Controlled payouts for finance teams

Pay anyone, any way. With control.

Bank transfers, wallets, prepaid cards — including cards your team issues directly to employees who don't bank. Every payout flows through review, change tracking, and audited approval. Live in days, no integration required.

Schedule a Demo → See the platform
No integration · live in days
Your workflow today

Excel files. WhatsApp approvals. Errors caught after the money's gone.

That's how most finance teams pay payroll, suppliers, contractors, and gig workers today. SOLnova replaces all of it with one controlled workflow — for every payout.

Today

Excel + WhatsApp + a prayer

Files edited in Excel
Maker tweaks line by line. No record of what changed.
Approvals over WhatsApp
"Looks ok 👍" — and that's your audit trail.
Separate uploads per rail
Bank portal for EFT. Partner site for eWallet. Cash for unbanked.
Errors caught after payment
Wrong account, wrong rail. Reconciliation tells you days later.
VS
With SOLnova

One workflow, every payout

Skip the spreadsheet
Payroll exports, accounting bills, and invoices flow straight into SOLnova. You build the batch here — every change tracked.
Approvals in-platform
Maker-checker workflow. Audit log records who and when.
One batch, every rail
EFT, RTC, eWallet, and cards issued to the unbanked — together.
Changes flagged before payment
New payees, bank-detail edits, amount deltas — surfaced first.
Trusted infrastructure

What sits behind every SOLnova payout

TPPP License Sponsor

Banking sponsorship by Nedbank

SOLnova operates as a Third Party Payment Provider under Nedbank's sponsorship.

PayShap eWallet EFT
Software integrations

Works with your stack

Native integrations with Xero (accounting) and SimplePay (payroll). File-based ingest for everything else — Sage, PaySpace, QuickBooks, NetSuite. No engineering required, live in days. Full integration on request.

Xero SimplePay + more on request
Design partners

Built alongside finance teams

SOLnova is shaped daily by real South African finance teams running payroll, supplier, and contractor payouts at scale. Their workflows become product.

The CallCentre CFO360 + partner pipeline
The problem

Every payout cycle, the same broken process

Export. Adjust. Upload. Approve. Fix. Each step adds risk. The bank doesn't catch it. Your source system doesn't catch it.

Export
→
Adjust in Excel
→
Upload to bank
→
Approve over WhatsApp
→
Fix after payment

Changed bank details

Updated account numbers slip through unnoticed — and the bank pays the new one without flagging it.

Last-minute additions

New beneficiaries added after review never get scrutinized.

No change visibility

Nothing flags what's different from last cycle. The 1% that moved is invisible in the 99% that didn't.

Manual errors

Copy-paste mistakes, formula drift, wrong currency — only discovered after the money has left.

The real cost

The hidden cost
of last-mile failure.

Error rate
25%
of payrolls contain at least one payment error before the file leaves Excel.
Time lost
8.4hrs
lost per cycle chasing approvals and fixing mistakes after the fact.
Reputation
High Risk
Late or wrong pay erodes employee trust fast — and it doesn't come back.

Measured in trust, not just time.

The problem isn't the payment. It's the gap before execution.
Solution

SOLnova — control before money leaves

Three capabilities, applied to every batch, regardless of payout type.

Collaborative building

Multiple people build the batch. The checker reviews everything with full context — who added what, when, why.

Track every change

Every delta from last cycle is flagged. New beneficiaries, changed bank details, amount deltas. Nothing slips through.

Approve with visibility

Full audit log of who did what. No blind rubber-stamps. Defensible to auditors.

Approval rules

Pre-authorize recurring beneficiaries, set amount thresholds, or whitelist trusted vendors. Anomalies still surface; everything else flows through without re-approval. The rule itself is audited.

How it works

How a SOLnova batch moves

From source data to the bank, with control at every step.

1IngestPull from source2BuildMaker edits inline3Track changesEvery delta surfaced4Risk scoreAnomalies flagged5ApproveChecker reviews6ReleaseTo bank / rail
  1. 1IngestPull from source
  2. 2BuildMaker edits inline
  3. 3Track changesEvery delta surfaced
  4. 4Risk scoreAnomalies flagged
  5. 5ApproveChecker reviews
  6. 6ReleaseTo bank / rail
Invoice Inbox

Every payment line, with its invoice attached.

Invoices land in SOLnova from your accounting software, email, or WhatsApp. Build a batch from them in one click — and the checker reviews each payment line with the source invoice right there. No more correlating across systems.

XXero Email WhatsApp + more sources on request
Compare

Compare every batch with the one before it.

SOLnova surfaces every difference between batches — new beneficiaries, changed bank details, amount deltas, outliers — before approval. So nothing slips through.

New beneficiaries

Anyone added since last cycle is immediately flagged for review.

Changed bank details

Updated account numbers surface automatically — even if the source file shows them as routine updates.

Amount deltas

See exactly what increased, decreased, or was removed. Outliers ranked by magnitude.

Use cases

Built for every payout your business has to send

Each use case is its own page with the workflow, integrations, and customer story specific to it.

Payroll

Review, change tracking, audited approval — without replacing your payroll system.

Explore payroll

Supplier payouts

Every delta flagged. Dual approval before the file leaves.

Explore supplier payouts

Contractor payouts

Per-line review and approval for non-payroll payees.

Explore contractor payouts

Gig payouts

Built for high-cardinality, high-churn lists with mass review tooling.

Explore gig payouts

Incentive payouts

Same control workflow as payroll, for any off-cycle batch.

Explore incentive payouts ★ Hero use case

Unbanked workers

Routes to wallets, prepaid cards, and alternative rails — with full controls.

Explore unbanked workers New

Employee cards

Issue cards, run KYC, manage lifecycle, and load each batch — all from one screen.

Explore employee cards
Before / after

Before SOLnova vs after

Before — Excel chaos

  • Files emailed back and forth
  • No record of who changed what
  • One person does everything alone
  • No risk check before sending
  • Approvals over WhatsApp
  • Errors found after payment

After — controlled process

  • Structured, reviewable batches
  • Full audit log — who did what and when
  • Multiple people build; checker reviews all
  • Risk analysis before approval
  • In-platform approvals with context
  • Errors caught before payment
Who it's for

Who runs payouts through SOLnova

Payroll providers

Processing batches for dozens of clients every month. SOLnova adds the review and audit layer without changing the underlying payroll engine.

Staffing companies

High turnover, frequent new beneficiaries, unbanked seasonal workers — SOLnova handles the volume and the edge cases.

Finance & ops teams

Tired of Excel and manual bank uploads. SOLnova replaces the spreadsheet with a controlled, auditable workflow.

AP teams paying suppliers

Vendor master lives in the accounting package; SOLnova pulls it in, flags changes, and routes approvals.

Marketplaces & gig platforms

Hundreds of payees changing weekly. SOLnova's mass-review tooling is built for high-cardinality batches.

No integration needed No IT dependency Live in days
Trust

Built for finance teams that touch money

Encryption

End-to-end encryption in transit and at rest. Bank-grade key handling.

Audit log

Every batch, every change, every approval — fully reconstructible for auditors.

Compliance

POPIA-aligned.

Full security posture →

Run your next payout batch through SOLnova

No integrationNo IT dependencyLive in days
Schedule a Demo Or email [email protected]

[email protected] · solnova.co.za