Sell more. Get paid in full.
Offer instalment options to salaried employees without carrying the credit risk. Phela handles credit, collections, and payroll deductions. You get settled upfront.
Phela's infrastructure is designed for merchants who want to sell more to salaried employees without carrying credit risk.
Merchants selling to the salaried segment
Perfect for products and services purchased by formally employed individuals.
Merchants who want zero credit risk
Phela handles all credit and collections. You get settled upfront with no exposure.
Businesses seeking higher sales
Unlock purchases from employed customers who can now spread payments across salary cycles.
How it works
A seamless end-to-end process from integration to settlement. Join the network of merchants growing their revenue through Phela's payroll infrastructure.
Connect to Phela
Integrate your business with Phela's merchant infrastructure.
Employee Selects Product
Verified salaried employees choose your products or services.
Phela Verifies
Employment and affordability are verified in real time.
Employee Accepts Terms
Employee reviews and accepts the repayment terms.
You Get Settled
Receive the full payment upfront. Phela carries the risk.
Payroll Deduction
Phela handles automatic monthly deductions from the employee's salary.
Product Categories
Phela supports a wide range of product and service categories for merchants across the salaried employee segment.
Electronics
TVs, Laptops, Sound Systems
Gadgets
Smartphones, Tablets
Furniture
Sofas, Beds, Tables
Kitchenware
Cookers, Microwaves, Fridges
Travel
Flight Tickets, Holiday Packages
Education
School Fees, Online Courses
Accommodation
Hotel Bookings, Rentals
Fitness
Gym Equipment, Bicycles
Groceries
Bulk Household Supplies
Fashion
Clothing, Shoes, Accessories
Accessories
Watches, Jewelry
Beauty
Skincare, Cosmetics
Seamless Integration
Connect to Phela's infrastructure and offer instalment options to salaried employees. Phela handles credit risk, collections, and payroll deductions, and you receive settlement upfront.
Chooses instalment term backed by their salary
We verify employment status and affordability in real time
Receive the full amount. Phela carries the credit risk
Repayment is deducted from the employee's salary automatically
Higher Conversion
Employees are more likely to complete purchases when they can spread payments across payroll cycles.
Zero Default Risk
Payments are deducted directly from the customer's salary before it hits their bank account.
Upfront Settlement
No waiting for collections. Phela settles you upfront and handles payroll-deducted repayments.
Everything you need to sell more
Your merchant portal with powerful tools to manage your business, track settlements, and grow revenue
Merchant Dashboard
Track total revenue, monthly earnings, transactions, and active customers in real-time.
Multi-Shop Management
Manage multiple retail locations and outlets from a single dashboard.
Product Catalogue
Add products individually, bulk upload, or link your external catalogue.
Marketplace Listing
Your products displayed on Phela's marketplace with access to thousands of employed customers.
Transaction Tracking
Monitor all transactions in real-time with search and filter by status.
Ready to boost your sales?
Join merchants growing revenue through Phela's payroll-anchored infrastructure.
Get Started