1. A system associated with one or more servers of a payroll service provider, the one or more servers comprising: one or more processors; and one or more computer-readable media storing instructions executable by the one or more processors, wherein the instructions program the one or more processors to: receive, from one or more first computing devices operated by an employer, first payroll information for a first employee of the employer, wherein the first payroll information includes a first indication of compensation to be paid to the first employee, the one or more first computing devices each executing an instance of an employer application installed for configuring the one or more first computing devices to manage payroll on behalf of one or more employees via a payroll service offered by the payroll service provider; receive, from the one or more first computing devices, second payroll information for a second employee of the employer, wherein the second payroll information includes a second indication of compensation to be paid to the second employee; determine, based at least in part on the first payroll information, a first predicted amount of a first payroll payment to be paid to the first employee on behalf of the employer; determine, based at least in part on the second payroll information, a second predicted amount of a second payroll payment to be paid to the second employee on behalf of the employer; receive, from one or more second computing devices associated with merchants, transaction data of transactions performed between the merchants and customers, the one or more second computing devices each executing an instance of a merchant application installed for configuring the one or more second computing devices as point-of-sale (POS) terminals, the instances of the merchant application configuring the POS terminals to communicate the transaction data over a network to the system, a merchant of the merchants corresponding to the employer; determine, based at least in part on the transaction data, an indication of funds received by the employer; determine, based at least in part on the first predicted amount and the second predicted amount, a first portion of the funds to electronically transfer to a first account associated with the payroll service provider to use for payment, at least in part, of the first payroll payment and the second payroll payment, and a second portion of the funds to electronically transfer to a second account associated with the employer; access historic data associated with previous payroll payments of at least one other employer sharing at least one characteristic with the employer, the at least one other employer enrolled in the payroll service offered by the payroll service provider; determine, based at least in part on the historic data, an event corresponding to a change in amounts of payroll payments; predict an occurrence of the event at a particular future time; modify, based at least in part on predicting the occurrence of the event, the first portion of the funds by an amount to generate a modified first portion of the funds; send, to one or more third computing devices associated with a first employee bank, a first instruction to electronically transfer a first allocation of the modified first portion of the funds to a first employee bank account associated with the first employee to pay, at least in part, the first payroll payment; and send, to one or more fourth computing devices associated with a second employee bank, a second instruction to electronically transfer a second allocation of the modified first portion of the funds to a second employee bank account of the second employee to pay, at least in part, the second payroll payment.