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PayrollIQ, collections and tools that formalise your SME.
Run payroll, send invoices, collect payments and unlock financing.
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PayrollIQ
Pay salaries digitally. Generate payslips. PAYE & NSSA.
One-click weekly, bi-weekly and monthly payroll runs.
Auto-calculation of PAYE, NSSA, NEC, ZIMDEF and AIDS Levy at current rates.
Salaries land instantly in employee NetPayIQ wallets — no cash-out queues.
Cryptographically signed payslips, exportable in P6 / ITF263 format for ZIMRA.
Collections
Get paid by QR, link, invoice or bank.
Issue a payment link via WhatsApp, SMS or email in three taps.
Branded invoices with itemised lines, VAT and partial-payment support.
Static and dynamic merchant QR — works for street vendors and franchises alike.
Same-day settlement to your business wallet with downloadable reconciliation.
Marketplace
Sell to millions of NetPayIQ users.
Free storefront with catalog, stock levels and delivery options.
Promoted listings powered by IQ360 audience targeting.
Integrated Ryda and partner couriers for same-day fulfilment.
Loyalty and cashback campaigns you control from the merchant dashboard.
Business KYC
Verified profile · credit-ready.
Full business onboarding: CR14, CR6, tax clearance, beneficial owners.
Verified merchant badge that lifts conversion across the marketplace.
Sanction, PEP and adverse-media screening on directors and signatories.
Verified status unlocks higher transaction limits and LendingIQ credit lines.
AI Insights
Cashflow, top customers, forecasts.
Daily cashflow forecast with 30-day projections and burn warnings.
Top customers, fastest-growing SKUs and churn risk surfaced automatically.
Pricing experiments with A/B test reporting on conversion and margin.
Natural-language queries: 'how did Bulawayo perform last week?'
Tax & Compliance
ZIMRA filing built in.
VAT, PAYE, presumptive tax and withholding tax computed in real time.
Fiscal Device Gateway integrated — every invoice fiscalised on issue.
One-click ITF263 and tax-clearance bundle for renewals.
Audit trail retained for 7 years to meet RBZ and ZIMRA expectations.