Your employer may be able to arrange with a bank or other financial institution to pay you with a payroll card. Your pay is loaded directly to your payroll card rather than deposited to a bank account or provided to you in the form of a paper check. Sometimes your employer will give you a choice between direct deposit to a bank account or to a payroll card. Some employers will give you a choice between direct deposit to a bank account, direct deposit to a payroll card, and a paper paycheck.