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Debt Mediation · South Africa

Payments in.
Creditors paid out.
Everything tracked.

PayFlo is the complete debt mediation platform — load client payments, distribute to creditors, approve in bulk, and maintain a full audit trail.

Access dashboard → See features
dc.pay-flo.co.za/dashboard
● Manager
Dashboard
Clients
Creditors2
Payments3
Bulk Payment1
Statements
Audit Log

Good afternoon, Sarah 👋

Here's what needs your attention today — Tuesday, 21 April 2026

142
Active Clients
↑ 4 this month
3
Pending Approvals
→ needs review
R 184,730
Distributed (APR)
↑ 12% vs Mar
R 10,650
APR Invoice
→ Due end of month
Payment Approval Queue
#101Thabo NdlovuR 4 500,00Dist. Pending
#102Nomsa KhumaloR 2 200,00Mgr Approved
Requires Attention
Creditor rejection — Sipho Mahlangu
Payment #100 · R3 600,00 · Reallocate or refund required
Act →
Client at risk of termination
Johan van der Berg · PF-0003 · 1 missed payment
View →
100%
Distribution accuracy
R0 short
Balances to the cent, every time
5
Step payment lifecycle
100%
Audit-logged & confidential
Platform features

Everything a debt mediator needs in one place

PayFlo covers the full mediation workflow — from loading a client payment to bulk-paying creditors — with role-based access for admins and managers.

Payment loading
Record incoming bank transfers from clients. The system validates that distributions balance to the cent before confirming.
Distribution management
Split each payment across multiple creditors with named references. Track pending, approved, and settled distributions per client.
Manager approval
Two-level approval workflow — admins load and distribute, managers review and approve before anything goes to bulk payment.
Bulk payment runs
Group approved distributions by creditor. Select creditors, preview the POP statement, and execute the batch transfer in one action.
POP statements
Auto-generated proof of payment per creditor, listing every client in the bulk run. Downloadable as PDF instantly.
Audit log & statements
Full transaction history, client statements, and an immutable audit log. Every action recorded with timestamp and user.
Payment lifecycle

5 stages, zero ambiguity

Every payment follows a structured lifecycle — so everyone knows exactly where things stand at any moment.

1

Payment received

Client's bank transfer is loaded and assigned a unique PayFlo reference number.

2

Distribution entered

Admin allocates the payment across each creditor, validated to balance exactly to the total received.

3

Manager approved

Manager reviews distributions and approves or rejects before any money moves.

4

Bulk sent

Approved distributions included in a creditor-grouped bulk payment run with auto-generated POP.

5

Completed

Payment fully settled. Statements generated. Client record updated automatically.

Thabo Ndlovu
PF-0001 · Payment #101 · 2026-04-18
R 4 500,00
Dist. Pending
PAYMENT LIFECYCLE
✓
Payment
Received
2
Distribution
Entered
3
Manager
Approved
4
Bulk
Sent
5
Completed
DISTRIBUTIONSR 4 500,00 of R 4 500,00
ABSA Home LoansABL-2800-04PendingR 2 800,00
Capitec Credit CardCAP-1100-04PendingR 1 100,00
Edgars AccountEDG-600-04PendingR 600,00
Bulk Payment Run
Group by creditor — select which creditors to pay in this run
Distributions are grouped by creditor. Each creditor receives a single transfer covering all client distributions. PayFlo generates a POP statement per creditor listing every client included.
FNB Personal LoanPF-0004R 1 400,00
#102PF-0004Nomsa KhumaloR 1 400,00
Woolworths CreditPF-0004R 800,00
#102PF-0004Nomsa KhumaloR 800,00
2 creditors · 2 distributions · R 2 200,00 total
Bulk payments

Pay all creditors in a single run

PayFlo groups approved distributions by creditor so you can pay multiple clients' allocations to the same creditor in one transfer — with proof of payment generated automatically.

Grouped by creditor
All client distributions to the same creditor are consolidated into one transfer.
Auto-generated POP statements
Each creditor gets a proof of payment listing every client and reference included.
Preview before you run
Review the full POP statement before committing the bulk payment run.
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Confidential. Do not distribute. · dc.pay-flo.co.za