SchemeServe provides flexible payment options for schemes. Payments can be taken directly through a payment gateway, invoiced to brokers, or recorded manually when processed externally.

This article explains:

• How to configure payment options for a scheme
• How customers complete payments during checkout
• How to log payments that were taken outside SchemeServe

Payment Methods Supported

SchemeServe supports several payment approaches depending on how your scheme operates.

Invoice

Policies can be invoiced rather than paid immediately.

Invoices are commonly used when working with:

• Agents
• Businesses that settle accounts periodically

Invoices and broker balances can then be managed through Digit, SchemeServe’s accounting module.

This is the most commonly used payment method for schemes.

Online Card Payments (Opayo / Sage Pay)

Schemes can be configured to take online card payments during the quote and buy journey.

Payments are processed through a configured payment gateway such as:

Opayo (formerly Sage Pay)

When enabled, customers can complete payment as part of the policy purchase process.

External Payments

Some schemes take payments outside of SchemeServe, for example through:

• External finance providers
• Separate payment platforms
• Bank transfer
• Payment systems managed by the scheme owner

In these cases, payments can be recorded manually in SchemeServe once the payment has been received.

Where Payment Settings Are Configured

Payment settings are configured at scheme level.

To configure payment options:

• Log in to SchemeServe as an Administrator.
• Click Admin.
• Select Schemes.
• Open the scheme you want to configure.
• Click the Payments tab.
• Configure the payment options for the scheme.
• Click Save Changes.

Deposit and Instalment Options

SchemeServe supports schemes where:

• A deposit is paid upfront
• The remaining balance is paid in instalments

However, instalment payments are typically handled by an external finance provider.

SchemeServe records the payment details, while the finance agreement itself is managed outside the platform.

Customer Payment During Checkout

When a customer completes a purchase:

• They receive a quote for the policy.
• If they choose to proceed, they enter the purchase journey where they can enter card details.

The payment method configured for the scheme will determine how payment is handled.

Possible outcomes include:

• Immediate card payment through Opayo
• Invoice generated for the policy
• External payment instructions where payment is handled outside SchemeServe

Once payment requirements are satisfied, the policy is issued.

Logging External Payments

If a payment is processed outside SchemeServe, it can be recorded manually.

Typical examples include:

• Bank transfers
• Payments handled by an external finance provider
• Payments taken via a separate payment system

Users can mark policies as paid using Digit once the payment has been received. The policy will show as “payments up to date” in green once marked as paid.

Payments When Sharing Schemes

When a scheme is shared with other SchemeServe websites, there is an option to share payment configuration.

In most cases, this is not recommended.

If payments are shared:

The parent scheme owner may become responsible for payment processing.

For this reason, partner or child sites usually configure their own payment settings.

Managing Scheme Finances with Digit

SchemeServe includes Digit, an accounting module designed to manage scheme finances.

Digit can be used to:

• Manage invoices
• Track payments
• Produce financial reports
• Manage agent balances
• Generate agent statements

Agent statements are commonly used when agents are invoiced for policies written under a scheme.

Because of this, invoicing and agent statements are one of the most widely used payment approaches within SchemeServe schemes.