# PAMP SME Accounting & Payroll PAMP SME Accounting & Payroll provides small and medium enterprises across Africa with an integrated financial management platform covering bookkeeping, invoicing, expense tracking, tax reporting, and payroll processing. The platform is designed specifically for the African SME context — supporting multiple currencies, local tax regimes, mobile money reconciliation, and informal business practices. A key differentiator is the native integration with **Sage Accounting (v3.x REST API)** and **Sage Intacct**, enabling merchants to sync their PAMP Marketplace transactions directly into their accounting system. This eliminates manual data entry and provides real-time financial visibility for merchants operating on the DukaExpress platform. ## Business Model PAMP SME Accounting & Payroll operates a **SaaS subscription model** with tiered pricing: - **Monthly Subscriptions**: Tiered by business size (number of employees, transaction volume) - **Payroll Processing Fees**: Per-employee per-month fee for payroll calculation, tax withholding, and disbursement - **Sage Connector Revenue**: Premium integration with Sage Accounting and Intacct (included in higher tiers) - **Tax Filing Add-On**: Automated tax return preparation and filing assistance - **Ecosystem Revenue**: Accounting data feeds PAMP Credit for merchant credit scoring, creating cross-subsidiary value Sales Data"] PAY["PAMP Pay
Transaction Records"] BANK["Bank Feeds
(Nedbank + Others)"] MANUAL["Manual Entries
& Receipts"] end subgraph "Accounting Platform" GL["General Ledger"] INV["Invoicing"] EXP["Expense Tracking"] TAX["Tax Calculation"] PAYROLL["Payroll Engine"] REPORT["Financial Reports"] end subgraph "Integrations" SAGE["Sage Accounting
(v3.x REST)"] INTACCT["Sage Intacct"] SARS["Tax Authority
(SARS, FIRS, KRA)"] CREDIT["PAMP Credit
(Credit Scoring)"] end MKT --> GL PAY --> GL BANK --> GL MANUAL --> GL GL --> INV GL --> EXP GL --> TAX GL --> PAYROLL GL --> REPORT GL --> SAGE GL --> INTACCT TAX --> SARS REPORT --> CREDIT style GL fill:#3b82f6,stroke:#2563eb,color:#fff style PAYROLL fill:#10b981,stroke:#059669,color:#fff style SAGE fill:#8b5cf6,stroke:#7c3aed,color:#fff `} /> ## Total Addressable Market (TAM) ## Pricing Structure **Add-On Pricing**: - Additional payroll employees (beyond plan limit): $1.50/employee/month - Automated tax filing: $5/month per tax jurisdiction - Receipt OCR scanning: $3/month (unlimited scans) - Multi-currency module: Included in Growth+ plans ## Operating Model - **Deployment**: Cloud-native SaaS with offline-capable mobile app for merchants with intermittent connectivity - **Accounting Engine**: Double-entry bookkeeping with chart of accounts customizable per country and industry - **Payroll Processing**: Automated salary calculation, tax withholding (PAYE, UIF, SDL for SA; PAYE for Nigeria/Kenya), and disbursement via PAMP Pay - **Sage Integration**: OAuth 2.0 authenticated connector to Sage Accounting v3.x REST API and Sage Intacct; bidirectional sync of invoices, payments, and journal entries; Smart Events for real-time data flow - **Bank Feeds**: Automated bank statement import and reconciliation (Nedbank native, other banks via Open Banking APIs where available) - **Tax Compliance**: Country-specific tax calculation engines for VAT/GST, income tax, and payroll taxes - **AI Features**: Receipt OCR for expense capture, anomaly detection for bookkeeping errors, cash flow forecasting powered by Big Data Cloud ## Regulatory Notes | Market | Tax Authority | Key Compliance Requirements | |--------|--------------|----------------------------| | South Africa | SARS | VAT (15%), PAYE, UIF (1%), SDL (1%), provisional tax, annual IT12 returns | | Nigeria | FIRS | VAT (7.5%), CIT (30%), PAYE, pension contributions (18%), annual tax returns | | Kenya | KRA | VAT (16%), corporate tax (30%), PAYE, NHIF/NSSF contributions, iTax integration | | Morocco | DGI | TVA (20%), IS (corporate tax 10-31%), IR (income tax), CNSS social contributions | | DRC | DGI | TVA (16%), impot professionnel, INSS social security contributions | | Senegal | DGID | TVA (18%), IS (30%), IPRES pension, CSS health insurance | | Ghana | GRA | VAT (15%), CIT (25%), PAYE, SSNIT (13%), GETFund levy | **Sage Partnership Compliance**: The Sage connector complies with Sage Marketplace submission requirements, including OAuth 2.0 authentication, API rate limiting, data handling standards, and the Sage Partner Program terms. ## SWOT Analysis ## Competitive Positioning ## KPI Dashboard