Real-time statuses
Initiated, pending, confirmed, rejected, cancelled, refunded — every status is traced and usable by the business.
Digital payments & collections
Connect premiums and premium notices to digital payments.
Surelia Assurance links billing, collections and digital journeys to the payment methods used in your markets: mobile money, card payment, payment links, wallets or partner gateways, depending on the countries and providers selected.
Payments built into the insurance journey
A payment connected to the business journey.
Payment is not an isolated screen. It must be connected to the quote, the policy, the premium notice, the receipt, the collection status, the network and the reporting. Surelia structures that link to make digital journeys and operational tracking reliable.
- Quote → payment · complete a policy purchase in a single journey
- Premium notice → collection · automatic status tracking
- Receipt & documents · automatic generation of supporting documents
- Network reporting · consolidated view by intermediary and channel
Statuses and reconciliation
Track every step of the payment.
Surelia lets you track payment statuses, confirmations, rejections, cancellations, reconciliations, receipts and their impact on premium notices or policies, according to the integrations you have enabled.
Important note
Surelia does not replace payment providers. The platform interfaces with the banks, PSPs, aggregators, mobile money operators or gateways the insurer has chosen.
Payment methods
Connect the payment methods that suit your markets.
Depending on the CIMA country and your partners, Surelia interfaces with several digital and traditional payment channels.
Mobile money
Payment through mobile operators or aggregators depending on the country — Orange Money, MTN MoMo, Moov Money, Wave and others.
Mobile
Card payment
Payment through a gateway or banking partner — Visa, Mastercard, GIM-UEMOA depending on the acquirers available.
Card
Payment link
A link sent to the customer to pay a premium or premium notice — by SMS, email or messaging app.
Link
Wallets
Connection to digital wallets where partners are available in the country.
Wallet
Branch / network payment
Tracking of collections through intermediaries or physical points, with bordereau reconciliation.
Network
Payment cycle
From payment initiated to premium notice settled.
Every payment follows a clear cycle, traceable and reconcilable with its originating premium notice.
01
Initiated
Link or journey created, idempotent identifier.
02
Awaiting PSP
Sent to the provider, awaiting response.
03
Confirmed / Rejected
PSP callback processed, status consolidated.
04
Receipt
Receipt generated, document archived.
05
Premium notice settled
Allocation done, premium notice status updated.
06
Reporting
Reconciliation and technical accounting.
Idempotency & control
Prevent duplicate payments, make PSP responses reliable.
Idempotency is a cornerstone: the same payment identifier, however many times it is replayed, always produces the same result. PSP callbacks are traced, and cancellations and refunds follow their own cycle.
- Idempotency · avoid duplicate payments on retry
- PSP callbacks · receipt, verification, traceability
- Voidances · its own cycle where enabled on the PSP
- Refunds · its own cycle, finance traceability
A note on payment brands
Mobile money operators and local aggregators vary by country: Orange Money, MTN MoMo, Moov Money, Wave or other partners enabled by the insurer. Surelia interfaces with the PSPs you select; it does not replace them.
Premium notice ↔ receipt ↔ collection link
A Surelia payment is always attached to an originating premium notice. The receipt follows. The collection aligns. Technical accounting reflects the transaction.
Front / back link
A payment consolidated with the insurance back office.
Operational reconciliation
Digital payments are reconciled against premium notices, policies and technical accounting flows.
Payment reporting
Digital share, rejections by channel, pending payments and amounts collected, consolidated by period.
Next step
Evaluate payment journeys with Surelia.
Let's talk about your markets, your payment partners and your target digital journeys.