Complex sentence: For employees that do not have access to a bank account, most major payroll service providers can arrange for the net pay of an employee to be loaded onto a payroll card, which is a plastic card similar to a debit card.
Split into simpler sentences: For employees that do not have access to a bank account, most major payroll service providers can arrange for the net pay of an employee to be loaded onto a payroll card. A payroll card is a plastic card similar to a debit card that allows an employee to access their pay by using the payroll card like a debit card.