Galaxy is an interactive gateway software solution deployed at employer groups to manage the complex business functions surrounding statutory and non-statutory employee deductions in payroll systems. Galaxy provides an affordability assessment of each employee upon receiving a request for a deduction on behalf of an employee, thereafter either rejecting or approving the deduction subject to pre-determined criteria, and if applicable, automatically remitting the funds electronically to the approved supplier (creditor) with an appropriate cashbook reconciliation. Major benefits include guaranteed payment via the gateway established with employers providing suppliers access to the lowest level of the payment value chain.