Skip the bank account. Issue the card.
For employees who don't bank, don't want to bank, or simply prefer a dedicated payroll card — SOLnova issues the card, runs KYC, manages its lifecycle, and loads every batch with full audit control.
| Employee | ID/Passport | Payroll ID | Phone | KYC | Card | Created |
|---|---|---|---|---|---|---|
| AVAnya Volkova pr-00218 |
8607234500087 | PR-00218 | +27 82 412 8801 | Verified | Active | 2026-04-12 |
| MCMarius Coetzee pr-00219 |
9001185503094 | PR-00219 | +27 71 933 2410 | Verified | Active | 2026-04-12 |
| TMThandi Mbeki pr-00221 |
8504121200052 | PR-00221 | +27 60 220 7144 | Pending | Allocated | 2026-04-15 |
| JPJohan Pretorius pr-00224 |
7711304500088 | PR-00224 | +27 83 117 9920 | Verified | Active | 2026-04-15 |
| KDKabelo Dlamini pr-00229 |
9404068800031 | PR-00229 | +27 76 884 0019 | Verified | Active | 2026-04-18 |
Why card issuance breaks down
Workers without bank accounts can't be paid via EFT
Your payroll system runs cleanly, but a slice of your workforce can't receive it.
Bulk-ordering cards from a bank is slow and disconnected
Cards arrive weeks later, the list lives in a spreadsheet, and the link to payroll is manual.
Card lifecycle is invisible across systems
KYC, allocation, activation, blocks — each step lives in a different tool. No one source of truth.
No audit trail on issuance, loads, or blocks
When a regulator or auditor asks "who allocated this card and when," the answer is buried in chat logs.
One screen, the whole card lifecycle
One-click issuance
Add the employee, capture KYC, allocate the card. Same screen. No bank visit. Same-day where digital KYC is supported.
Live lifecycle status
Pending → Allocated → Active → Verified — every state visible per card, with timestamps and who actioned what.
Loaded with the batch
Card top-ups flow through the same review-and-approve workflow as bank EFTs. One audit log across both.
From hire to first payout
Card issuance is just another step in the same controlled workflow your bank payouts already use.
- 1IngestPull from source
- 2BuildMaker edits inline
- 3Track changesEvery delta surfaced
- 4Risk scoreAnomalies flagged
- 5ApproveChecker reviews
- 6ReleaseTo bank / rail
Key features
- Digital KYC capture (ID / passport / phone) with provider partner.
- Card lifecycle states with full audit timestamps.
- Per-employee load history (last 12 cycles).
- Block / unblock / reissue from the same screen.
- Load batches run through SOLnova approval policy.
- One unified audit log across cards and bank EFTs.
Works with what you use
Card issuance via partner card-issuer rail. KYC via partner KYC provider. Loads via the same SA bank rails as EFT payouts.
See all integrationsCommon questions
Do we need to be a financial institution to issue cards?
No. SOLnova partners with a regulated card issuer. You manage the employees; the partner handles the regulated side.
What about workers who already have bank accounts?
Same product. You decide per employee whether they're paid into their bank account or onto a SOLnova-issued card. Many companies use cards for full control, even for banked workers.
If a card is lost or stolen?
Block from SOLnova in one click; partner reissues. The audit log captures the block, the reason, and who actioned it.
Are funds on the card actually loaded, or just allocated?
Funds are loaded when the approved batch executes. Before approval, the card sits in Allocated state.