Six steps from payroll to checkout.
Every flow is designed so the right people get paid at the right time — with zero risk to the employer and guaranteed settlement for the retailer.
- STEP 01
Employer signs up with Altura
HR shares the verified payroll roster and confirms the maximum percentage of salary available for credit. Setup takes under 30 minutes.
- STEP 02
Staff receive pre-approved limits
Altura underwrites every employee using salary, tenure, and existing deductions. Each employee is notified of their personal credit ceiling.
- STEP 03
Staff shop at partner retailers
At checkout (in-store or online), the cashier looks up the employee. Altura returns an instant approve / decline based on remaining balance.
- STEP 04
Altura authorises checkout
Approved transactions are committed in real time. The employee walks out with their goods. Receipt and SMS confirmation arrive instantly.
- STEP 05
Retailer is settled in cash
Every Friday, Altura pays the retailer net of agreed commission for all approved transactions in the past 7 days. No held funds. No reconciliation pain.
- STEP 06
Repayment via payroll deduction
On the next pay run, the employer deducts the agreed amount from the employee's salary and remits it to Altura. The cycle resets — limit refreshes.
A clean role for every party.
Provides verified payroll roster. Forwards monthly deduction. Earns staff loyalty.
Receives a personal limit. Shops at partner retailers. Repays automatically.
Sells more, faster. Receives guaranteed weekly settlement from Altura.
Underwrites, authorises, settles, and recovers — running the entire credit operation.
A KSh 8,200 grocery shop, end-to-end.
Mary, a retail supervisor earning KSh 65,000, has a 30% Altura limit. She picks up groceries at Uchumi mid-month and walks out without spending cash. Here's what happens behind the scenes.
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Walk through a real authorisation, settlement, and payroll deduction with our team.
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