Built so the right people get paid at the right time.
Trust isn't a marketing feature — it's the foundation of every Altura transaction. Bank-grade · Payroll-secured · Privacy-first.
Repayment is deducted at source from the next salary cycle. The funds are recovered before the employee even receives them — eliminating the entire default spiral.
Every employee has a calculated personal ceiling based on verified salary, tenure, and existing deductions. Spending above the limit is impossible.
Each authorisation is checked in real time against employer policy, available balance, and merchant whitelist. No grey-area approvals.
Only employers with confirmed legal status, payroll capability, and signed deduction authority are onboarded into the network.
Two-factor employee verification at checkout. Time-bound authorisation codes. Every event signed and logged for audit.
Personal salary data never leaves the Altura environment. Retailers see only an authorisation result — never PII.
Every employee sees their limit, balance, deduction date, and amount before they shop. No fees hidden in fine print.
Every authorisation, settlement, and payroll deduction is immutably logged and exportable for HR, finance, and regulators.
Employer or employee can pause access in one click. Limits adjust automatically when employment status changes.
Three commitments that govern every line of code.
We will never extend credit beyond what an employee can comfortably repay from a single salary cycle.
Every party — employer, employee, retailer — sees the full picture. No hidden fees. No silent rate changes.
Encryption in transit and at rest. Role-based access. Continuous security scanning. Independent audits.
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