FAQ’s

PayShield (Pty) Ltd is a South African company specialising in third-party deduction governance and compliance. We manage and verify deductions processed through employer payrolls to ensure they are legitimate, authorised, and compliant with South African labour and financial laws.

PayShield provides oversight, consolidation, and transparent reporting for all deductions — protecting employees, simplifying administration for employers, and ensuring third-party providers meet strict compliance standards.

No — PayShield is not a payroll company. We do not replace your existing payroll systems. Instead, we enhance and safeguard them. Our platform acts as an additional compliance layer that ensures all deductions processed through payroll are accurate, lawful, and properly authorised.

In South Africa, many deductions are processed for external services — such as loans, medical aid, or funeral policies. Without regulation, this system can be vulnerable to abuse, duplication, or unauthorised charges.

PayShield was established to bring structure, accountability, and legal oversight to this space.

Every transaction through PayShield is fully traceable. We implement a clear audit trail from employee authorisation to third-party payment, ensuring that all deductions are visible, approved, and verifiable by all stakeholders.

• Employees: Protected from excessive or unauthorised deductions.
• Employers: Reduced administrative workload and improved compliance.
• Third Parties: On-time, accurate, and verified payments.
• Unions: Stronger member protection through transparent processes.

PayShield operates within South Africa’s core regulatory frameworks, including:
• The Basic Conditions of Employment Act (BCEA)
• The Payment Association of South Africa (PASA)
• The Protection of Personal Information Act (POPIA)
These frameworks ensure that all deductions are authorised, secure, and legally compliant.

Unlike generic payroll software, PayShield focuses on governance, not just processing. We verify third parties, enforce regional approvals, prioritise payments ethically, and provide compliance-grade reporting — ensuring every deduction is fair, transparent, and auditable.

PayShield consolidates and manages all third-party deduction data on your behalf. We verify authorisations, rank payments by priority, and generate a single, accurate bulk list — reducing payroll complexity and administrative costs.

Our process works alongside your existing payroll infrastructure. PayShield receives deduction data, validates it, and returns a compliant, verified file ready for payroll processing — no software overhaul or internal IT changes required.

Yes. We provide full documentation and traceable reporting that simplifies audit readiness and ensures adherence to BCEA, FSCA, and NCR requirements.

Any deduction found to be unauthorised or non-compliant is flagged immediately. PayShield works with the employer to halt processing, notify the employee, and resolve the issue in line with compliance standards.

PayShield typically reconciles and verifies deductions on a monthly basis, in line with employer payroll cycles. However, the system can accommodate weekly or bi-weekly schedules depending on the client’s operational needs.

All data is encrypted, stored in secure servers, and processed in full compliance with the Protection of Personal Information Act (POPIA). Only authorised personnel and approved stakeholders can access payroll information.

Fees depend on the scope of the employer’s payroll and the number of third-party entities involved. Our goal is to reduce administrative costs and compliance risks — delivering measurable financial value through operational efficiency.

PayShield ensures that only verified, authorised deductions are processed against your salary. We block unauthorised providers, prevent over-deduction, and ensure that essential earnings and benefits are prioritised.

Yes. PayShield provides transparent reporting through employers and unions, ensuring that every employee can review their authorised deductions and associated third-party accounts.

You can raise it through your HR or payroll department. PayShield works directly with employers to trace and correct errors, ensuring that unauthorised deductions are immediately resolved.

Yes — all employee data is protected under the Protection of Personal Information Act (POPIA). We maintain strict data handling standards to ensure privacy and security at all times.

Priority ranking ensures that essential payments — such as medical aid, insurance, and funeral cover — are processed before secondary obligations like loans or device financing. This safeguards your take-home pay and ensures critical benefits remain active.

PayShield works across multiple employers and payroll systems. When you move to a new employer using PayShield, your verified deductions can be seamlessly transferred — ensuring continuity and compliance.

If a deduction is voluntary and not legally mandated, you may request cancellation directly through your third-party provider or give PayShield written confirmation of cancellation. All changes are subject to contract terms and approval processes with the relevant third-party provider.

PayShield partners with financial institutions, unions, and municipal service providers to ensure all deduction requests are authorised, validated, and compliant with South African law.

Third-party providers must first obtain approval from recognised regional bodies — such as unions, employers, or municipal councils. Once approved, the provider’s details are submitted to PayShield for verification and inclusion in the deduction system.

Regional oversight protects employees from exploitation by unverified or predatory third-party entities. It ensures that every deduction benefits the employee and that only credible providers are granted access to payroll systems.

PayShield conducts routine compliance and authorisation checks. Providers are reviewed regularly to ensure ongoing legitimacy and adherence to regulatory frameworks.

Once deductions are verified and processed, PayShield ensures that all third-party payments are made promptly and accurately, in accordance with the employer’s payroll schedule.

Only essential, non-sensitive information necessary for payment processing and reconciliation. We comply with POPIA regulations and never share employee data without proper consent and authorisation.

No. Access to payroll information is strictly limited to authorised parties and governed by data protection legislation. PayShield serves as the regulated intermediary to ensure all data transfers are compliant and secure.

PayShield uses encryption, secure servers, and access control to ensure the confidentiality and integrity of all payroll data. We operate under strict data protection policies and POPIA compliance standards.

We generate transparent audit trails and reconciliation reports that show every deduction processed, verified, and paid. These reports are accessible to employers and approved auditors for full accountability.

No — PayShield does not hold client or employee funds. We manage the authorisation, prioritisation, and verification of deductions, ensuring that funds flow directly from employers to approved third-party recipients.

Our system automatically rejects unauthorised or unverified entries. All providers must undergo regional approval and compliance checks before being accepted into the deduction framework.

Yes — fully. All data is collected, processed, and stored in line with South Africa’s Protection of Personal Information Act, ensuring the privacy and security of all stakeholders.

Our transparent reporting and traceable documentation allow for quick identification and resolution of any deduction-related issue. We act as a neutral governance partner between employers, employees, and service providers.

Yes. Our system is adaptable and currently supports a wide range of industries — including government departments, municipalities, private companies, unions, and financial institutions.