Check-off schedules
Generate each employer's monthly schedule from members' loans and contributions, as CSV or PDF.
For workplace credit unions
Check-off that reconciles itself.
For staff credit unions at schools, hospitals, public services and companies. Send each employer one schedule, receive one remittance, and let Bridge apply every deduction to the right loan, deposit and share account.
Sound familiar?
The payroll file never matches our schedule.
When a member moves to another employer, their deductions just stop.
Remittances arrive late and we can't tell who's short.
How Bridge helps
Payroll deductions, handled end to end.
Remittance allocation
Upload the remittance; each deduction is allocated and shortfalls are flagged per member.
Lending on payroll
Loan instalments sized to the deduction, with guarantors from the same workplace.
Notices
Members told by SMS when a deduction is missed, and guarantors kept informed.
A day in the life
Month-end at a teachers' credit union.
Example: illustrative figures
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25th: Schedules out.
The treasurer generates schedules for three employers and sends them to payroll.
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2nd: Remittance in.
The district education office pays one lump sum. The treasurer uploads its file; 412 deductions match, 6 are short.
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3rd: Follow-up.
The six members and their guarantors receive a notice; arrears show on the loan pipeline.
Employers
Employers don't need an account.
Employers receive a schedule and remit as they already do. If an employer's payroll system can call an API, it can remit with its own credential. It never becomes a member.
API for employers who want to automate Coming
- Schedules per employer, per month
- Members who change employers keep their history
Questions officers ask
Can members also pay outside payroll?
Yes: by transfer, mobile money where available, or at the counter.
What happens to a short remittance?
Allocated in your society's priority order; the shortfall is recorded per member and appears in arrears.
Can several employers remit to one society?
Yes. Each has its own schedule.
Do we still need a primary society set-up?
Yes. A workplace credit union is a primary society with check-off switched on.
Set up your society on Bridge.
Register free, practise on sample data, and go live when you're ready. No sales call needed.
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