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INSURANCE · INSURTECH

Collect premiums automatically. Pay claims in seconds.

Kushki connects policy billing and indemnification disbursement in a single system in 5 countries across Latin America.

MXCOCLPEEC
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WHY KUSHKI

The payment infrastructure your operation needs

Discover the payment challenges in the insurance sector and how we transform your operation

PROBLEM
PROBLEM

Manually collected premiums

Legacy systems and manual processes generate policy cancellations from forgotten payments not from the insured's decision.

KUSHKI SOLUTION

Scheduled subscriptions for premiums

The insured's card is tokenized on the first payment. All subsequent charges are automatic with a subscription ID per policy without manual intervention or cancellation risk.

PROBLEM
PROBLEM

Claims that erode trust

Paying indemnifications late or through cumbersome processes is the main source of complaints and loss of trust in the insurer.

KUSHKI SOLUTION

Claims disbursement across multiple channels

Transfer Out to bank account, Card Out to Visa/Mastercard or Cash Out at cash points. One single API for all three claim payment channels.

PROBLEM
PROBLEM

Fraud in collections and claims

Transactions with stolen cards and fraudulent claims directly affect profitability and relationships with card networks.

KUSHKI SOLUTION

SiftScience anti‑fraud in real time

Artificial intelligence engine that evaluates the risk of each transaction. Detection without additional friction for insured parties in low‑risk transactions.

PROBLEM
PROBLEM

Fragmented regional expansion

Operating in several LATAM countries forces you to repeat payment integrations, bank contracts and compliance processes for each market.

KUSHKI SOLUTION

Webhooks for every billing event

Instant notifications when a premium is collected, a payment fails or a claim is disbursed. Complete traceability per policy from the first transaction.

IMPACT

What changes when you automate billing and disbursements

99.99%

Platform uptime guaranteed availability for billing and disbursements

Fewer cancellations from forgotten payments

Automatic debit with smart retries recovers failed premiums before the insured cancels the policy.

Refunds as a competitive advantage

Fast claims payment by transfer, card or cash becomes a differentiator against slower competitors.

FOR YOUR MODEL

Which describes your operation?

Traditional Insurers

Digitize policy billing and accelerate claims payment across all your products.

  • Automatic debit for life, auto and health premiums
  • Indemnification disbursement to bank account, card or cash
  • Automated reconciliation by policy, line of business and distribution channel
  • Integration with legacy systems via API without replacing existing infrastructure

InsurTech

Launch digital insurance products and scale across LATAM without multiplying integrations per country.

  • Mobile‑optimized checkout for first subscription
  • Flexible subscriptions: scheduled or on‑demand depending on the product
  • Coverage in 5 countries from a single technical integration
  • Webhooks to automate activation, renewal and cancellation on your platform

Brokers and Digital Distributors

Automate commissions, reconcile by policy and offer multiple payment methods to your clients.

  • Automatic commission payouts to brokers and agents
  • Smartlinks for quotes and renewals without additional technical integration
  • Consolidated reporting by broker, product and country
  • Standardized onboarding: from weeks to days

FOR YOUR MODEL

Which describes your operation?

Traditional Insurers

Digitize policy billing and accelerate claims payment across all your products.

  • Automatic debit for life, auto and health premiums
  • Indemnification disbursement to bank account, card or cash
  • Automated reconciliation by policy, line of business and distribution channel
  • Integration with legacy systems via API without replacing existing infrastructure

COVERAGE

Collect premiums and pay claims in every market

Pay‑in Premium collection

One‑Click for automatic renewals without re‑entering data

Credit and debit cards (Visa, Mastercard, local debit)

Local bank transfers

Apple Pay

Cash payments

Pay‑out Claims payment

Transfer Out to local bank accounts

Card Out to Visa/Mastercard cards (PE)

Cash Out at 200,000+ points across LATAM

Mass disbursement to multiple beneficiaries

ONE CONSOLE

Management, reconciliation and security from one place

Management

Single dashboard for billing and disbursements across all countries
Automated reconciliation by policy, line of business and distribution channel
Flexible APIs compatible with legacy systems, ERPs and insurance management platforms

Security

SiftScience anti‑fraud with real‑time transaction monitoring
3DS 2.2 authentication for high‑risk billing and disbursements
PCI DSS Level 1 and ISO 27001 compliance

WHO IT'S FOR

Built for insurers and insurtechs in Latin America

Life, auto and health insurers
InsurTechs with digital insurance products
Insurance brokers and digital distributors
Policy management platforms

Frequently asked questions

Yes. Kushki manages both sides of an insurer's financial flow: it collects premiums via automatic debit and disburses claims by bank transfer, card, or cash all from a single platform across 5 countries.

The policyholder enters their card details once. Kushki tokenizes the credentials and executes recurring charges automatically according to the configured schedule. Each charge generates a real‑time webhook with its result.

Through the Disbursements API, Kushki supports three channels: Transfer Out (bank transfer in MX, CO, and PE), Card Out (direct disbursement to Visa/Mastercard in PE), and Cash Out (cash withdrawal voucher in CO). Our sales team can advise on availability by country.

Kushki integrates SiftScience, an AI‑powered anti‑fraud engine that evaluates each transaction in real time and assigns a risk score. High‑risk transactions trigger 3DS 2.2 authentication compatible with Visa and Mastercard. Low‑risk transactions flow through without additional friction for the policyholder.

Collect premiums without friction. Pay claims quickly.

Automate recurring policy billing and accelerate indemnification disbursement in all 5 Latin American countries from a single integration.

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