Now onboarding pilot employers — Zimbabwe

Your salary,
before payday.

Bridging the Gap Until Payday

PayBridge provides eligible employees with responsible short-term salary advances recovered through participating employer payrolls. Simple eligibility verification. Transparent pricing. No bank queues.

I'm an employer I'm an employee
30%
of net salary — maximum advance
10%
transparent finance charge
$5 min
minimum finance charge

I am an employer

Offer salary advances as an employee benefit with minimal payroll administration and no employer funding requirement.

Learn about employer partnership

I am an employee

Access up to 30% of your eligible net salary before payday via WhatsApp — clear pricing, simple eligibility, automatic repayment.

See how it works for you
✓ Simple eligibility verification
✓ No employer funding required
✓ Transparent pricing — shown before acceptance
✓ WhatsApp — any phone, no download
✓ Automatic payroll repayment
30%
maximum advance of eligible net salary
10%
transparent finance charge per advance
$0
setup charge during the pilot period
1
active advance permitted per employee at any time
Professional employee using WhatsApp on a smartphone — showing the PayBridge request, verification and funds journey
Verification and approvalWithin hours of request
How it works

From request to funds — three steps

Entirely through WhatsApp. No app download, no branch visit, no paper forms.

Employee requests via WhatsApp

Message the PayBridge number, verify your identity with your Employee ID, and select the amount you need — up to 30% of your eligible net salary. Simple eligibility and affordability verification uses participating employer payroll information.

PayBridge verifies and approves

We confirm employment and salary data with your employer's payroll records and complete an affordability review. The exact advance amount, finance charge, transfer charge and total payroll deduction are shown before you confirm. No surprises.

Automatic payroll repayment

On payday, the advance plus the finance charge is deducted from salary through the employer's payroll system using an agreed PayBridge deduction reference. The employer remits collected funds to PayBridge. Repayment is subject to the employee's prior written authority.

For employers

Support your team's financial wellness

PayBridge manages eligibility, advances, compliance and employee support. Employer involvement is limited to payroll file processing and remittance of collected deductions.

Zimbabwean corporate HR and finance team reviewing PayBridge employer information on a laptop in a modern office environment

No employer credit exposure

PayBridge funds every advance. The employer does not lend, guarantee or underwrite employee advances.

Minimal payroll administration

One-time deduction reference setup. PayBridge provides a ready-to-import payroll file before each pay run.

Clear reconciliation support

PayBridge delivers a reconciliation report alongside every deduction file, making payroll processing straightforward.

Employee self-service

Employees manage their own requests entirely through WhatsApp. No requirement for employer HR involvement in individual advance decisions.

Potential wellness benefits

Reduced salary-advance administration burden for HR. Employee financial wellness support may contribute to engagement and attendance.

Dedicated onboarding support

PayBridge provides full onboarding assistance, payroll file guidance and ongoing operational support throughout the pilot period.

Employer Dashboard — Sample View
● Pilot
Enrolled employees
47
Active advances this cycle
23
Deduction file status
✓ Delivered
Reconciliation report
✓ Available
Employer funding required
None
Setup charge (pilot)
None
Become a partner employer
Responsible access

Employee safeguards built in

PayBridge is designed around responsible access principles. Controls protect employees from over-commitment and ensure clear, informed consent at every step.

Maximum advance limit

Advances are capped at the lower of 30% of eligible net salary or the approved product limit. Limits are recalculated each cycle based on current payroll information.

One active advance only

Employees may not request a second advance while one is outstanding. No stacking, no automatic rollover, no compounding of outstanding balances.

Informed electronic consent

The exact advance amount, finance charge, optional transfer charge and total payroll deduction are presented before every transaction. The employee must confirm acceptance before any funds are disbursed.

Exact deduction date shown

Employees are shown the specific payroll date on which the deduction will occur before confirming. Deductions are subject to the employee's written payroll deduction authority.

Eligibility and affordability check

Simple eligibility and affordability verification uses participating employer payroll information. Access may be suspended when employment or payroll data cannot be confirmed.

No punitive late fees

Where a payroll or remittance delay is caused by the employer rather than the employee, no punitive late charges are applied to the employee's account.

For employees

Your earned salary, when you need it

Simple eligibility verification using your employer's payroll records. Transparent pricing shown before you confirm. Repayment handled automatically through payroll.

💬
PayBridge WhatsApp Bot
● Active
👋 Hi Tarisai! Your available advance this cycle is $87.00. How much would you like to request?
7:41 AM
$80 please
7:42 AM ✓✓
Transfer options:
1️⃣ Standard EFT — included
2️⃣ Instant transfer — +$2.00 charge
7:42 AM
2 — instant please
7:42 AM ✓✓
Please confirm your advance:
Amount: $80.00
Finance charge (10%): $8.00
Instant transfer charge: $2.00
Total payroll deduction on [payday]: $90.00
Reply YES to confirm or NO to cancel.
7:43 AM
YES
7:43 AM ✓✓
✅ Advance approved and processed.
$80.00 arriving within 90 minutes.
$90.00 will be deducted on your next payday through payroll. No further action needed.
7:44 AM

WhatsApp — no app to install

Works on any smartphone with WhatsApp. No additional download, no new account creation beyond your Employee ID verification.

Simple eligibility verification

Eligibility is verified using your participating employer's payroll information. Straightforward and quick — no complex documentation required.

Transparent pricing — always shown upfront

10% finance charge (minimum $5). Optional instant transfer adds $2. The exact total deduction is shown and confirmed before any funds are sent.

Automatic payroll repayment

Your employer deducts the agreed amount on the confirmed payday. You provided written authority at application. Nothing further to arrange.

Build a repayment record

Consistent, timely repayments through payroll build a positive history with PayBridge, which may support higher advance limits in future cycles.

Professional employee confirming a PayBridge salary advance approval on her smartphone at a pharmacy checkout
Funds disbursedWithin 90 minutes (instant)
Transparent pricing

See exactly what you will pay

10% finance charge per advance, minimum $5. No compounding. No rollover charges. No hidden fees. The total payroll deduction is always shown before you confirm.

Advance calculator

Enter an advance amount to see the exact finance charge and total payroll deduction.

Transfer method
Advance amount—
Finance charge (10%, min $5)—
Transfer charge—
Total payroll deduction—

Final eligibility, pricing and advance limits are subject to the applicable PayBridge agreement, participating employer arrangements and all required regulatory approvals. Pricing may change before commercial launch.

Pricing examples

$50 advanceFinance charge: $5.00 (min)Repay $55.00
$80 advanceFinance charge: $8.00Repay $88.00
$100 advanceFinance charge: $10.00Repay $110.00
$200 advanceFinance charge: $20.00Repay $220.00
If instant transfer is selected, add $2.00 to the total payroll deduction shown above. All amounts in USD. Examples show standard EFT.
What you will never pay
✓ No compound interest
✓ No automatic rollover charges
✓ No hidden administration fees
✓ No punitive late fees where employer delay caused the issue
✓ No charges presented after confirmation
Employer onboarding

Live in four steps

From signed agreement to first employee advance — with PayBridge support throughout every step.

Sign the MoU

Agree partnership terms with PayBridge. No setup charge during the pilot. No complex procurement.

Payroll setup

Your payroll team creates a PayBridge deduction reference. PayBridge provides full file specifications.

Employee enrolment

Share the PayBridge WhatsApp number at your next staff briefing. Employees complete their own registration.

Go live

Employees access advances. PayBridge delivers the deduction file and reconciliation report before each pay run.

What participating employers can expect

A partnership built around your payroll process

Clear payroll reconciliation

A structured deduction file and reconciliation report delivered before every payroll run. Designed to minimise payroll-team effort.

Controlled employee limits

Advance limits are set as a percentage of each employee's verified net salary. No employee can access more than the approved maximum.

No employer funding requirement

PayBridge funds every advance independently. The employer's role is limited to processing the agreed payroll deduction and remitting collected funds.

Employee self-service

All employee requests, verifications and confirmations are handled through WhatsApp. The employer does not need to process individual employee requests.

Dedicated onboarding support

PayBridge provides a dedicated contact for setup, payroll file questions and ongoing operational matters throughout the pilot arrangement.

Transparent reporting

Monthly summary reports show advance activity, deduction totals and reconciliation status. Designed for straightforward employer review.

Frequently asked questions

Common questions answered

For employers

No. PayBridge funds every advance independently. The employer does not lend money, guarantee repayment or carry credit exposure. The employer's role is to process the agreed payroll deduction and remit collected funds to PayBridge.
PayBridge is designed to integrate with participating employers' payroll systems through secure payroll files or approved technical connections. We support Belina, Sage, Excel-based payroll and other systems used by Zimbabwean employers. Contact us to discuss your specific payroll setup.
Employer agreements require notification of terminations and salary changes. Where possible, any outstanding advance balance is recovered from the employee's final pay. PayBridge handles collections directly and does not require the employer to fund shortfalls.
There is no setup charge during the pilot period. Ongoing commercial terms will be discussed and agreed before any pilot arrangement moves to full commercial operation.
Minimal. A one-time deduction reference is set up in the payroll system during onboarding. Before each payroll run, PayBridge delivers a ready-to-import deduction file and reconciliation report. The employer processes the deduction and remits collected funds to PayBridge within the agreed timeframe.

For employees

PayBridge charges a finance charge of 10% of the advance amount, with a minimum charge of $5. If you select the optional instant transfer, an additional $2 transfer charge applies. The exact total payroll deduction is always shown and confirmed before funds are sent. No further charges are added after confirmation.
The maximum advance is the lower of 30% of your eligible net salary or the approved product limit. Your available advance is calculated each cycle using your current payroll information. You cannot have more than one active advance at a time.
PayBridge provides short-term salary advances recovered through employer payroll deduction. The regulatory classification of this product is currently being confirmed with legal advisors in Zimbabwe. Regardless of classification, PayBridge is committed to transparent pricing and responsible access standards.
Payroll deduction is the primary repayment method and requires your written authority given at application. If a deduction fails due to circumstances beyond your control, PayBridge will contact you directly to arrange an appropriate resolution. No punitive late fees are applied where a payroll or remittance delay was not caused by you.
Yes. PayBridge uses your employer payroll information solely for eligibility verification and advance administration. Data is handled in accordance with the applicable data protection and privacy requirements. Your written consent is obtained before any payroll data is accessed.
Security and privacy

Built on responsible data practices

Your payroll and personal information is used only for the purposes you have consented to in writing.

Written consent required

Payroll data access and payroll deduction authority both require explicit written employee consent before any advance is processed.

Data used only as agreed

Payroll and personal information is used solely for eligibility verification, advance administration and repayment reconciliation.

Clear documentation

Every advance is supported by a signed agreement showing the amount, finance charge, total deduction and repayment date before disbursement.

Regulatory commitment

PayBridge is completing its legal and regulatory structuring in Zimbabwe. Service availability is subject to all required regulatory approvals.

Get in touch

Ready to offer this to your team?

We are onboarding pilot employers in Zimbabwe now. Contact us to discuss your payroll setup and service availability for your employees.

Email
info@paybridge.cash
Zimbabwe
+263 77 272 2898
USA
+1 501 438 9133
Website
www.paybridge.cash
PayBridge is currently completing its legal and regulatory structuring in Zimbabwe. Service availability is subject to participating-employer arrangements, employee eligibility and all required regulatory approvals.

PayBridge services are subject to eligibility, participating-employer payroll arrangements, signed customer documentation and applicable regulatory requirements. Pricing and product limits may change before commercial launch.

The fastest way to reach us is WhatsApp. Send your company name, number of staff and payroll system — we respond within 24 hours.

Include in your first message

✓ Company name
✓ Number of employees
✓ Payroll system (Belina, Sage, Excel, other)
✓ Monthly payroll date