> ## Documentation Index
> Fetch the complete documentation index at: https://docs.shorpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Funding Your Shor Account

> How to connect a bank account so you can pay your team.

Before you can pay workers, you need to connect a funding source so Shor has somewhere to pull money from. Today, that's done by connecting your company's bank account to the virtual account Shor creates for your business.

## How Funding Works

When your company is approved, Shor provisions a **virtual account** for you. This is a dedicated account Shor manages on your behalf and uses to send payments to your workers. You move money into it from an external business bank account that you connect.

<Steps>
  <Step title="Connect a Bank Account">
    Go to **Finance → Connections** and click **Connect Bank Account**. You'll be guided through a secure flow to link your business bank account.
  </Step>

  <Step title="Verify the Connection">
    Depending on your bank, verification happens either instantly via a login, or by confirming small test deposits that appear in your account.
  </Step>

  <Step title="Move Money In">
    Once the connection is active, Shor will debit the connected bank account when you approve a payroll or send a payment. You can also pre-fund your virtual account ahead of a large run.
  </Step>
</Steps>

## Your Virtual Account

Your virtual account is where funds sit between being debited from your bank and being sent to your workers. You can see the balance and movement in **Finance → Accounts**.

<AccordionGroup>
  <Accordion title="Why a Virtual Account?">
    A dedicated virtual account gives each payment a clean audit trail, keeps your operating cash separate from your payroll float, and lets Shor handle multi-currency and international payouts without touching your primary bank.
  </Accordion>

  <Accordion title="Do I Have to Pre-Fund It?">
    Not usually. For most payrolls, Shor initiates the debit from your connected bank in time for funds to clear before the pay date. For large or time-sensitive runs, you can pre-fund to avoid any timing risk. For faster pre-funding, go to **Finance → Accounts**, click **Add Money**, and select **Fund with a wire** to view your Shor virtual account's routing and account details. Wire transfers typically arrive same day or next business day.
  </Accordion>

  <Accordion title="What About Multi-Currency?">
    Workers can be paid in their local currency. Shor handles the conversion from your funding currency and shows you the FX rate before you confirm each payroll.
  </Accordion>

  <Accordion title="Can I Keep Extra Cash on Hand?">
    Yes. In **Settings → Payments**, you can set a standing reimbursement float: an extra balance automatic funding keeps in your virtual account on top of what's needed for upcoming payments, so instant reimbursements stay funded even during a payroll run. It's off by default and only applies while automatic funding is on. This isn't locked-up money; it's part of your normal virtual account balance.
  </Accordion>
</AccordionGroup>

## Payment Timing

Payment timing depends on the destination country and payout method. Shor shows you the estimated arrival date for every payment before you approve it.

<Note>
  If a bank debit fails (for example, because of insufficient funds) Shor pauses the affected payroll and emails you. The run resumes once funding is in place.
</Note>

## Connections Tab

The **Finance → Connections** tab shows every bank account you've linked, its status, and which one is being used as your primary funding source. You can connect additional accounts at any time.

## Next Steps

<CardGroup cols={2}>
  <Card title="Run Payroll" icon="money-check-dollar" href="/employer/payroll">
    With funding connected, you're ready to pay people.
  </Card>

  <Card title="Finance Dashboard" icon="chart-line" href="/employer/finance">
    See account balances and every payment that's moved.
  </Card>
</CardGroup>