<translation>Code me an app. What do you mean I have to call you and discuss design? No way I'm calling a developer and dealing with all the geeky stuff. Just list me a flat price and timeline per app. </translation>
Even if you feel that payroll is a solved problem, you still need to deal with people. Anytime something is important you want a specific person in charge of it's execution. Imagine that you have a business of 50 employees and one day the payroll doesn't get processed correctly. You now have 50 angry employees on your doorstep. How much do you think they will care that you've filled out a form on a website asking for resolution? Or that you're on continuous hold with some call center op that is paid $2 a day regardless of if he solves your problem.
You pay an account rep commission so you have an individual person who's direct personal livelihood depends on a well executed service.
Even if you feel that payroll is a solved problem, you still need to deal with people. Anytime something is important you want a specific person in charge of it's execution. Imagine that you have a business of 50 employees and one day the payroll doesn't get processed correctly. You now have 50 angry employees on your doorstep. How much do you think they will care that you've filled out a form on a website asking for resolution? Or that you're on continuous hold with some call center op that is paid $2 a day regardless of if he solves your problem.
You pay an account rep commission so you have an individual person who's direct personal livelihood depends on a well executed service.