Solution
Premiums in.
Claims paid instantly.
Reconciled automatically.
Embed accounts and payment rails into your insurance platform — collect premiums against dedicated IBANs, pay claims in seconds, and keep client money segregated and evidenced.
Book a callThe challenge
What this sector deals with today.
Insurance platforms, MGAs and brokers move money constantly: premiums in from policyholders, commission retained, claims paid out — often across many underwriters and many policies at once. Client money has to be handled and evidenced to a high standard, and a single mismatched premium can create a reconciliation and compliance headache.
Without purpose-built infrastructure, premiums arrive into a pooled account and have to be matched by hand, claims are paid through slow manual transfers, and the cost of client-money compliance falls on the team rather than the platform.
SEPA Instant · Pay-out
Pay claims in seconds, not days.
Approve a claim and pay the claimant over SEPA Instant — or issue a virtual card where you hold no account details.
SEPA Instant payouts — claimants paid in real time
Card-based option — issue a virtual card where no IBAN is held
Individually authorised — each payout approved and logged
Tracked to settlement — full status on every claim payment
Claim payment
Claim reference
#5521
Claimant
M. O'Brien
Amount
€1,200.00
Rail
SEPA Instant
Settled
Funds reached claimant in seconds · audit trail created
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Account hierarchy · Accounts
Premiums, commission and claims, kept apart.
Hold premium funds, commission and claims reserves in segregated accounts under one programme, reconciled and accountable.
Segregated client money — premium and claims funds kept apart from operating funds
Commission at source — your share routed automatically
Per-underwriter structure — model accounts by underwriter or scheme
Consolidated view — total position drillable to any policy
Programme accounts
Segregated ✓Premium account
Client money€84,000
Claims reserve
Claims€22,000
Commission
Operating€6,500
Consolidated view · drillable to any policy
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Onboarding · AML · Compliance
Policyholders and partners, onboarded and monitored.
Onboard policyholders and intermediaries with automated checks and monitor activity continuously.
Automated ID&V and KYB — individuals and entities verified
Screening — sanctions and PEP, ongoing
Monitoring — every movement checked against your rules
Evidence — logged for audit and regulatory review
Party onboarding
Party
ID&V
KYB
Status
T. Murphy (Policyholder)
✓—ActiveOak MGA Ltd (Partner)
—✓ActiveR. Kelly (Policyholder)
——Link sentAll checks logged · screening ongoing · evidence per party
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Premiums reconciled at source
Each premium maps to its policy automatically — no manual matching, no end-of-month sweep.
Claims paid in seconds
Instant payouts over SEPA Instant or by card — approved and settled without a manual transfer.
Client money evidenced
Segregated, reconciled daily and provable — for regulators, auditors and your own governance.
Finished, not building blocks.
This workflow arrives pre-configured and ready to run. The IBANs, split rules, account hierarchy, onboarding flows and compliance controls are all in place — not a kit to assemble, but a finished proposition you deploy.
IBAN per policy
Premiums self-reconcile on arrival
Instant claim payouts
SEPA Instant or card
Segregated client money
Premium, claims and commission kept apart
Commission routed at source
Your share automatic
Onboarding built in
Policyholders and partners verified
Compliance live at launch
Monitoring and audit trail active
Compliance & evidence
Every capability in this solution runs under governed, audit-ready controls.
Payscape operates Control Cloud — our own governed compliance environment. We author, version-control, test and deploy every compliance rule ourselves; the configuration is never outsourced. Every account event, IBAN assignment, transfer and transaction is recorded with its compliance context — screening status, monitoring outcome and the version of the rule Payscape applied — so you can show your working to a regulator, auditor or investor at any point.
Payscape version-controls every rule — every change reviewed, approved and deployed by us
Audit trail per event — not just the transaction but the compliance decision
Safeguarding reconciled daily — client funds matched and confirmed automatically
Reporting out of the box — pre-built statements and extracts in standard formats
Customer monitoring
LiveCustomer
Screening
Risk
Acme Ltd
Clear
Jane Cooper
Clear
Sample Property Co
Review
Example Trading Ltd
Clear
Last refreshed: just now
4 customers · 1 under review
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Access
Two ways to work with Payscape.
Build on the APIs
Embed accounts, IBANs and payments directly into your own product. REST APIs, full sandbox, webhooks for every event — your users stay in your interface throughout.
Read the developer docsOperate from the portal
Run the whole programme from the Control Cloud portal — open accounts, send onboarding links, approve transfers and see consolidated balances across your entire book. No code required.
Request a demoFAQ
Common questions.
A dedicated virtual IBAN per policy or policyholder means each premium maps to the right policy the moment it arrives, with no manual matching.
Approved claims can be paid over SEPA Instant in real time, or by an instantly issued virtual card where no account details are held.
Yes. Premium funds, claims reserves and commission are held in segregated accounts, reconciled daily and evidenced.
Our licensed EMI partners; Payscape provides the platform, workflow and programme management.
Open a new revenue line,
built for your industry.
Talk to our team. We'll help you understand what's possible, what it takes to go live, and how to structure a programme that works for your business.