Now onboarding Nigerian organisations for design-partner pilots
From qualifying a supplier to reconciling the deduction
One platform for the whole of it: onboard and qualify suppliers, offer their items to staff, hold the affordability line, get payroll to agree, prove the handover and reconcile what was actually deducted.
Built for employers and cooperatives running staff welfare, commodity and instalment-purchase programmes.
At a glance
The whole of it, in one line
Eight stages across three parts of the platform. Pick any one to see what it means — or read the row and see the shape of the thing without clicking anything.
Suppliers
Staff purchasing
Distribution and payroll
Start from the supplier list you already keep
Upload the spreadsheet. Columns are profiled, duplicates surfaced and every value traced back to the cell it came from. Nothing becomes a live record until a reconciliation report balances and somebody approves it.
One platform
Activated around what your organisation runs
Start with the workflow you need today. Staff purchase operations, supplier onboarding, or both — switched on from one shared set of records, so a qualified supplier is the same supplier a campaign buys from.
Staff purchase operations
Run every campaign from application to final deduction.
- Publish approved items to eligible employees
- Apply your own salary and exposure limits
- Capture what each employee agreed to, before they submit
- Send payroll a deduction instruction it can accept or refuse
- Allocate against the quantity a supplier actually committed
- Reconcile what payroll took against what was instructed
Supplier onboarding
Turn existing supplier records into a governed register.
- Import the supplier spreadsheets you already hold
- Open branded vendor windows with your own rules
- Collect documents, answers and declarations
- Review and qualify with a recommendation and a decision
- Preserve the complete decision trail
- Use qualified suppliers in staff-purchase campaigns
Distribution and payroll
Know what was allocated, handed over and collected back.
- Three fulfilment modes, each with its own proof of handover
- A handover certified by somebody other than whoever allocated it
- A deduction schedule payroll can act on
- Actual results imported and matched against instructions
- Shortfalls and duplicate deductions surfaced, not buried
- Exceptions stay visible until somebody resolves them
Affordability
Payroll remains the final authority
Approval is not capacity, and neither is a deduction. An approved request waits for payroll to accept the instruction, and nothing proceeds until it does.
Your payroll team defines
- The share of net pay available for purchases
- The minimum take-home that must remain, whatever the percentage allows
- The maximum an employee may owe across every purchase at once
- The longest an instalment plan may run
- Whether an employee may hold more than one purchase at a time
- How long somebody must have worked here before applying
What an employee sees
Their available purchase capacity and the instalment they would take on — not a salary record, and not anybody else’s.
An employee who cannot afford an item is told so before they apply, in the terms of the rule they failed. Somebody who is eligible but short of capacity is told something different from somebody who is not eligible at all — because “declined” is not an answer.
Every assessment records the policy version it was decided under. A policy changed this month never rewrites a decision made last month.
Operations
Built for how this actually goes wrong
Programmes do not fail at the happy path. They fail at the short delivery, the salary that changed, the employee who left and the deduction payroll never took.
Spreadsheet migration
Profile, map, deduplicate and reconcile the files you already use. Nothing becomes a live record until a reconciliation report balances and a person approves it.
Allocation you cannot overdraw
An allocation is refused once it would exceed what the supplier committed to provide. Oversubscribed lines go to a waiting list rather than promising stock that does not exist.
Controlled collection
A one-time credential that cannot be redeemed twice, and a record of who received each item, where and when.
Payroll reconciliation
An expected deduction moves no balance. Only what payroll confirms it deducted reduces what an employee owes, and the difference is reported rather than assumed away.
Exceptions with names
A missed deduction, a duplicate one, a salary that fell below the threshold, an employee who left, a returned item, a price that changed after consent, a disputed collection.
Balances nobody can edit
What an employee owes is derived from posted entries every time it is shown. There is no balance field for anybody to correct quietly.
Configurations
Three ways to start
Each is a certified configuration rather than a menu of switches. Modules can be added later; deactivating one preserves every record and every obligation still running.
Staff Purchase Operations
For organisations digitising employee applications, affordability, allocation, collection and deductions.
Sourcing and quotes
For organisations that ask several suppliers for a price and want the quotes sealed until the request closes.
Supplier Onboarding
For organisations migrating supplier data and running controlled vendor-registration and qualification windows.
Connected Operations
For organisations that want to qualify suppliers and then buy from those approved vendors for staff.
Boundaries
A supplier record is not an approval
Registration creates a supplier record — not an approved vendor. Qualification confirms that defined requirements were met — it does not create an invitation, contract, award or payment authority.
Each organisation retains control over sourcing, contracting, ERP creation and payment approval. The platform preserves the evidence and decision trail needed for those downstream processes.
The organisation, cooperative, vendor or licensed finance partner remains responsible for selling or funding the item. The platform holds no stock, lends nothing and moves no money — it coordinates the workflow, enforces the controls and keeps the evidence.
Design-partner programme
Move one real staff-purchase programme from spreadsheet to controlled operation — application, affordability, payroll acceptance, allocation, collection and reconciled deduction.
From ₦1,500,000
Pilot scope depends on the quality of your existing data, the size of the programme and what has to be exchanged with payroll. Confirmed after the assessment, in writing, before anything is committed.
Employees do not pay to use the platform. The organisation is charged, never the workforce. Vendors do not pay to register or submit an application.
- Assessment and migration of the data you already hold
- One staff-purchase campaign, with your items and your terms
- Your affordability policy configured and versioned
- Employee applications, consent and payroll acceptance
- Allocation, collection credentials and proof of handover
- A deduction schedule exported to payroll and reconciled on return
- One supplier-onboarding window where the programme needs new vendors
Where to begin
Bring the spreadsheet you use now
Show us how your organisation runs staff purchases today — the application form, the approval chain, the allocation list and the deduction schedule. We map it against controlled operation and tell you where the evidence gaps are.