Frequenty Asked Questions

What is a pay stub?

A pay stub—also known as a paycheck stub, pay slip, or earnings statement—is a document that shows the breakdown of an employee’s wages. It includes details like gross pay, taxes withheld, deductions, and net pay. Pay stubs are typically provided alongside a paycheck or direct deposit and serve as proof of income. With our pay stub generator, you can create professional, accurate stubs in just a few minutes. Create your stubs now!

Who needs a pay sub?

A pay stub is essential for anyone who needs to verify income or employment. This includes employees who want to keep track of their earnings, taxes, and deductions, as well as self-employed individuals and freelancers who need proof of income for rental applications, loans, or mortgage approvals. Small business owners often generate pay stubs for their staff to provide accurate payment records. Landlords, banks, and other institutions may also request pay stubs to verify a person’s financial status. At PayStubs Center, our easy-to-use pay stub generator helps individuals and businesses create professional, reliable pay stubs in minutes.

What information do I need to create a pay stub?

To create a pay stub using our pay stub generator, you'll need to provide some basic information. PayStubs Center asks for details like the employer’s name and address, employee information, pay rate, hours worked, and the pay period. You can also add optional details—such as tax withholdings, benefits, and deductions—which help improve the accuracy of your paycheck stub. Once everything is entered, our tool instantly generates a professional, printable pay stub. It’s fast, easy, and ideal for creating reliable income records in minutes. Generate your pay stub now!

What’s the difference between a pay stub and a pay check?

A pay check is the actual payment you receive for your work—either through direct deposit or as a physical check. A pay stub, on the other hand, is a document that outlines the details behind that payment. It includes important information such as gross earnings, taxes withheld, deductions, and net pay.

With our paystub generator, you can easily create a professional pay stub that mirrors what an employer would provide. This is especially helpful for independent contractors, freelancers, small business owners, or even employees who need a proof of income for things like car loans, apartment rentals, or other financial verifications. Best of all, generating a pay stub with PayStubs Center is easy and takes only a few minutes.

What Information should be on your pay stub?

A complete pay stub should include the employee’s name, employer information, pay period, pay date, hours worked (if applicable), gross pay, net pay, and year-to-date (YTD) totals for both earnings and net income. While deductions such as taxes and benefits are optional, including them adds to the accuracy and professionalism of your paycheck stub. Our pay stub generator makes it easy to include all the essential details and customize optional fields as needed. Read more on what information should be on your pay stub.

Are the pay stubs legal and accepted by banks?

Yes, pay stubs created with our pay stub generator are designed to include all essential details, such as employer info, tax withholdings, and net pay—making them valid for most uses like bank verifications, loan applications, or rentals. While final acceptance depends on the institution, our stubs meet common formatting and information standards. 

How to recognize fake pay stubs?

Recognizing a fake pay stub is important, especially when reviewing income for jobs, rentals, or loans. Watch for signs like perfectly rounded numbers, missing employer info, no tax deductions, or lack of year-to-date (YTD) totals. Poor formatting and typos can also be red flags. To avoid issues, use a trusted source. Our pay stub generator creates accurate, professional stubs with all the details you need for income verification—fast, easy, and reliable. Want to learn more? Read our full guide on spotting fake pay stubs on our blog.

Can I edit my pay stub after generating it?

Before finalizing your pay stub, our pay stub generator provides a full preview, allowing you to review and edit all details as many times as needed. This ensures your paycheck stub is accurate before purchase. Once the pay stub is generated, further changes can’t be made through the tool—but you can contact our customer support center for help with any modifications. For more details, please refer to our Terms and Conditions.

Is the information I enter secure and private?

At PayStubs Center, your data privacy and security are our top priority. All information entered into our online pay stub generator is protected with secure SSL encryption, ensuring your personal and payroll data is transmitted safely. We do not share, or sell any user information. Whether you're generating pay stubs for employees or creating proof of income, your confidential details remain private. For more information, please review our full Privacy Policy to understand how PayStubs Center keeps your data safe and secure.

Can I use these pay stubs for loan or rental applications?

Yes, the pay stubs you generate through PayStubs Center can be used as proof of income for loan applications, rental agreements, mortgage approvals, and other financial or housing-related purposes. Our stubs include all the essential details typically requested by landlords, lenders, and property managers—such as gross pay, net pay, pay period, employer information, and year-to-date totals. It's important to ensure that all information entered is accurate and truthful as banks or landlords may verify it.