PayGuard
Salary-Based Deduction Management Platform
The only platform that automates stop order management, government payroll integration, and MFI reconciliation for Zimbabwe's 400,000+ civil servants.
14-day free trial • No setup fees • Cancel anytime
The $500M Problem
Zimbabwe's civil servant salary deduction system is broken
Civil servants with stop orders
Active MFIs needing deductions
Default rate without automation
Default rate WITH PayGuard
❌ Current Manual Process
- MFIs submit paper stop order forms to ministry HR
- Ministry manually enters into SAP — takes weeks
- AGO processes payroll — MFI has no visibility
- Money arrives (or doesn't) — no reconciliation
- Disputes take 3-6 months to resolve
- Fraud and duplicate stop orders go undetected
- 60% salary cap violations — no enforcement
✅ PayGuard Automated Process
- Digital registry — every stop order tracked with audit trail
- Electronic submission — CSV/API to government payroll
- Real-time visibility — know deduction status immediately
- Auto reconciliation — upload bank statement, see gaps instantly
- Dispute automation — generate follow-up reports in seconds
- Fraud prevention — duplicate detection, capacity checks
- 60% cap enforced — system rejects over-limit deductions
How PayGuard Works
MFI Registers Employee
Creates Deduction Order
Schedule Sent to Gov
Payroll Processed
Auto Reconciliation
Mifos Loan Updated
Mifos X Integration
PayGuard connects directly to your Mifos X / Fineract core banking system
Seamless Integration
- Loan Verification — confirm loan exists before setting up deduction
- Auto Repayments — after payroll, repayments posted to Mifos automatically
- Balance Sync — real-time loan balance updates
- Multi-Instance — each MFI can have their own Mifos instance
- Batch Processing — push entire payroll batch in one operation
- Transaction IDs — full audit trail between PayGuard and Mifos
API EXAMPLE
POST /mifos/post-repayment
{
"loan_id": 42,
"amount": 150.00,
"mfi_id": "abc-123"
}
Response:
{
"success": true,
"transaction_id": 8847,
"loan_id": 42,
"amount": 150.00
}
Government Payroll Integration
Electronic deduction schedules for the Accountant General's Office
CSV Upload
Government uploads monthly payroll file. PayGuard applies all deductions and returns net pay schedule.
JSON API
Direct API integration for automated monthly processing. Submit employees array, get back deduction breakdown.
Reports
Download net pay CSV (for government) + MFI settlement report (amounts owed to each MFI).
Payment Reconciliation
The #1 reason MFIs choose PayGuard — no more guessing if you got paid
How It Works
- MFI downloads bank statement or AGO remittance advice
- Formats as CSV:
employee_number, amount_received - Uploads to PayGuard — system compares vs expected
- Instant results: matched / short-paid / not received
- Download dispute report for AGO follow-up
Reconciliation Statuses
Full Feature List
Employee Management
Bulk CSV import, ministry/department filtering, salary tracking, employment status, national ID verificationDeduction Engine
Priority-based sequencing (court orders → government → normal), 60% cap enforcement, multi-loan per employeePayroll Processing
Monthly batch runs, net pay calculation, ministry-level filtering, transaction audit trailMifos X Integration
Auto-post repayments, loan verification, multi-instance, batch sync, transaction ID trackingGov Payroll API
CSV upload + JSON API, electronic schedule submission, net pay + MFI settlement downloadsReconciliation
Upload bank statement, auto-match, dispute report generation, AGO follow-up trackingProfessional Invoicing
Auto-generated PDF invoices, VAT calculation, Paynow payment gateway, EcoCash/bank supportSecurity
2FA/OTP authentication, audit logging, role-based access, multi-tenancy (MFIs see only their data)Reports
Monthly deductions, MFI settlements, ministry breakdown, compliance reports, export to CSV/PDFPricing
14-day free trial. No setup fees. Includes support.
Starter
Up to 500 employees
- Basic reporting
- Email support (24h)
- 1 MFI integration
- CSV bulk upload
- Reconciliation
Growth
Up to 2,000 employees
- Full reconciliation + disputes
- Priority support (4h)
- 5 MFI integrations
- Government payroll API
- Mifos X auto-sync
- PDF invoices
Enterprise
Unlimited employees
- Dedicated account manager
- Unlimited MFI integrations
- Full API access
- White-label option
- Custom reporting
- SLA guarantee (2h critical)
Ready to automate your stop orders?
Join MFIs across Zimbabwe who trust PayGuard. Reduce defaults from 25% to under 8%. Get paid on time, every time.
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