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Money I/O - Payment & Financial Operations Platform

MONEYIO: THE SECURE FINANCIAL FLOW ORCHESTRATOR

Every Payment, Every Collection, Perfectly Orchestrated

Stop wrestling with manual reconciliations, disparate payment gateways, and fragmented cash flow. MoneyIO is the single, intelligent platform that centralizes and automates every financial transaction, from premium collections to claim payouts, with unparalleled security and real-time visibility.

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30+ Banks Connected • 99.9% Accuracy • PCI-DSS Level 1
Premiums
Core System
Reinsurance
Claims
Expenses
Database
MONEYIO
Wire Transfer
Banks
Cards • Cash
Payment Providers
Direct Debit
API Networks
General Ledger
Bank Statements
Card Statements
Cheque Vaults
Real-Time Monitoring
LIVE

Automate the Complete Direct Debit Lifecycle

From mandate management to collections and payouts, orchestrate every step.

Handle recurring premium collections and high-volume payouts with confidence. MoneyIO manages the entire direct debit process, from initial mandate setup to automated retries and reconciliation, ensuring predictable cash flow and operational efficiency.

Automated Mandate Management

SEPA-compliant mandate creation, validation, and lifecycle management

Scheduled & Ad-Hoc Collections

Flexible scheduling with automatic retry logic and fallback options

Proactive Failure Notifications

Real-time alerts for failed payments with automatic customer notification

Smart Retry Logic

Intelligent retry patterns based on failure reasons and customer behavior

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Mandate
Schedule
Collect
Reconcile

Real-Time Status

Successful2,847
Pending123
Failed12
Retrying3
•••• •••• •••• 4532
Card Holder
John Doe

Intelligence Engine

Detecting failure...
Analyzing options...
Selecting fallback...
Processing payment...
Notifying customer...

Maximize Success with Intelligent Card Payments

Go beyond simple transactions with a smart, resilient card processing engine.

Whether it's a one-time payment or a recurring subscription, MoneyIO ensures your card transactions succeed. Our platform is integrated with over 30+ payment service providers, including PayPal, and features smart logic to handle the complexities of card payments automatically.

Multi-Gateway Integration

Seamlessly switch between 30+ payment providers for optimal success rates

Automated Retries & Dunning

Intelligent retry patterns with integrated customer communication

Smart Fallback Logic

Automatically try secondary cards when primary payment fails

PCI-DSS Level 1 Compliance

Bank-grade security with full tokenization and encryption

Digitize and Control Your Entire Cheque Workflow

From post-dated cheques to high-volume payouts, manage everything in one place.

Bring modern efficiency and control to traditional cheque payments. MoneyIO provides a complete digital register for all incoming and outgoing cheques, automating reminders, clearing processes, and reconciliation.

Post-Dated Cheque Register

Complete digital registry with automatic maturity tracking

Automated Maturity Alerts

Proactive reminders for cheque deposits and clearances

Bulk Cheque Printing & Dispatch

Automated cheque generation and printing for mass payouts

Blacklist & Fraud Controls

Real-time fraud detection with automatic blacklist checking

No. 000123
Date:15/12/2024
Pay to:ACME Insurance Co.
Amount:$5,432.10

Reconcile Thousands of Transactions in Seconds

Eliminate the most time-consuming task in your finance department. Our AI-powered engine automatically ingests bank statements and matches thousands of transactions against receivables in your Core System, achieving up to 99.9% accuracy and reducing manual reconciliation effort to near zero.

Bank Statements523 transactions
TXN-1234$317.8908/04
TXN-2468$635.7815/07
TXN-3702$953.6722/10
TXN-4936$1,271.5601/01
TXN-6170$1,589.4508/04
TXN-7404$1,907.3415/07
TXN-8638$2,225.2322/10
TXN-9872$2,543.1201/01
TXN-1107$2,861.0108/04
TXN-2341$3,178.915/07
TXN-3575$3,496.7922/10
TXN-4809$3,814.6801/01
TXN-6043$4,132.5708/04
TXN-7277$4,450.4615/07
TXN-8511$4,768.3522/10
TXN-9745$5,086.2401/01
TXN-0980$5,404.1308/04
TXN-2214$5,722.0215/07
TXN-3448$6,039.9122/10
TXN-4682$6,357.801/01
System Receivables518 receivables
REC-5678$6,675.6908/04
REC-1357$6,993.5815/07
REC-7035$7,311.4722/10
REC-2714$7,629.3601/01
REC-8392$7,947.2508/04
REC-4071$8,265.1415/07
REC-9749$8,583.0322/10
REC-5428$8,900.9201/01
REC-1107$9,218.8108/04
REC-6785$9,536.715/07
REC-2464$9,854.5922/10
REC-8142$173.4801/01
REC-3821$491.3708/04
REC-9499$809.2615/07
REC-5178$1,127.1522/10
REC-0857$1,445.0401/01
REC-6535$1,762.9308/04
REC-2214$2,080.8215/07
REC-7892$2,398.7122/10
REC-3571$2,716.601/01

AI Matching Engine

Processing at scale with 99.9% accuracy

0
trans/sec
Matched
0
Exceptions
12
Accuracy
99.9%
Exception Handling
12 items
Date mismatch: TXN-8432 vs REC-9821
Amount variance: $1,250.00 vs $1,249.50
Missing reference: Bank ref #7823

Proactive Dunning, Smarter Collections

Prevention over collection - reduce arrears before they become problems

MoneyIO works in tandem with the CJTM and CCM. When a payment is missed, it automatically triggers a pre-defined dunning workflow, sending a series of intelligent, personalized reminders to the customer and escalating if necessary—all while keeping your finance and business teams informed.

Seamlessly integrated with CJTM for workflow automation and CCM for personalized customer communication across all channels.

Behavioral Trigger Detection

AI identifies payment patterns and risk indicators early

Multi-Channel Communication

Coordinated outreach via SMS, email, app, and voice

Automated Escalation Workflows

Progressive escalation based on customer segment and history

Real-Time Analytics

Track recovery rates and optimize dunning strategies

Dunning Timeline
Policy #POL-2024-8432

Payment Missed

Day 0 - Payment Due

Alert

Premium payment of $450 was due today. Automatic dunning workflow initiated.

Gentle Reminder Sent

Day 3 - Gentle Reminder

Sent

SMS reminder sent to customer's registered mobile number.

Formal Notice

Day 7 - Formal Notice

Delivered

Email notification sent with payment link and policy status warning.

Escalation to Collections

Day 14 - Collections Team

Assigned

Task created for collections team with full customer history and AI recommendations.

Performance Metrics

87%
Recovery Rate
3.2
Avg Days
92%
Success Rate

One Platform for Every Financial Transaction

MoneyIO is the single source of truth for every monetary movement across your organization

Premium Collections

Automate recurring and one-time premium collections across all payment channels

Monthly Volume$12M+

Claims Payouts

Orchestrate complex claim settlements to customers, providers, and repair shops

Avg Settlement48hr

Commission Distribution

Automated commission calculations and payments to agents and brokers

Agents Paid5,000+

Refund Processing

Instant refund processing with automatic reconciliation and customer notification

Accuracy Rate99.9%
All features include real-time reporting, full audit trails, and seamless integration with your core systems

The Natively Integrated Heart of Your Financial Operations

MoneyIO doesn't work in a silo. It acts as the central financial engine, powered by real-time data from your Core System and intelligently orchestrating actions across the entire Beaksurance Suite.

Beakwise

MoneyIO

Financial Orchestration Hub

Core System Integration

MoneyIO is natively integrated with your Core System. It pulls real-time policy, premium, and claims data, so it always knows precisely what to collect, what to pay, and to whom.

Customer Data Platform (CDP)

Every transaction processed by MoneyIO is instantly logged in the CDP, creating a complete, 360-degree financial history for every customer. This unified view powers smarter analytics and personalization.

Customer Journey Manager (CJTM)

MoneyIO triggers intelligent workflows in the CJTM. A missed payment can automatically initiate a dunning process, while a processed claim payout can trigger the next step in a settlement workflow.

Communications Manager (CCM)

Every financial event in MoneyIO triggers a communication via the CCM. From payment confirmations and receipts to dunning reminders, your customers and partners are always kept informed.

Explore Our Full Product Ecosystem

Discover how our integrated solutions work together to transform your operations.

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The Beaksurance® Suite

Our flagship intelligent insurance ecosystem.

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The Core Engine (INSIS)

The foundation of modern insurance operations.

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Enterprise extensions for analytics and governance.

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Digital Experience Channels

White-label portals and mobile apps for customers and partners.

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Ready to Transform Your Financial Operations?

Join leading insurers who have automated their entire payment ecosystem with MoneyIO.

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99.9% Reconciliation Accuracy
40+ Bank Integrations
PCI-DSS Level 1 Compliant