Controls and approvals
Bulk payouts are prepared, reviewed and released as a batch, so no single person moves money unchecked.
The platform
Controls an insurer's finance, operations and IT teams can sign off on.
Moving premium and claims money is a controlled process, not a button. Payme separates who prepares a payment from who releases it, records every step, and keeps each organisation's funds and data on their own side of the wall.
- Maker-checker on every bulk release
- Exportable audit trail
- Test and live keys kept apart
How the money moves
- 01
A manager prepares the premium collection or payout run.
- 02
A workspace admin reviews the totals and recipients.
- 03
Release happens only on approval, never by the submitter.
- 04
Funds settle to the organisation's own registered bank account.
- 05
Every action is written to an exportable audit trail.
Audit trail
Sign-ins, key usage, collections, payouts and admin decisions are recorded with who, what and when, and exportable to CSV.
Role separation
Access is granted per organisation and per person, and an administrator can suspend an account instantly.
Sandbox and live keys
Test keys simulate collections and payouts without moving money; live keys are issued separately and shown once.
Rate limits and stability
Each API key is limited to 120 requests a minute, with clear limit headers so integrations degrade predictably.
Data handling
Client data is isolated per organisation at the database level, credentials are stored hashed, and keys can be revoked at any time.
Ready for your risk and IT review.
We will walk your teams through controls, data handling, key management and settlement timing before anything goes live.