Multi-User Roles & Permissions — Mutual Africa Pay

The right people see
the right things — nothing more

Granular role-based access control across every module in Mutual Africa Pay. Define exactly what each team member can view, create, edit, and approve — protecting financial data integrity while giving your team the access they need to do their work.

Owner RoleAccountant RoleManager RoleViewer RoleModule-Level ControlInvite Team Members
Capabilities

Six role and permission capabilities that protect your financial system

Roles and permissions in Mutual Africa Pay are not a simple on/off switch — they are a granular access control system that ensures every team member interacts with only the data and functions their role requires.

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Owner Role

Full access to every module, every report, every setting, and every financial record in Mutual Africa Pay. The owner role is assigned to the business owner or primary administrator — and is the only role with access to billing, subscription management, and user administration.

📊
Accountant Role

Full access to all financial modules — invoicing, expenses, accounting reports, bank reconciliation, VAT, and payroll — without access to business settings, user management, or subscription details. Designed for internal finance staff or external accountants who need complete financial visibility.

👔
Manager Role

Access to operational modules — client management, supplier management, inventory, purchase orders, quotes, and projects — with view-only access to financial reports. Managers can run operations without accessing sensitive financial configuration or detailed accounting data.

👁️
Viewer Role

Read-only access to specified modules and reports. Designed for stakeholders who need visibility into business performance — investors, directors, or advisors — without the ability to create, edit, or approve any records.

⚙️
Module-Level Access Control

Configure access at the module level — grant a team member access to invoicing but not payroll, or to expense recording but not financial reports. Fine-grained control ensures each person's access matches their specific responsibilities precisely.

✉️
Team Member Invitation

Invite team members to Mutual Africa Pay by email, assign their role, and define their module access. Invitations are sent directly — team members set up their own access credentials. User management and access changes are controlled exclusively by the owner role.

How It Works

Configured once — enforced automatically on every login

Role and permission configuration in Mutual Africa Pay is a one-time setup that enforces itself automatically on every subsequent login. Once a team member's role is defined, they see only what their role permits — every time, without any ongoing management required.

01

Define roles for your team

Decide which role each team member needs — owner, accountant, manager, or viewer — and whether any module-level customisations are required. The role structure reflects your actual business hierarchy and data access requirements.

02

Invite team members

Send invitations to team members by email from within Mutual Africa Pay. Each team member receives an invitation link, sets up their own secure credentials, and logs in with the access level their role defines.

03

Access enforced automatically

From the first login, each team member sees only the modules and data their role permits. No ongoing management required — access is enforced automatically on every session.

04

Update access as the business changes

When team members change roles, join, or leave — update their access from the user management dashboard. Access changes take effect immediately. Departed team members can be deactivated instantly, revoking all access without deleting their historical activity records.

Use Cases

How African businesses use roles and permissions

Growing teams require structured access control — roles and permissions protect financial integrity as more people work within the same business system.

Growing SME

A Johannesburg firm separates financial and operational access

A 20-person professional services firm gives its three operations managers access to client management, projects, and quotes — but not to financial reports or payroll. The finance manager has accountant-level access to all financial modules. The managing partner has owner access to everything. Each team member works within their defined scope — sensitive financial data protected from unnecessary exposure while operations run efficiently.

Family Business

A Cape Town retailer controls access for family and staff

A family-owned retail business gives the owner full access, the spouse accountant-level access for bookkeeping, and two staff members manager-level access for sales and inventory management. Payroll and financial reports are only visible to the owner and spouse — staff can operate the POS and manage stock without seeing compensation or profitability data.

Accounting Practice

A Pretoria firm provides client access to their own data

An accounting practice uses Mutual Africa Pay's viewer role to give business clients read-only access to their own financial reports and dashboards. Clients can monitor their business performance without the ability to create or edit records — maintaining data integrity while providing transparency that strengthens the client relationship.

Multi-Entity Group

A Lagos group manages access across three subsidiaries

A business group with three operating companies uses separate Mutual Africa Pay accounts for each entity — with the group CFO having accountant-level access across all three. Each subsidiary's finance manager has owner-level access to their own entity only. The group CFO can review consolidated performance without individual subsidiary staff having visibility into sibling company data.

Built for Africa

Access control built for African business governance structures

African businesses operate across diverse governance structures — family businesses, partnerships, corporate groups, and businesses with external accountants or auditors. Mutual Africa Pay's role and permission system is flexible enough to support all of these structures while maintaining the financial data integrity that each requires.

Accountant access designed for South African accounting practice relationships — external accountants given appropriate financial visibility without ownership-level control
Viewer role supports investor and board access to financial reports across African businesses seeking external investment
Module-level control suited to the diverse job function structures of growing African SMEs
Instant deactivation for departed team members — critical in markets where staff turnover can be unpredictable
Audit trail records all actions by user — accountability maintained regardless of which team member made each change
Mobile access controls apply equally on the Mutual Africa Pay mobile app — roles enforced consistently across all devices
Get Started

Control who sees what in your business

Roles and permissions are included in Mutual Africa Pay's Summit plan and above. Set up your team's access structure today.

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