Turn Every Customer into Upfront Cash.
With Debby, customers load your branded Spend Card—funds land in your wallet instantly, and they spend it only at your store.
Retail Cash Flow, Revolutionized.
Get paid before customers even shop
Customers preload branded cards, so cash hits your account instantly.
Locked-in, repeat spending
Loaded balances stay with your store, driving reliable return visits.
₦0 fees on branded payments
Process Spend Card transactions without POS fees or hidden charges.
Whether you run a supermarket, mini-mart, electronics store, or any retail business—Debby keeps your revenue flowing and your customers coming back.
How It Works — 3 Simple Steps
Turn every customer into upfront cash with our simple 3-step process
Give Customers Your Branded Card
You give customers your branded Spend Card. It's their gateway to your store and your key to upfront cash flow.
They Load, You Get Paid Instantly
They load it with money via bank transfer—you get the funds instantly. No waiting, no delays, just immediate cash flow.
They Return and Spend
Customers return to shop and spend their balance, which stays locked to your store. Guaranteed repeat business.
Why Retailers Choose Debby
Simple benefits that transform your business
Cash flow on your terms
Customers preload value, giving you predictable cash to restock and plan inventory.
Zero-fee branded payments
Accept Spend Card purchases without POS fees, even during peak retail hours.
Data-powered loyalty
See who loads, who spends, and trigger targeted offers right from your dashboard.
Built for multi-location teams
Roll out a single program across branches with manager permissions and shared analytics.
Multi-branch dashboards
Monitor cash balances and card usage across every location in seconds.
Automated customer nudges
Send SMS or WhatsApp reminders when balances run low or cards are idle.
Realtime reconciliation
Export-ready reports keep finance teams in sync with settlements and payouts.
Role-based controls
Give staff the access they need without exposing sensitive revenue data.
Branded Retail Spend Cards
Turn every purchase into prepaid revenue. Sell branded cards that customers load with money—you get paid instantly.
Retail Financing Made Simple
Create fixed-value retail cards that customers buy upfront. Perfect for regular shoppers, gift cards, and loyalty programs.
This feature is coming soon. Join our beta to be the first to know when it's available.
Join Beta for Early AccessDebby for Retail — FAQ
Everything you need to know about using Debby for your retail business
How does Debby help with retail cash flow?
How does Debby help with retail cash flow?
Debby provides immediate access to funds when customers purchase and load their retail cards, giving you working capital upfront before they even shop.
Can customers use cards at multiple branches?
Can customers use cards at multiple branches?
Yes! Debby cards work seamlessly across all your store locations, creating a unified payment ecosystem for your entire retail chain.
What happens to unused card balances?
What happens to unused card balances?
Unused balances remain locked to your store ecosystem, encouraging customers to return for future purchases.
Is there a minimum store size requirement?
Is there a minimum store size requirement?
No minimum requirements! Debby works for small boutiques to large retail chains with multiple locations.
How do I issue cards to customers?
How do I issue cards to customers?
You can issue retail cards right at checkout or through your loyalty program. It's fast, easy, and doesn't require any extra setup.
Can I get custom-branded cards for my store?
Can I get custom-branded cards for my store?
Yes. If you want to issue branded cards, we'll work with you to create sample designs. Once you approve a design, we'll handle the personalization and delivery of your store-branded spend cards.
Ready to transform your business?
Join our beta program today and transform how your business accesses working capital. Limited spots available.