Flow B: Instant Issue and Pay (prepaid)

One call registers the client, prices the risk, creates the policy and initiates the premium collection. Nothing needs to exist beforehand except the product, and no quotation is ever shown to the customer — use it for high-volume selling through USSD, an app checkout, or an agent tool.

Your API key

Set it once and every Try it out below is authenticated. It stays in this browser's local storage and is never sent anywhere but the API.

Issue and pay in one call

Create, issue and pay in one call

Reference →

POST/policies/motor/instant/issue/pay

Playground

Authorization

BearerAuth

Body

• Mobile money — set payment.mobileMoneyAccountNumber. The payer approves on their handset.
• Card — set payment.cardDetails. The response carries a redirectUrl for the 3DS step.
• reference — required. Your own unique transaction reference, used for reconciliation and to poll the payment.
• duration — interpreted by the product's durationType.

Poll until it settles

Check payment status

Reference →

GET/payments/transactions/{reference}/status

Playground

Authorization

BearerAuth

Variables

Key

Value

reference*

One call, not instant settlement

The response comes back Pending: mobile money settles by callback after the payer approves. Wait for Success — or handle the webhook — before you treat the sale as complete.

To skip the gateway entirely, see flow D.

Next: Policies and documents.