Why become an agent
Built for shop owners
ClamPay removes the risk from credit while giving you all the benefits of offering it.
Guaranteed Payment
ClamPay acts as guarantor. When a customer's month-end savings are settled, the amount is credited directly to your float — you never chase customers.
Grow Your Customer Base
Offering credit to savings-backed customers brings new buyers to your shop who could not afford to pay upfront.
Simple App-Based Flow
Issue a loan in under 2 minutes from the ClamPay app. Search customer, add items, customer confirms with OTP — done.
Zero Credit Risk
Lending limits are tied to the customer's real rotating savings balance. You only lend what the system guarantees can be recovered.
Track Everything
Your agent dashboard shows all loans issued, repayment status, float balance, and customer history in one place.
Discoverable on the Map
Approved agents appear on the ClamPay customer map. Customers near you can find your shop and know you offer the lending service.
The process
How lending works
Five simple steps from customer request to guaranteed payment.
Customer visits your shop
They ask for items on credit. You open the ClamPay app.
Search their eligibility
Enter their national ID and first name. ClamPay shows their borrowing limit instantly.
Build the loan
Add items one by one. The app auto-calculates the total and checks it stays within the limit.
Customer confirms with OTP
An SMS is sent to the customer. They read the code to you. You enter it — the contract is sealed.
Get paid at month end
ClamPay deducts from the customer's rotating savings and credits your float automatically. No chasing.
Agent tiers
Grow with ClamPay
As your portfolio grows, so do your benefits.
Standard Agent
Get started with full access to the lending platform. Issue loans, track repayments, register customers.
Silver Agent
Unlock after 20+ active savings customers. Lower subscription rate when fees activate.
Gold Agent
Priority listing on the customer map, highest loan limits, dedicated support.
What you'll need
Application requirements
Gather these before you start. The form takes about 5 minutes.
Common questions
Frequently asked questions
Apply now
Start your agent application
Fill in the form below. Our team reviews all applications within 24–48 hours.
Personal Details
Step 1 of 5 — your personal information