Payment Process

How will customers pay for their policy premium?

Single Payment

Most XCover partners operate their own shopping cart, checkout, and payment collection processes. From a customer experience perspective, a single itemised purchase transaction is preferable (for example a travel booking along with the insurance policy).

Please refer to the Single Payment page for more information.

Dual Payment

In rare circumstances, Partners and XCover may agree to operate a dual payment integration approach. This results in two transactions against the same payment method of the user in quick succession. The merchant of record for the product/service remains the Partner, and the merchant of record for Insurance remains XCover. If this is your preferred integration method, please speak to your Partnerships manager or Client Solutions Engineer.

Please refer to the Dual Payment page for details on implementing this workflow.

Split Payment

In some circumstances, Partners may choose to integrate split payments (by using an approved payment provider) to split the transaction after payment collection, ie. One payment, two merchants (Partner and XCover), and two settlements (Partner and XCover). If this is your preferred integration method, please speak to your Partnerships manager or Client Solutions Engineer.