Back taxes, interest, penalties
Time: 6–12 months of CRA correspondence

🎯 Incorrectly Classified Employees

Risk: Treating employees as contractors
Penalty: 100% of unpaid CPP/EI on misclassified workers
Example: 3 misclassified employees = $20,000+ in penalties

📝 Record-Keeping Violations

Penalty: $10,000+ for missing payroll records
CRA Requirement: Keep all payroll records for 7 years
We maintain: Secure, audit-ready records

✓ Swift Solution

Cost: $300–$1,000/month depending on employees
ROI: Prevents just ONE penalty = pays for years of service
Peace of mind: Priceless

Common Payroll Questions

Calgary Employers Ask About Payroll

What's the difference between an employee and a contractor?

Employees: You control how/when/where they work. You deduct CPP/EI/income tax. You issue T4 slips. Contractors: Control their own work. You issue T4As only. No deductions. CRA is strict on this — misclassification carries heavy penalties.

When do payroll deductions go to CRA?

Regular remitters (most small businesses): By the 15th of the month following payroll. If you miss this, CRA charges a 3%–10% penalty plus daily interest. We submit all remittances on time, every time.

What does payroll processing include?

Payroll calculations, deduction accuracy, T4 preparation, CRA remittance submission, ROE issuance, direct deposit setup, payroll tax filing, year-end reconciliation, and ongoing compliance. We handle everything.

Can you integrate with our accounting software?

Yes. We work with QuickBooks Online, Xero, Sage, and Wave. Payroll integrates seamlessly so your books are always accurate and reconciled.

What if an employee has multiple jobs?

Their total CPP/EI deductions must be coordinated across all employers to avoid over-deductions. We handle this automatically and track tax credits properly.

How much does payroll cost for a Calgary business?

Typically $300–$800/month depending on number of employees and pay frequency. We provide transparent quotes based on your actual headcount.

Do you handle year-end payroll tasks?

Yes. T4 preparation and filing (Feb 28 deadline), ROE issuance, T4 Summary filing, payroll reconciliation, and tax return coordination with your accountant.

What if we have seasonal employees or variable hours?

Not a problem. We handle any number of employees, variable hours, seasonal variations, and complex pay structures. Flexibility is built in.

Stop Managing Payroll. Let Experts Handle It.

Swift Accounting handles every pay run, deduction, remittance, and filing — so your Calgary business stays compliant and your employees get paid on time.

Book a Consultation Call (403) 999-2295