Shop now. Pay later.
Through payroll.
One pre-approved limit at trusted retailers — repaid automatically from the next salary cycle. Zero defaults. Guaranteed weekly merchant settlement. No cash needed at checkout.
- 0% credit risk for employers
- 7-day merchant 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. Zero defaults. Real welfare. Real growth.
- Pre-approved limits based on verified salary
- Instant checkout authorization at partner retailers
- Automatic payroll deduction — no chasing, no defaults
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 means zero defaults.
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.