Use Cases How It Works FAQ
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Curacel Pay

Your Money already Moves.
Your systems just cannot see it.

Across Africa, financial operations still run across spreadsheets, bank portals, fragmented tools, and follow-up calls. Curacel Pay is AI infrastructure for financial services — automating payouts, smart collections, and reconciliation across the money movement lifecycle.

$40M+ processed. 95% payout success. Live in under 48 hours.

Claims Payouts Premium Collections Cross-border FX
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See It In Action

Hear From Our Partners

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Trusted by leading African platforms
Paystack
Onafriq
Flutterwave
Moving money for insurers and businesses across Africa
$0M+
processed across Africa
0+
transactions processed
0–0%
success rate across all payment types
The Problem

Across financial services, payouts still run on spreadsheets, manual transfers, and follow-up calls.

01

Manual payouts eat your team's time

Finance teams spend hours compiling approved claims into spreadsheets, then initiating transfers one by one, for salaries, provider payouts, operations, and equipment.

  • Salary, claims, operations, and equipment all managed in separate workflows
  • Every batch requires manual review before a single transfer moves
  • Errors surface at month-end, long after the damage is done
02

Premiums fall through the cracks

Without automated reminders and smart payment links, premium collection becomes a chasing game that costs more than it recovers.

  • Payment links expire before customers can act on them
  • No centralised view of who has paid and who hasn't
  • Renewal follow-ups handled manually via calls and emails
03

Month-end closes take weeks, not hours

Matching payments to policies and claims requires manual cross-referencing across bank portals, spreadsheets, and policy systems simultaneously.

  • No automatic matching of inflows to policies or claims
  • Discrepancies surface late, delaying reporting and audits
  • Teams duplicate effort across disconnected tools every cycle
04

Nobody knows where the money is

Providers and partners are left in the dark on payout status, generating a flood of support calls, disputes, and eroded trust.

  • No real-time payout status for providers or partners
  • Settlement delays surface only after complaints roll in
  • Audit trails require manual compilation from multiple sources
Benefits

Stop chasing payments. Start automating them.

Everything finance and operations teams need to move money faster — in one dashboard.

One-click payments icon

Pay in one click

Batch-process payouts across salary, claims, operations, and equipment — all from one dashboard. No spreadsheets, no manual transfers.

Automatic premium collection icon

Collect premiums automatically

Send payment links, automate reminders, and recover more revenue with built-in dunning.

Reconciliation icon

Reconcile without the chaos

Every payment auto-matched to the right claim or policy. Discrepancies flagged instantly.

Real-time visibility icon

Real-time provider visibility

Providers track their own payment status across all insurers — free, no setup required.

Live dashboard icon

Live inside your existing dashboard

Already on Curacel Health? Activate Pay in one click. No new integration needed.

Transparent pricing icon

Transparent pricing

No subscription fees. No percentage cuts. Pay per transaction.

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Dashboard

Complete visibility, always

Curacel Pay dashboard showing payouts, transactions, and analytics
How It Works

Three steps from activation to your first automated payout.

For existing Curacel users

Activate Pay

Click "Activate Payments" in your Health or OneView dashboard. Instant sandbox access, no re-signup.

Connect and configure

Link your bank account, set up payout preferences, and configure collection templates — all guided by a setup wizard.

Test and go live

Run a test payout or collection in the sandbox. When you're ready, request go-live and get production credentials within 48 hours.

Use Cases

Three modules. One dashboard. Zero manual work.

Three modules, one dashboard. Automate payouts, collections, and reconciliation — without the manual work.

01

Payouts

Approved claims, salaries, operational expenses, and equipment payments — processed as a single batch payout. Select, review, and pay in one click, with full audit trails.

Automate your payouts →
02

Collections

Create payment links in minutes. Automate SMS and email reminders. Accept card, bank transfer, USSD, and mobile money. Track every collection in real time.

Automate collections →
03

Reconciliation

Every payout and collection auto-matched to the right claim, policy, or invoice. Discrepancies flagged the moment they appear — not at month-end.

Automate reconciliation →
Who It's For

Built for finance and operations teams managing money movement across financial services.

01 / ENTERPRISE

Banks, fintechs, insurers, lenders, and large financial institutions

Managing high-volume payouts, collections, reconciliation, provider payments, claims, repayments, commissions, and operational finance — without relying on spreadsheets, bank portals, or manual follow-ups.

02 / SMB

Growing businesses, providers, and financial service operators

Receiving, sending, or tracking payments and needing real-time visibility into what has been paid, what is pending, and what is stuck.

Already on Curacel Health?

Activate Pay in one click. Your approved claims auto-populate as payable batches — no re-upload, no duplicate work.

Activate Pay →
FAQ

Questions, answered.

Everything you need to know before activating Curacel Pay.

Existing Curacel users can activate Pay in one click and request go-live within 48 hours. New users get instant sandbox access — your first test transaction can run in under 15 minutes.
No. Pay is a standalone product. If you're already on Health or OneView, approved claims auto-populate as payable batches — but Pay works for any insurer, HMO, or financial business that needs to move money.
For collections: card, bank transfer, USSD, and mobile money. For payouts: direct bank transfer to any Nigerian account, with multi-currency expansion on the roadmap.
Pay-per-transaction pricing — no monthly subscription, no setup fee, no commitment until you go live. Talk to sales for enterprise volume pricing.
Yes. Every payout and collection auto-matches to the corresponding claim, policy, or invoice the moment it processes. Discrepancies are flagged in real time, so your team sees them the day they occur — not at month-end.
Curacel Pay is built on enterprise-grade infrastructure (AWS, GCP) with full audit trails, role-based access, and PCI DSS-compliant payment processing. Every transaction is logged and downloadable for compliance reporting.

$40M+ moved.
Ready to automate yours?

Sign up, get sandbox access, and run your first test payout in under 15 minutes.

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NO SUBSCRIPTION FEES · NO COMMITMENT UNTIL YOU GO LIVE
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