For employers who carry payroll deductions, and the employees who are drowning in them.
The payroll is the most reliable collection channel in South Africa. Almost nobody governs it.
Reset Direct works only on payrolls governed by the Affordability and Deduction Management Platform. The platform decides who may deduct and how much. Reset Direct then consolidates the employees already over-committed into a single affordable instalment.
Every lender sees the same payslip.
None of them sees the others.
Nothing records that approval. The next lender sees the same payslip, unchanged. So does the third. Each one approves responsibly against a picture that is already out of date.
Every deduction hits the payroll together and there is not enough salary to meet them. Some collect, some part-collect, some are rejected, largely at random.
Queries, disputes, zero payslips, attachment orders and staff in acute financial distress. None of it was caused by the employer and none of it can be fixed by the employer.
Govern. Then remediate. Then educate.
The order matters. Each step fails without the one before it.
The platform becomes the single gateway onto the payroll and enforces the employer's rules on every provider, at the moment a deduction is requested.
Rules protect the next employee. They do nothing for the one whose take-home pay is already at zero, because that debt pre-dates the rules. Consolidation is how that employee is reached.
Financial wellness education cannot reach a person in acute distress. Once take-home pay is restored, it has somewhere to land.
You cannot reset a client if there is nobody willing to do the consolidating.
The group governed payrolls first and expected the banks to come and consolidate. They did not. Reset Direct was established as the lender, and it lends only where the platform is in place.
The Affordability and Deduction Management Platform
Fifteen years inside the channel
The ADMP is developed, owned and managed by Reset Technology Group (Pty) Ltd. Reset Direct is one of the accredited providers that operates on it, subject to the same rules as every other provider.
These figures are the operating record of the Affordability and Deduction Management Platform, developed and managed by Reset Technology Group (Pty) Ltd. They are not the lending track record of Reset Direct (Pty) Ltd, which was incorporated in 2017 and whose lending platform went live in October 2025.
Reset Direct consolidation lending
A governed payroll protects the next employee. Consolidation reaches the one already in trouble.
Reset Direct settles an employee's existing obligations and replaces them with a single instalment collected off the payroll, sized to comply with the rules the employer has set. The providers who were taking too much are settled and come off the payroll.
| Today | After consolidation |
|---|---|
| Five or six providers, none aware of the others | One accredited provider, one instalment |
| Instalments sized without reference to each other | Sized inside the employer's ceiling and above the take-home floor |
| Priced for a collection method that regularly fails | Priced against a reliable payroll collection, so cheaper |
| Take-home pay at or near zero | Take-home pay restored in the first cycle |
| Credit record deteriorating | Credit record begins to repair |
All applications are subject to a full affordability assessment in terms of the National Credit Act 34 of 2005 and to approval under Reset Direct's credit policy. Approval is not guaranteed and applications are declined.
Individual outcomes vary with the size, cost and structure of the debt being consolidated. Figures shown are drawn from Reset Direct's existing consolidation book and are presented to illustrate how the mechanism works. They are not a projected outcome for any individual.
There is no retail application route and no route for an employee whose employer has not implemented the platform. The affordability assessment depends on live payroll data rather than on documents an applicant supplies, and the collection depends on a governed deduction. Without both, Reset Direct will not lend.
If your employer is not yet on the platform, the useful thing an employee can do is tell their payroll or HR department that the diagnostic exists.
Start with a picture of your own payroll.
We would rather show you your numbers than persuade you with ours. The Payroll Deduction Health Check is a no-cost diagnostic performed on a de-identified extract. No names, no identity numbers, and nothing traceable to an individual without a key that stays with you.
