 A payroll card functions like a debit card and allows an employee to access their pay.A payroll card is typically less convenient than cashing a paper paycheck, because the card can be used at participating automatic teller machines to withdraw cash (which usually requires the employee to pay a hefty fee to access their own money and always have daily limits for how much of their own money an employee can access daily) or in stores to make purchases.Most payroll cards will charge a fee if used at an ATM more than once per pay period.