What Netto is building
The payslip is the wedge. The workforce financial layer is the business.
Every service built for workers — earned wage access, savings, benefits, credit — has to acquire each employee one at a time. Netto arrives with the payslip: one agreement with the employer, every worker opted in, identity verified through payroll, on a channel they open every payday. Each new tool then reaches a workforce already there. Built for the worker's benefit, paid for by the employer.
Starting point
The payslip that answers back.
Netto uses AI to deliver payslips on WhatsApp — where your people actually are — and to answer every question about them. Instantly, in plain language, every figure cited to its source line.
🇬🇧 United Kingdom · 🇺🇸 United States · works with any payroll system
Live demo
Don't take our word for it — tap it yourself
Ask why the tax is so high, tap a yellow citation and watch the payslip open at the exact source line. Then price earned wage access, savings, cover and pension nudges off the same verified figures. Toggle 🇬🇧/🇺🇸, or upload a payslip of your own.
Harbourline Studio Ltd
Period 11 · 30 Nov 2025
- L1Basic pay£3,000.00
- L2On-call allowance£240.00
- L3PAYE income tax−£548.20
- L4National Insurance−£212.18
- L5Student loan (Plan 2)−£145.00
- L6Pension (auto-enrolment 5%)−£150.00
- L7Net pay£2,184.62
Sample data · statutory figures are 2025/26 demo values. Netto explains these numbers — it never recalculates them.
Netto Payslips ✓
Official business account · Harbourline Studio Ltd
Tap any yellow citation to open the payslip at its source line.
How it works
No integration. No IT project. Live in days.
Netto works with the files your payroll system already produces — sold to payroll managers, not IT departments.
Send us your pay run
The payslip PDFs and register export your payroll software already generates — uploaded, dropped to SFTP, or emailed. Any payroll system.
We check, you approve
Every payslip is parsed and reconciled against your register to the cent. You see an exception report; one click releases the run.
Employees ask, Netto answers
Payslips arrive on WhatsApp, password-protected. Questions get instant, plain-language answers — every figure cited to its payslip line.
Why employers choose Netto
Payday without the question marks
Payroll-agnostic. Messaging-native. AI-grounded. A bureau running three payroll systems can offer Netto across all of them.
Fewer payday queries
Routine payslip questions are answered instantly at 9pm on payday — not in your payroll team's inbox on Monday.
Reaches every employee
WhatsApp, not a portal. Built for retail, logistics, hospitality, care and field teams who never log in.
Works with any payroll system
Sage, IRIS, BrightPay, ADP, a bureau — if it produces a payslip, Netto delivers it.
Compliance built in
UK GDPR & US privacy standards: verified numbers, employee consent, password-protected payslips, proof of delivery, signed DPA.
Never calculates.
Your payroll system's figures stay authoritative. Netto's AI structurally cannot invent or alter a number — it only explains, and every answer cites the payslip line it came from. That architecture is why payroll managers trust it.
The AI
Serious AI, safely applied to payroll
Everyone is putting AI on everything. Payroll is where it has to be done properly — so Netto's AI is built on three rules that never bend.
Grounded
Every answer comes only from the employee's own payslip, their previous payslip, and vetted statutory rules for their country — never from the model's imagination.
Cited
Every figure in every answer carries a citation to its payslip line, checked in code before the reply is sent. Tap it and see the source. AI you can audit.
Guarded
The AI explains — it never calculates. Your payroll system's figures stay authoritative, and anything the payslip can't answer is handed warmly to a human in HR.
A raw chatbot bolted onto payroll will eventually invent a tax rate — and one wrong answer about someone's pay destroys trust forever. Netto's architecture makes that structurally impossible: state-of-the-art language models, constrained to explain verified data and prove every claim. That's how AI earns a place on a payslip.
Workforce financial services
Priced off pay we've already verified
Because Netto already holds a reconciled payslip and a consented WhatsApp channel, four services can be offered on payday with no payroll change, no application form and no credit file — eligibility is the payslip itself.
Earned wage access
Draw a share of pay already earned, mid-cycle, for a flat fee. Repaid via a post-tax deduction file the employer imports — Netto funds the advance.
Payday savings
Round-ups, a % of net or a fixed amount swept the moment salary lands, by Open Banking payment consent. No payroll split required.
Income protection
Cover tiers priced off actual net pay, so the monthly benefit matches what the household really needs. Confirmed in chat.
Benefits & pension nudges
Missed employer match, unclaimed tax relief, sacrifice options — spotted on the live payslip and cited to the line it came from.
The business case
What unreadable payslips cost you today
Portals and emailed PDFs were built for people at a desk. Your drivers, site crews, shop floor and kitchen staff never log in — so payday questions, corrections, admin, disputes and avoidable leavers all land back on payroll. The full business case, with every assumption editable, has its own page.
Simple pricing
One price. Delivery + unlimited answers.
Pay as you go with credits: 1 credit = 1 payslip delivered, AI conversation included. No setup fees, cancel anytime.
Volume tiers from £1.75 per credit at 1,000+ employees. Bureau and white-label pricing on request.
Volume tiers from $2.25 per credit at 1,000+ employees. Bureau and white-label pricing on request.
One pay run, one team — see the questions Netto answers before your inbox does. Minimum top-up £150 / $200. No contract, credits never expire. Prices exclude VAT.
Start a pilotThe founders
Payroll depth meets product & AI depth
Lawrence Diamond
Founder - CEO
Two decades in payroll, EOR and workforce tech: Head of Expansion Africa at Deel; VP Sales MEA at Atlas HXM; Sales Director at Papaya Global; co-founder of JuiceMe Technologies. Deep operator networks across the UK, Africa and the Middle East — including the payroll bureaus and employers Netto serves.
Dr Ezra Carlson
Co-Founder & CTO
Three decades in engineering, digital transformation and technology ventures — leading innovation across operations, finance, procurement and HR within S&P 500 companies in Africa, Europe, Australia and the USA. Founder of Tracking Solutions; co-founder of CozyHomes; Founder & CEO of Nano-Nose, an AI-enabled health-tech platform.
Get started
See what your payslips have been leaving unsaid
A pilot takes one pay run and zero IT involvement. The first one's free.