Payroll Deductions

Structured, predictable, and easy to manage

Payroll deductions are the only point where your business is involved. Everything is defined upfront — no ad hoc requests, no manual handling, no surprises.

The process is designed to fit into your existing payroll structure without adding complexity.

Fixed deduction amounts Defined before payroll runs
No manual adjustments No ad hoc requests
Aligned to payroll cycle Monthly or weekly structures

How deductions are handled

01

Loan is approved

Small Pay approves and funds the employee directly.

02

Deduction is defined

The repayment amount and schedule are set upfront.

03

Payroll is updated

The deduction is added as a fixed payroll item.

04

Deduction runs automatically

The amount is deducted each cycle without intervention.

What this means for your payroll team

No ad hoc requests

All deductions are predefined — no last-minute changes.

No manual tracking

No need to track informal advances or repayments.

No approval process

Payroll is not involved in decision-making.

Consistent structure

Every employee follows the same system.

Common situations handled

Employee leaves the business

Small Pay manages the loan — not the employer.

Missed payroll cycle

The structure adjusts — no manual intervention required.

Multiple employees using the system

Each deduction is structured individually and remains predictable.

Everything is defined upfront

The key difference is that nothing happens informally.

Every deduction is agreed, structured, and aligned to your payroll cycle before it ever reaches your system.

If you want to see how this fits into your payroll

We can walk you through the deduction structure and how it would work with your existing payroll setup.

Request a walkthrough