Question 1

What is NTA 2025 and how does it affect my payroll?

Accepted Answer

The Nigeria Tax Act 2025 introduced significant changes to personal income tax, including an ₦800,000 annual tax-free threshold and revised progressive tax bands (15%, 20%, 25%). Usawapay automatically applies these new rates to all payroll calculations.

Question 2

How is PAYE calculated in Nigeria in 2025?

Accepted Answer

PAYE is calculated using the NTA 2025 formula. First, gross income is computed and tax-free allowances applied. Then progressive tax rates (0% up to ₦800,000, 15% up to ₦2.4M, 20% up to ₦4.8M, 25% above) are applied. The system also handles Consolidated Relief Allowance (CRA) calculations.

Question 3

How do I migrate from my current payroll system?

Accepted Answer

Migration is simple. You can import your employee data using our bulk upload feature (Excel/CSV). Most businesses are up and running within a day.

Question 4

Is my payroll data secure?

Accepted Answer

Yes. Usawapay uses bank-grade encryption for all data transmission and storage, is compliant with Nigerian Data Protection Regulations (NDPR), and implements role-based access controls.

Question 5

Do you support all Nigerian banks?

Accepted Answer

Yes, Usawapay supports all major Nigerian banks for salary payments and bank schedule generation.

Question 6

Can employees access their payslips online?

Accepted Answer

Yes. Every employee gets access to a self-service portal where they can view and download payslips, request tax certificates, and update personal information.

Question 7

What statutory deductions are supported?

Accepted Answer

Usawapay handles PAYE (Pay As You Earn tax), Pension contributions (8% employee, 10% employer), NHF (National Housing Fund at 2.5% of basic), and NHIS (National Health Insurance Scheme).

Question 8

Is there a free trial?

Accepted Answer

Yes. Every new account gets a 30-day Professional trial with full access to all features — up to 60 employees, employee self-service portal, loan management, contractor payments, and advanced reports. No credit card required.