Hi Robin,

Great question — and you’re very close! Having Electronic Payroll Service allows you to process payroll, but it’s separate from Direct Deposit (EFT). Direct deposit requires an additional setup, typically through a provider like Worldline.

To get started with direct deposit, here are the key steps:

1. Sign up for the Direct Deposit service:
   How to sign up for Direct Deposit
2. Set up your employees for direct deposit:
   How to enable Direct Deposit for employees
3. Create and upload your payment file (via Worldline):
   How to upload a direct payment or deposit to Worldline

If you're instead using EFT through your bank, this article may also help: EFT (Electronic Funds Transfer) test file with creation number 0000

If you’re unsure which option is included in your plan, it’s a good idea to check with Sage support so they can confirm and guide you on the correct setup.

Let us know how you get on or if you have any questions along the way!

If this helps, please mark it as verified