Pay intelligence for frontline workforces

The payslip that answers back.

Netto is the pay intelligence platform for frontline workforces, built on WhatsApp. Every payslip delivered, every question answered with the figure cited.

Try the live demoSend us your first pay run — it's free
Three frontline workers looking at a phone together during a break
N
Netto Payslips
Official business account · Harbourline Logistics Ltd
Your September payslip is ready — net pay £1,762.24.
Why is my pay less than last month?
It's £165.21 lower than August. Overtime shows 0 hours on line 2 — in August it was 12. Want me to raise it?
Any payroll systemAny countryAny languageEvery AI answer cited and checked in codeDesigned for UK GDPR from day one

A real payday

One channel for everything about pay.

Your frontline never logs in to a portal — so every payday question lands back on payroll. Netto meets employees where they already are, on WhatsApp, and turns the payslip into the starting point for answers, fixes and, next, the money decisions that follow.

A warehouse team looking at a phone together on their break
Friday, payday.

Aisha's pay lands £165 light. No portal login she remembers, no one to ask until Monday.

Seconds later.

Her payslip arrives on WhatsApp. Netto has already compared it to August: overtime shows 0 hours on line 2 — in August it was 12.

One tap.

She replies “yes”. Netto drafts the query, attaches the evidence, sends it to payroll, and chases on day three so she doesn't have to.

Monday, for the employer.

One structured, evidenced query instead of a morning of guesswork — and Netto had already flagged the same missing-overtime pattern across the run before payslips went out.

One employee, one question, one tap — and the problem is with payroll, evidenced and chased, before Monday.

Four products, one thread

Payslips and Answers are open to everyone. Resolve is where Netto acts. Money follows.

Netto Payslips

Live today

Every payslip, on WhatsApp. No app, no portal, no login.

  • Runs on the files your payroll already produces — any system, any bureau
  • Reconciled to your register before release; one click approves the run
  • Password-protected delivery, recorded consent, proof of receipt
  • Full audit trail from import to delivery
About Netto Payslips →

Netto Answers

Live today

Any question about pay, answered instantly — every figure cited to its line.

  • Grounded only in the employee's own payslips and vetted statutory rules
  • Every answer cited and checked in code before it's sent
  • The AI explains; tested code does any arithmetic
  • Anything it can't answer is handed warmly to HR
About Netto Answers →

Netto Resolve

Early access

When pay looks wrong, Netto says so — and gets it fixed.

  • Compares each payslip to the last and flags what changed and why
  • Spots the same pattern across the whole run before payslips go out
  • Drafts an evidenced query, sends it to payroll on the employee's behalf, chases, and confirms the correction
  • Employee approves every action with one tap; everything logged for both sides
About Netto Resolve →Apply →

Netto Money

Coming 2027

The next money decision, in the same thread.

  • Earned wage access — a share of pay already earned, flat fee, repaid from next payslip
  • Payday savings swept the moment salary lands
  • Income protection priced off actual net pay
  • Missed pension match and unclaimed relief, spotted on the live payslip
About Netto Money →
Explore the product range →

How it works

No integration. No IT project. Live in days.

1

Send us your pay run.

The payslip PDFs and register export your payroll already generates — upload, SFTP or email.

2

We check, you approve.

Every payslip parsed and reconciled to your register to the penny. You see an exception report; one click releases the run.

3

Employees ask, Netto answers — and acts.

Payslips arrive on WhatsApp. Questions get cited answers. Problems get raised and followed through.

The AI explains. Code calculates. Every figure shows its source.

An AI assistant bolted onto payroll will eventually invent a tax rate, and one wrong answer about someone's pay destroys trust for good. Netto's architecture makes that structurally impossible.

Grounded

Answers come only from the employee's own payslips and vetted statutory rules for their country.

Cited

Every figure carries a citation to its payslip line, checked in code before the reply is sent.

Guarded

The AI never does arithmetic. Any number that is not on the payslip comes from a tested rules engine with dated official rates, and the AI cannot state a figure the engine did not produce. Every Resolve action needs the employee's tap.

Privacy by design

Netto is designed to act as your processor, with you as the controller, under a data processing agreement agreed before any data is loaded. Recorded opt-in, and STOP ends delivery immediately.

Security overview →Privacy notice →

A reason for every seat to sign off

One Netto across every client, every payroll system and every country you run. White-label available.
For bureaus →
Early access

Netto Resolve is the first AI that works on your employees' side of payday.

Resolve is switched on in cohorts. Tell us your payroll system, headcount and country, and you get a yes and a start date within two working days.

Apply for early access
Pricing
From per employee per month. First pay run free, then .

No contract, no minimums. Prices exclude VAT. Bureaus — white-label and multi-client pricing on request.

See full pricing →For bureaus →

Why we exist

Workforce intelligence at every worker's fingertips.

Most workforce software is built for people at desks. Most of the world's workforce isn't. Netto starts with the one document every worker on earth already gets — the payslip — and builds outward from there: answers, fixes, and a fairer route to the money they've already earned. A bank statement shows what landed. A payslip shows why, and what's coming next. Any payroll. Any country. Any language. Built for the worker. Paid for by the employer.

About Netto →

The founders — payroll depth meets product and AI depth

Lawrence Diamond

Co-Founder & CEO

Two decades in payroll, employer-of-record and workforce businesses across Africa, the Middle East and Europe. Former CEO of a JSE-listed workforce group placing 35,000 frontline workers; led regional expansion for three global payroll platforms. Serial founder.

Dr Ezra Carlson

Co-Founder & CTO

Three decades in engineering, digital transformation and technology ventures across S&P 500 operations in Africa, Europe, Australia and the USA. Founder of Tracking Solutions; co-founder of CozyHomes; Founder & CEO of Nano-Nose.

See what your payslips have been leaving unsaid.

One pay run. Zero IT involvement. The first one's free.

Send us your first pay runDownload the one-pager