Trusted Payments for Everyday South Africans
What Pay@ Adds to Premium Collection Options
POL360 and Pay@ work together to give you broader payment access, real-time payment feedback and a more connected view of premium collection.
The best collections strategy is not built around a single payment method. It is built around the way your members actually prefer to pay.
In many funeral and life insurance books, payment behaviour is mixed. Some members prefer debit orders or EFT. Others rely on retail, cash, card, mobile or digital payment options. The challenge for administrators is not simply offering more channels. It is making those channels work as part of one controlled administration process.
That is where the POL360 and Pay@ integration becomes useful.
Why Pay@ can add value to a mixed payment strategy
Pay@ provides access to a broad physical and digital payment network through a single integration, including retail, banking and digital channels. Its integrated solution supports payment options such as cash, card, EFT and mobile money, and can provide real-time validation and payment notifications back to the biller.
For policy administrators, this means Pay@ can complement existing collection methods rather than replace them.
Members who are comfortable with debit orders can continue using them. Members who prefer EFT can use EFT. And members who need an in-store or alternative digital option have another practical way to keep up with premiums.
Where POL360 fits in
POL360 manages the policy administration around the payment itself: member records, premium status, arrears rules, lapses, communication and the wider policy workflow.
When Pay@ is used as one of the available collection options, payment activity can feed into that broader administration process instead of sitting as a disconnected transaction.
That combination can help administrators:
- Offer more ways to pay: Give different member groups access to payment channels that better match their circumstances.
- Receive faster payment feedback: Pay@ supports real-time validation and payment notifications through its integrated solution, helping reduce delays between payment and administration updates.
- Improve reconciliation: Pay@ is designed to consolidate payment activity across multiple channels, while POL360 keeps the outcome connected to the relevant member and policy administration process.
- Manage arrears with better context: Payment accessibility works alongside POL360’s premium status, arrears rules, reminders and follow-up workflows.
- Avoid forcing every member into one channel: A mixed strategy allows administrators to use the payment method that best fits the member profile and operating model.
Why the integration matters more than the payment option alone
Adding another way to pay is useful, but the real operational value comes from what happens after the payment is made.
If payment information still has to be checked, matched or captured manually across disconnected systems, much of the benefit is lost.
Pay@’s integrated solution is built to return payment validation and notifications to the biller, while POL360 provides the administration layer around premium status, arrears and policy servicing. Together, that creates a more connected collections workflow.
Who can benefit?
This approach is particularly relevant for:
- Administrators with diverse member demographics and payment preferences
- Funeral and life insurance books that need both physical and digital payment options
- Businesses looking to improve payment access without fragmenting administration
- Teams that want better visibility between payment activity and policy status
- Organisations trying to reduce arrears by making it easier for members to pay through the channels available to them
Better access, better administration
No payment channel on its own can solve arrears or retention challenges.
But a broader payment footprint, connected to a structured policy administration system, can remove unnecessary payment friction and give administrators better visibility over what happens next.
That is the value of using Pay@ with POL360: Pay@ expands how members can pay, while POL360 keeps the payment outcome connected to the policy administration process.
For administrators, the goal is not simply more payment options. It is a collections strategy that gives members flexibility without sacrificing operational control.
Interested? Ready to see POL360 in action?