A simple onboarding.
Then we run quietly in the background.
Four steps. About ten minutes total. After that, your payroll system does the work — and you receive a clear report every pay period.
Sign the participation agreement
A short agreement defining what VIGA does, how the payroll deduction works, and what protections are in place for you and your employee. No financial liability to your company. No exclusivity.
Create your VIGA employer account
Visit your unique employer portal link. Enter your name, work email, and a phone number for two-factor approvals. Your account becomes the secure place to view every loan, every deduction, and every report.
Connect your payroll system — one time
You'll be guided through a secure connection to your payroll provider (ADP, Paychex, Gusto, and most others are supported). It's the same OAuth-style approval you use for any modern business tool. After this, VIGA writes loan deductions directly into your payroll system — your team never has to enter one manually.
Approve new loans when notified
When an employee is approved for a loan, you receive a brief notification with the borrower, amount, per-pay-cycle deduction, and term. You log in, review, and approve. The deduction is then placed into payroll automatically — without any data entry on your side.
How a loan moves through your payroll.
Once you've approved a loan, here is exactly what happens — automatically, with no intervention from your payroll team.
VIGA writes the deduction into your payroll system.
Through our secure connection, VIGA sends a payroll instruction to your provider: employee ID, per-pay-cycle amount, start date, and total goal amount. Your payroll system accepts and schedules it.
Your payroll deducts the agreed amount and remits it to VIGA.
The deduction appears on the employee's pay statement as a clearly labeled post-tax line item. Your payroll provider sends one consolidated ACH to VIGA covering all participating employees — not a separate transaction per loan.
You receive a clean remittance report.
An itemized PDF and CSV arrive by email: every employee, every deduction, the amount remitted, the remaining balance. The same data is live in your employer dashboard, viewable any time.
The deduction stops automatically.
The moment a loan reaches its goal amount, VIGA removes the deduction from your payroll. No exit paperwork. No risk of over-deducting. The employee receives a thank-you note and a clean record of completion.
- No manual data entry. VIGA pushes deductions through the API.
- No employee data sharing. No roster, no salaries, no SSNs.
- No separate checks or wires. One consolidated ACH per period.
- No financial risk. Loans are between VIGA and the borrower — you are not a lender or co-signer.
- No chasing late payments. The obligation follows the employee, not your company.
- Live employer dashboard. Active loans, totals deducted, upcoming deductions.
- Per-pay-period reports. PDF and CSV remittance reports within 24 hours of each pay run.
- Single point of contact. One human at VIGA owns your account.
- Audit-ready records. Every loan, deduction, and consent logged and exportable.