Use Case 3: Recurring payments

Problem

Automate the collection of monthly recurring premium

Insurers need to automatically collect monthly premiums from their customers across any payment method. This enables them to take the responsibility off customers and to avoid the administrative efforts of issuing invoices and tracking down late/non-payments. However, in order to do so, they require the flexibility to connect to multiple payment providers and methods. Single integrations to PSPs are complex, expensive, time-consuming and resource-draining, making it difficult for insurers to innovate.

Solution

The Imburse platform acts as your single access point to the payments ecosystem. Imburse does all the payment integration heavy-lifting, so you can access all relevant payment providers and methods to process recurring payments. Our platform is easily integrated with core insurance IT systems to seamlessly interoperate with existing billing processes. By integrating with Imburse your organization can automate the day-to-day operations of processing recurring payments.

Prerequisites

• Tenant Portal Access
• Valid API Keys
• Marketplace APP Installed and configured with relevant credentials
• Payout Scheme Created and configured
• Financial Instrument created

Supported Apps

• Citi
• BottomLine
• GoCardless
• Stripe
• BrainTree
• Checkout.com
• GlobalPayment
• SaferPay
• Westpac

Description

Step 1: Authenticate

The first step to using Imburse API is to authenticate yourself by generating an Access Token.

Step 2: Create Order and Instruction

1. After successfully generating your Access Token, the remaining Imburse APIs are now available for use.
2. To perfom a recurring Card Payments, the next step is to create an order and instruction/s, setting the payment intention and related information such as the amount and the SchemeID (which is fetched from the Tenant Portal, after creating the Scheme).
3. When creating the instruction a Financial Instrument Id financialInstrumentId, created previously needs to be used in order to create a recurring payment. This Financial Instrument Id could be related to a Card or a Direct Debit Mandate.

Request example:

{
    "orderRef": "order_Payout_01",
    "instructions": [
        {
            "instructionRef": "PAYMENT-01", 
            "customerRef": "customer_01",
            "direction": "DEBIT",
            "financialInstrumentId": "9cb4aab7-5cbe-012c-c345-00c118e66696", 
            "amount": "10.00", 
            "currency": "GBP", 
            "country": "UK",
            "schemeId": "62518C8474D3C5472DDCAF51C2136412", 
            "settledByDate": "2025-09-01",
            "metadata": {
            }
        }
    ]
}

The following table lists all properties along with their type and description: