The WholeMatt Model Explained

One Store. Many Businesses.
One Intelligent System.

WholeMatt brings independent sellers together under a single premium physical store and centralized digital platform — combining the efficiency of large retail chains with the freedom of independent business.

Quick Guide

Everything at a glance

Shared Physical Store
One premium space, many sellers
Centralized POS
Every sale tracked automatically
Seller Dashboard
Real-time sales & stock
Transparent Pricing
Deposit + rent + small commission
Auto Inventory
Stock updates after every sale
Multi-Branch
Expanding town by town
Shared Profit Pool
Earn from all sales by slots
M-Pesa Integrated
Cash & mobile money supported
What is WholeMatt?

A shared retail space, run by one intelligent platform

Instead of every seller renting, staffing, and managing their own shop, WholeMatt provides a shared retail space, professional management, and a powerful system that handles sales, payments, inventory, and operations — all under one roof.

Sellers simply bring their products, lock a slot, and earn a share of profit from every sale across the network. WholeMatt takes care of everything else.

Shared prime location
One POS for all sellers
Real-time seller dashboards
Expanding across Kenya
How It Works

8 pillars of the WholeMatt model

From slot-based profit sharing to multi-branch expansion — every part of WholeMatt is designed for clarity, control, and growth.

01
Lock a slot, earn from all sales

Slot-Based Profit Sharing

WholeMatt's Unified System replaces single-category ownership with shared profit. You lock one or more slots by paying a membership fee and lock deposit, then earn a share of profit from every approved sale across the entire network — not just one shelf.

  • Lock a slot with your membership + lock deposit
  • Add capital to increase your slots (KES 20k = 1 slot)
  • Earn from all approved sales network-wide, by slot allocation
  • Stock you bring in joins the shared pool
"Lock a slot once. Earn from every sale, every day."
02
Premium location, zero hassle

Shared Physical Store

All sellers operate together from one professionally managed retail space. WholeMatt handles everything — prime location, display setup, shop attendants, security, and daily operations. You just supply great products.

  • Prime high-footfall shop location
  • Professional display and spot setup
  • Dedicated trained shop attendants
  • Security and full daily operations covered
"Sellers supply products. WholeMatt runs the store."
03
One till. Every seller. Zero confusion.

Centralized POS Checkout

Every sale in the store flows through a single intelligent Point of Sale system. The moment a customer pays, the system instantly identifies the product, records the sale under the correct seller, and prints a receipt — all in seconds.

  • Cashier scans item → seller is auto-identified
  • Cash and M-Pesa payments supported
  • Receipts generated instantly
  • Every sale recorded under the right seller
"Just like a supermarket — but built for independent businesses."
04
Your money, always accounted for

Payments & Sales Tracking

Every transaction is automatically logged in real time. Sellers can log into the portal at any moment and see exactly what sold, how much was earned, and what is owed to them — with full transparency from first sale to payout.

  • Real-time sales visibility for every seller
  • Secure fund handling and clear reporting
  • M-Pesa and cash transactions tracked separately
  • Payout requests managed through the portal
"No spreadsheets. No guesswork. Just clear numbers."
05
Always know what's in your spot

Smart Inventory Management

Stock levels update automatically after every sale. When a product runs low, the seller receives an instant alert. This keeps spots stocked, customers happy, and sellers always ahead of their supply needs.

  • Auto stock deduction after every sale
  • Low stock alerts sent directly to sellers
  • Product-level performance tracking
  • Plan restocks before products run out
"The system tracks your stock so you don't have to."
06
Your business, at a glance

Seller Portal Dashboard

Every seller gets a personal dashboard through the WholeMatt portal — a dedicated control center to view sales, manage products, track performance, and stay connected to their business from anywhere.

  • Daily, weekly, and monthly sales reports
  • Inventory management and product uploads
  • Performance analytics and trend charts
  • Mobile-friendly — access from any device
"Your entire business in one clean dashboard."
07
One system. Many towns.

Multi-Branch Expansion

WholeMatt is architected from the ground up to scale. Every new location runs on the same system, same structure, and same quality standards — with its own sellers per category. One platform powers them all.

  • Consistent store experience across all towns
  • Centralized admin manages all branches
  • Regional managers per location
  • Sellers can expand to multiple towns
"A growing network of smart retail stores, all connected."
08
Know exactly what you pay — and what you get

Simple, Transparent Pricing

Sellers pay a membership fee and a lock deposit to join the Unified System, a shared monthly rent that covers store operations, and a commission plus 16% KRA tax deducted per sale. In return, they get a physical store presence, a fully running sales system, and a share of the whole network's profit — without the overhead of running a shop alone.

  • Membership fee + lock deposit to activate your slot
  • Affordable monthly shared rent (default KES 3,500)
  • Commission + 16% KRA deducted per sale
  • No hidden costs or surprise charges
"Fraction of the cost. Full retail presence."
Store Display Zones

How products are displayed

The WholeMatt store is organized into display zones — from Prime to Showcase. In the Unified System every locked member shares in the network's total profit by slots, so your earnings aren't tied to a single zone — but placement still shapes how fast products move.

View pricing for:
Pricing may vary by town
Prime Spot
Best placement. Maximum visibility.
Tier

Eye-level prime position at the very front of the shop — the first thing customers see when they walk in. Prime spots capture impulse buys, repeat purchases, and the highest daily footfall. Products here are also featured in our marketing and promotions.

  • Front-of-store, eye-level placement
  • First display customers encounter
  • Included in all store promotions
  • Priority restock support from attendants
💰 Est. Monthly Sales
KES 25,000 – 60,000/mo
Best for: Electronics, Cosmetics, Phones & Accessories, Fashion
High-velocity categories with strong repeat buyers tend to see ROI within 1–2 months of stocking.
Featured Spot
Great position. Strong steady sales.
Tier

Mid-store featured position near the highest-demand sections of the shop. Customers actively browsing will discover your products organically. This tier offers excellent sales consistency — reliably profitable month after month.

  • Mid-store, high-traffic zone placement
  • Positioned next to complementary products
  • Steady daily discovery by active shoppers
  • Included in weekly product highlights
💰 Est. Monthly Sales
KES 12,000 – 30,000/mo
Best for: Home Goods, Fashion, Beddings, Food Products, Accessories
A well-stocked featured spot typically becomes profitable within 2–3 months, with growing momentum each month.
Standard Spot
Solid entry point. Affordable & profitable.
Tier

Side or back position — ideal for sellers starting out or those with unique, niche, or specialty products that customers specifically seek out. Full-store browsers always reach these spots, and specialty items often attract loyal, repeat buyers who come back just for your product.

  • Side or back position in store
  • Lowest cost to enter and test the market
  • Perfect for niche, unique, or specialty items
  • Full-store browsers always reach these spots
💰 Est. Monthly Sales
KES 5,000 – 15,000/mo
Best for: Crafts, Local Produce, Specialty Foods, Gifts, Unique Products
Lower upfront cost means faster breakeven. Many standard spot sellers recoup deposit within 3 months.
Showcase Spot
Display-style. Premium perceived value.
Tier

A dedicated display area or glass cabinet reserved for high-value or premium products. Showcase spots are visually prominent, secure, and create a 'premium product' feel that elevates perceived value — and justifies higher price points. Customers associate showcase products with quality and authenticity.

  • Glass cabinet or dedicated display area
  • Premium visual presentation and security
  • Elevates perceived value of your products
  • Ideal for high-ticket or fragile items
💰 Est. Monthly Sales
KES 20,000 – 50,000/mo
Best for: Jewellery, Watches, Branded Goods, Electronics Accessories, Luxury Items
High-value items require fewer units sold to hit profitability. Showcase spot sellers often close KES 3,000–10,000 transactions in a single sale.

Pricing above is set by the WholeMatt admin and may vary by town. Select a town above to view location-specific rates, or apply to get a confirmed quote.

Revenue Sharing

How profits are shared

Every sale's profit is pooled and split fairly among all locked members based on how many slots they hold — so everyone earns from the whole store's success, not just their own shelf.

1. Payout amount

For each item sold, we first deduct KRA tax and platform commission from the selling price.

payout = selling price − KRA − commission

2. Profit per item

We then subtract the buying (restock) cost — what it costs to replace the item.

profit = payout − buying cost

3. Your share

Total network profit is divided by slot allocation. Fractional slots (0.1, 0.5, 1…) are fully supported.

your share = network profit × (your slots ÷ total slots)

Worked example

Item selling priceKES 1,000
− KRA (16%)KES 160
− Commission (20%)KES 200
= Payout amountKES 640
− Buying cost (restock)KES 500
= ProfitKES 140

If total network slots = 10 and you hold 1 slot:

your share = 140 × (1 ÷ 10) = KES 14.00

If you held 0.5 slots:

your share = 140 × (0.5 ÷ 10) = KES 7.00

The more slots you hold, the larger your share — and every locked member earns from every sale across the network.

Commission and KRA rates are set by the admin in Platform Settings and apply to every unified sale. Only approved sales count toward the profit pool, and a seller must have locked at least one slot to participate.

Why WholeMatt

Not just a shop — a retail infrastructure

WholeMatt eliminates the biggest pain points of retail and replaces them with shared resources, smart technology, and scalable growth.

Zero Store Management Stress

WholeMatt handles rent, staff, security, and operations. You focus purely on your products.

Built-In Customer Traffic

Benefit from a shared footfall. More sellers means more reasons for customers to visit the store.

Technology-Driven Operations

A modern POS, real-time dashboards, automated inventory, and M-Pesa integration — all included.

Full Financial Transparency

See every sale, every payout, every deduction. No surprises — just clean, honest numbers.

Scalable Across Kenya

Your seller account works across all WholeMatt locations as we expand town by town.

Network-Wide Profit Share

Lock a slot and earn from every approved sale across all WholeMatt stores — not just one shelf.

❌ Traditional Retail Challenges
  • Expensive individual shop rent
  • Hiring and managing your own staff
  • Complex day-to-day store operations
  • Limited customer reach on your own
  • Manual tracking and paper receipts
  • No tech infrastructure or dashboards
✅ The WholeMatt Advantage
  • Shared prime location at a fraction of the cost
  • Professional attendants already on the floor
  • WholeMatt manages all daily operations
  • Shared customer footfall benefits everyone
  • Automated POS, receipts, and reporting
  • Full digital dashboard and M-Pesa integration
The Bigger Vision

Shaping the future of retail — locally and beyond

WholeMatt is becoming a connected retail network where small businesses grow faster, customers enjoy better shopping experiences, and stores operate more efficiently — across every town in Kenya.

Multiple Towns
and growing across Kenya
One Platform
powering every branch
Every Seller
gets full digital infrastructure
Ready to Join?

Lock your slot today

Join the Unified System, lock your slot, and start earning a share of profit from every sale across the WholeMatt network — with the full power of the platform behind you.

No hidden fees. Clear terms. Cancel before activation with full deposit refund.