Premium collections
Collect via mobile money or bank, on demand or on a recurring schedule, with automatic retries when a debit fails.
Insurance workflows
Premium in. Claims out. Commissions settled. All against the policy number.
Payme is built for insurers, brokers, agents and MGAs — digital and offline channels alike — so the money your policy system expects is the money that actually lands, on the day it is needed.
- Mobile money and bank rails in Ghana
- Every movement carries a policy or claim reference
- Approvals before any bulk release
How the money moves
- 01
Collect the premium by mobile money, bank transfer or a standing debit.
- 02
Match it to the policy number the moment it is credited.
- 03
Settle net funds into the insurer's own account.
- 04
Run broker and agent commissions in one approved batch.
- 05
Disburse the approved claim to the claimant, same day.
Claims disbursement
Pay a claimant to a mobile wallet or bank account the same day, with the settlement status visible to your claims team.
Commission runs
Pay brokers and agents in bulk from a CSV, scheduled or on approval, with a per-transfer status trail.
Reconciliation and bordereaux
Every collection and payout carries a policy or reference number, so bordereaux and ledger entries match without spreadsheets.
Float and premium-trust visibility
See available, reserved and incoming funds across operating accounts before you commit a disbursement.
Partner and MGA flows
Give delegated partners their own portal view and API keys while you keep oversight of every movement.
Bring your premium, claims and commission flows onto one reconciled rail.
Tell us about your book, your channels and your policy system. Access is reviewed before it is granted, and we set up your workspace after review.