SchemeServe integrates with Opayo to allow policyholders to make secure card payments for new business, renewals and mid-term adjustments (MTAs). The integration also supports card refunds and securely stores card details for future transactions, subject to the card remaining valid.

Prerequisites

Before card payments can be accepted through SchemeServe:

• You must have an active Opayo account.
• The Opayo account must be connected to SchemeServe through the Extensions section within Settings.
• Card payments must be enabled within your scheme configuration.

Setting Up Opayo

Connect Your Opayo Account

Navigate to:

• Settings > Extensions
• Select the Opayo extension and enter the required account credentials to establish the connection.

Enable Card Payments

Navigate to:

• Scheme Settings > Payments
• Enable card payments for the scheme. Once enabled, eligible policies can be paid for using a debit or credit card.

Taking Card Payments

When a quotation meets the following criteria:

• No referrals are outstanding.
• The scheme is configured to allow policies to go on cover.
• The user will be presented with a Card Payment screen.
• The policyholder can enter their card details and make payment directly through Opayo.
• Once the premium has been paid in full:
• The payment is recorded against the policy.
• The policy is marked as paid.
• The policy can proceed on cover in accordance with the scheme settings.

Stored Card Details

Following a successful payment, card details are securely stored through the Opayo integration.

This allows SchemeServe to reuse the stored payment method for future transactions, including:

• Renewals
• Mid-Term Adjustments (MTAs)

Monthly payments will not automatically be taken. Follow our guide here on how that works.

The stored card can only be used while it remains valid and has not expired.

Refunds

SchemeServe supports refunds back to the original payment card.

Refunds are typically generated following:

• Policy cancellation
• Mid-Term Adjustments (MTAs) that result in a return premium

SchemeServe automatically calculates the refund amount based on the policy transaction.

Processing a Refund

• Complete the cancellation or MTA.
• Allow SchemeServe to calculate the refund amount.
• Navigate to the policy's Money tab.
• Select Refund.

The refund will then be processed through Opayo and returned to the original card used for payment.

Check out our article here if you are finding issues with your Opayo payments.