Add embedded credit to your payroll platform. One API.
If you are a payroll provider, Phela’s API lets your employer clients access the full payroll credit rail without switching platforms. Your employers stay on your system. Their employees get access to bank products, insurance, savings, and BNPL. You earn a new revenue stream.
One integration. Instant scale.
Integrate once via API
Connect your payroll platform to Phela’s rail through a single API integration. Your system sends payroll data. Phela returns deduction instructions. The flow is embedded in your existing payroll run.
Your employers are automatically connected
Every employer on your platform gets access to the rail. No per-employer setup. No manual onboarding. Scale is instant.
Employees access financial products
Employees at your connected employers can access loans from partner banks, insurance, savings products, and merchant instalments. All deductions are managed by Phela and embedded in your payroll output.
Transform your payroll software into a fintech hub
New revenue stream
Earn a share of platform fees generated by employees at your connected employers. More employers on the rail means more revenue for your platform.
Competitive differentiation
Your payroll platform now offers embedded financial services. Employers have a reason to choose you over competitors who only process salaries.
Zero development burden
Phela handles all credit decisioning, affordability checks, CRB integration, collections, and reconciliation. Your platform sends payroll data. Phela does the rest.
Ready to connect your platform?
One API integration. Every employer on your system gets access. New revenue from day one.
Explore the API