xP Payroll has been running real Zambian payroll since 2022. It exists because I needed it — I run a training institute in Lusaka and spent too many month-ends on PAYE, NAPSA and NHIMA in a spreadsheet. More than 100 Zambian businesses have signed up since, across pharmacies, schools, salons, engineering firms and churches. It exports payment schedules in the exact format ABSA, Stanbic, FNB and Access each expect, and the tax tables have been updated through every ZRA change since we started — because when the bands move, your payslips have to be right that same month.