Shop now. Pay later.
Through payroll.
One pre-approved limit at trusted retailers — repaid automatically from the next salary cycle. Agreed installment cycles tailored to client ability and agreements. Guaranteed weekly merchant settlement. No cash needed at checkout.
- 0% credit risk for employers
- 7-day retailer settlement
- Bank-grade payroll security
Salaried workers can't afford essentials between paydays.
Mid-month cashflow gaps push employees into expensive informal credit, payday loans, and borrowing against social capital. Retailers lose sales. Employers see productivity dip.
- 63% of salaried staff run out of cash by mid-month
- Predatory lenders charge up to 30% monthly interest
- Retailers lose 40% of basket value at checkout abandonment
Embed responsible credit directly into payroll.
Altura issues pre-approved limits to verified employees, settles retailers in cash, and recovers funds at source from the next salary cycle. Agreed installment cycles tailored to client ability and agreements. Real welfare. Real growth.
- Pre-approved limits based on verified salary
- Instant checkout authorization at partner retailers
- Automatic payroll deduction on agreed installment cycles
Four steps. Zero friction. Guaranteed repayment.
HR shares verified payroll roster. Limits and ceilings agreed in minutes.
Each employee receives a pre-approved spending limit, instantly.
Checkout at Uchumi and partner stores using the Altura authorization.
Repayment is auto-deducted next payroll cycle. Retailer is settled weekly.
One platform. Three winning sides.
Boost staff welfare without writing a cheque.
- Improved employee welfare
- Reduced financial stress
- Controlled staff credit ceilings
- Payroll-based repayment
- Zero loan administration
Buy what you need today. Pay from next salary.
- Access to essential goods
- No cash at checkout
- Transparent spending limits
- Flexible salary deduction
- Simple repayment tracking
Unlock corporate-linked spending power.
- Increased sales volume
- Higher basket values
- Guaranteed weekly settlement
- Corporate-linked customers
- Faster checkout flow
Repayment at source on agreed installment cycles.
Unlike traditional BNPL that chases consumers post-purchase, Altura recovers funds before the employee ever sees their salary. That single design choice eliminates the entire default spiral — and lets us extend more credit, to more people, more responsibly.
Ready to give your team payroll-powered purchasing?
Join the pilot. Onboard in under two weeks. Watch retention, welfare, and merchant volume rise together.