Rule engine. Payment rails. Audit trail. Insurer dashboard. All connected, all compliant, all in one API call.
Every claim instruction passes through a configurable rule engine before a single shilling moves. Global rules apply to all tenants; tenant rules are configured per insurer or TPA.
Payment amount must be greater than zero.
MSISDN must match the 254XXXXXXXXX format for M-Pesa. Bank account validated for Pesalink.
National ID required for any payment at or above the threshold.
Single B2C transaction limit enforced before submission to Daraja.
No active or confirmed payment may exist for the same claim ID. Idempotent by design.
Claims above your configured threshold are escalated for manual review regardless of risk score.
Qweli fraud risk score evaluated against your STP and escalation thresholds.
Only your configured claim types auto-settle. All others route to your review queue.
Maximum confirmed claims to the same recipient within a rolling time window.
Payments move through a strict state machine. No state can be skipped, no transition is silent — every change is written to the immutable audit log.
QwikSettle selects the rail based on recipient type. You don't need to manage this — pass us a phone number or bank account and we handle the rest.
Business-to-customer payments via Safaricom's Daraja API. Fastest route for most claimants — money arrives within seconds of confirmation.
Interbank transfers for larger claims or claimants without M-Pesa. Supports all Kenyan commercial banks via the Kenya Bankers Association network.
Electronic funds transfer for standard bulk settlements. Suitable for high-volume, lower-urgency claim batches.
Real-time gross settlement for large-value claims. Guaranteed finality — used for motor and property claims above Pesalink limits.
Every insurer and TPA gets a dedicated dashboard. Live STP rate, settlement volume, escalation queue, and IRA export — all in one place.
QwikSettle is a technology vendor, not a payment service provider. We hold no float and take no settlement risk.
Every payment event — rule evaluation, status transition, actor, timestamp — is written to an immutable ledger. CSV export for any date range.
bcrypt-hashed API keys, shown only at creation. Scope-limited to read and write. Keys can be rotated with a 15-minute grace period.
Every webhook payload is signed with your webhook secret using HMAC-SHA256. Verify the signature header before processing.
All payment records retained for a minimum of 7 years per CBK requirements. Records are court-admissible and tamper-evident.
Book a 30-minute demo and watch a claim go from instruction to M-Pesa confirmation — live.