Paydays your customers can trust

Bankday computes pay dates and payroll submission deadlines from the payment systems' own calendars: the Federal Reserve for US direct deposit, Payments Canada for Canadian EFT. Your payroll calendar, your help center and the bank all agree.

Mistakes we keep finding

While building Bankday we read the holiday and payment-timing pages of dozens of companies in this space. These come up again and again:

• Listing Friday, July 3, 2026 as a bank holiday. The Fed was open: when a holiday falls on a Saturday, it doesn't close on Friday. The same thing happens on June 18, December 24 and December 31, 2027.
• Treating Black Friday or Good Friday as Fed holidays. ACH settles on both.
• Marking provincial holidays like Family Day or the Civic Holiday as Canadian banking holidays. Payments Canada stays open, while Boxing Day 2026 closes it on Monday, December 28.
• Copying last year's weekdays into this year's holiday article, so the dates and the days of the week don't match.

A year of paydays in one call

Weekly, biweekly, semimonthly or monthly. Paydays that land on a weekend or holiday move to the previous business day, and each one comes with the business day the payroll file is due:

curl "https://bankday.dev/v1/payroll/schedule?calendar=us-fed&frequency=semimonthly&days=15,last&year=2027" \
  -H "Authorization: Bearer $BANKDAY_KEY"

{ "scheduled": "2027-02-15", "pay_date": "2027-02-12", "adjusted": true,
  "reason": "Washington's Birthday (Presidents Day)", "submit_by": "2027-02-10" }

See the output for every common schedule on the 2027 payroll calendars (US and Canada), generated by the same engine.

Also included

• Minimum wages by address: /v1/minimum-wage returns the federal, state, county and city rates at a work address, the tipped cash wage and the next change. How it works.
• Approval deadlines: /v1/business-days/add counts back the business days your processor needs.
• Same Day ACH: /v1/ach/settlement knows the three FedACH windows and the per-payment limit.
• Cross-border payroll: Joint calendars such as us-fed,ca-payments return days both countries settle, and 247 country calendars cover public holidays everywhere else.
• AI assistants: The same tools over MCP, so an agent can answer "when do I need to run payroll for the Christmas week?"

Full reference: API docs · the Saturday holiday rule · payment rail calendars

Pricing

Need on-prem data, a custom calendar (e.g. your bank's own processing days) or annual invoicing? Talk to us; Enterprise and dataset licences start at $5,000/year (see the minimum wage dataset).

Questions, a custom calendar (your bank's own processing days) or a dataset licence for an in-house system? Write to the founder at ryanhalper@bankday.dev or hello@bankday.dev.