M-Pesa premium collection, receipts & reconciliation
STK-push premium collection, installment schedules, receipts, refunds, claim payouts and reconciliation — with failed-payment recovery built in.
Premiums collected — intelligence chases the money so your team doesn't.
Measured against your baseline. You pay on the delta — not licenses, seats or hours.
Pilot as a collections layer only: send STK pushes and reconcile against policy numbers from any system.
Every pilot ships with deterministic stub integrations — KRA, M-Pesa,
WhatsApp — so you can prove the outcome before a single real credential is issued. Swap
drivers in .env when you go live.
Inside CoverOS this capability shares one customer model, one event bus and one intelligence layer with everything else — quotes trigger communications, payments drive renewals, claims feed learning. One baseline, compounding deltas.
Outcome: Customers onboarded, served and paying — without a portal login or agent visit.
Outcome: Onboarding in seconds: verified KRA PIN and national ID at API speed.
Outcome: A book of business your team actually acts on — more renewals, fewer lost customers.