The platform · Instly Pay
Cashless at point of care. Fraud-controlled.
A member declares a treatment. A prepaid card loads with exactly the right amount, scoped to that treatment, expiring in 24 hours. No upfront out-of-pocket. No pay-and-wait reimbursement.
Best for: TPAs, insurers and self-insured corporates
Instly Pay
Today members front the cost and wait weeks. Or insurers settle by transfer with delays and failed payments.
For the payer, the problem is control: money goes out before eligibility is confirmed, fraud is hard to detect, and reconciliation is manual.
Instly Pay makes it cashless at point of care while keeping the payer's money completely controlled.
Six steps. Fully controlled.
01 · Member declares treatment
Category, specialty, who it's for. Takes 30 seconds on the app.
02 · Eligibility check
Is it covered? What's the limit? How much has already been used? What's the member's cost-share?
03 · Engine computes the load
Benefit minus member share, against the running balance for that benefit and period. Never over-loads.
04 · Card loaded instantly
Eligibility confirmed, card loaded in seconds. No waiting. No pre-funding. Money moves only when treatment is approved.
05 · 24-hour scoped authorisation
Merchant and MCC controls — card can only be spent on the declared treatment type. Expires in 24 hours.
06 · Settle and reconcile
Every load and spend stamped with member, treatment, policy, co-pay. Full audit trail, automatic.
The benefit-rules engine is the product.
Payments platforms can load whatever they're told. They can't adjudicate. Insurance people can adjudicate. They can't ship software.
Instly does both.
The engine tracks running balances per member, per benefit, per period. Limits deplete correctly — 10 GP visits per year, 3 used, card loads for 7 maximum. That state-tracking is the difference between a demo and a product.
Who it's for.
TPAs
Reduce manual adjudication, eliminate failed payments, cut claim processing time from days to seconds.
Insurers
Full control over every payment — eligibility confirmed before money moves, fraud window closed to 24 hours.
Self-insured corporates
Benefits budget spent only on eligible treatments. Full reconciliation. No surprises at month end.
EU PSD2 compliant · Rides card issuer EMI licence · Program distributor model · No e-money licence required by Instly
Get early access to Instly Pay.
Instly Pay is in development. If you're a TPA, insurer or self-insured corporate interested in cashless claims settlement — we'd like to hear from you early.