Is ATAX or PAYROLL VAULT cheaper to open?

ATAX costs $59,150–$89,000 and PAYROLL VAULT costs $77,375–$111,885 to open (FDD Item 7). ATAX has the lower entry cost.

Which earns more, ATAX or PAYROLL VAULT?

ATAX reports $110,515 average annual unit revenue vs $281,574 for PAYROLL VAULT (FDD Item 19). PAYROLL VAULT is higher.

Which is the better franchise, ATAX or PAYROLL VAULT?

FranchiseVerdict grades ATAX B and PAYROLL VAULT B, from FDD Items 5–7, 19–21 and SBA loan performance. See the full side-by-side above.

ATAX vs PAYROLL VAULT

Franchise Comparison 2026

Both ATAX and PAYROLL VAULT are financial services franchises. ATAX requires an investment of $59K – $89K while PAYROLL VAULT requires $77K – $112K. In terms of revenue, PAYROLL VAULT reports higher average unit revenue at $282K. PAYROLL VAULT has SBA lending data on file with a 7.7% charge-off rate. FranchiseVerdict rates ATAX B (Above average) and PAYROLL VAULT B (Above average).

Metric	ATAX	PAYROLL VAULT
Verdict Grade	BAbove averageAbove average	BAbove averageAbove average
Investment Range	$59K – $89K	$77K – $112K
Franchise Fee	$35K	$69K
Royalty Rate	Royalty Fee is 14% of Gross Revenues, payable weekly (subject to a minimum annual royalty).	6.0%
Average Revenue (Item 19)	$111K	$282K
SBA Charge-Off Rate	Limited data	7.7% (13 loans)
Total Units	117	55
Unit Growth (YoY)	N/A	N/A
Year Began Franchising	2019	2012
FDD Year	2025	2025