Sell on instalments.
Get paid upfront.
Join Phela’s merchant network and offer instalment payments to salaried employees. Phela settles the full purchase amount to you upfront. The employee repays through automated payroll deductions. You carry zero credit risk.
Four steps to zero-risk BNPL
Employee purchases from your store
A salaried employee on Phela’s network selects your product or service and chooses to pay in instalments through their payroll.
You receive full payment upfront
Phela settles the full transaction value to your account within the agreed settlement window. You do not wait for the employee to finish repaying.
Employee repays through payroll
Instalments are deducted from the employee’s salary each pay cycle. Automatic. Guaranteed. The employee’s affordability is verified before the purchase is approved.
Zero credit risk for you
Phela and the bank handle all credit risk. You are a seller, not a lender. Your payout is guaranteed regardless of the employee’s repayment schedule.
Growth without the liability
Higher average order value
Customers spend more when they can pay in instalments. Your ticket size increases without you extending any credit.
New customer base
Access Phela’s network of salaried employees at connected employers. These are verified, employed buyers with confirmed income.
Merchant portal
Track settlements, view transaction history, and monitor payout status through Phela’s dedicated merchant dashboard.
Ready to grow your sales?
Join the merchant network. Sell more. Get paid upfront. Carry no risk.
Apply to Join