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Use cases: Insurance claim payouts

Pay claimants and vendors on your own cards

Issue payout cards to claimants, single-use cards to repair shops and tow trucks, and replacement cards for device claims, all through one API.

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Approved claims still wait on a check

US insurers still pay about half of claims by paper check, and fewer than a quarter of consumers get their claim money right away. A family that can't stay at home waits on the mail, checks get lost or stolen, and every tow truck, repair shop and contractor is paid through yet another process.

Moon lets insurtechs, MGAs, embedded insurers and assistance companies run their own card program for claims. Claimants who opt in get a card in your brand, and the payout lands on it when the claim is approved. Repair shops, vets and roadside providers get single-use cards locked to the job, and device claims settle on a card that works only at a named retailer.

Every card is issued through one API and carries the claim ID, so each charge comes back matched to its file. Your current payout provider keeps sending checks and bank transfers; Moon adds the cards beside it.

How the money moves

  1. Card issuedclaimant_311 · opted in
  2. Claim approved and paidClaim #4821 · $1,240.00
  3. Claimant spends$318.40 · claim 4821
See the API call
curl --request POST \
     --url https://api.themooncard.com/v1/api-gateway/card/8f1c611d-098d-4f61-b106-f7b6d344b1ae \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-key: YOUR_API_KEY' \
     --data '{
        "external_id": "claimant_311",
        "amount": 1240,
        "metadata": { "claim_id": "4821" }
      }'

What you can do

  1. 01

    Claimant payout cards

    Claimants who choose a card verify their identity through a hosted link and get a virtual Visa card in your brand, loaded with the settled amount. Mail a physical card to anyone without a bank account.

  2. 02

    Living expenses after a loss

    Load a card with living-expense money the day a policyholder has to leave home, and add funds while they're displaced. A monthly limit keeps the allowance on budget.

  3. 03

    Flight delay and weather payouts

    Pay a parametric claim to a card as soon as your trigger fires: a delayed flight, delayed baggage or rainfall past the policy's threshold.

  4. 04

    Tow trucks and roadside help

    Send a single-use card to the tow truck, locksmith or roadside provider, limited to its merchant category and the agreed amount.

  5. 05

    Repair shops, vets and contractors

    Pay the body shop, the vet at checkout or the contractor for an approved estimate with a card that covers that one job. Add funds to the same card if a supplement is approved.

  6. 06

    Replacement cards for device claims

    Settle a phone, laptop or product protection claim with a card that works only at a named retailer, for the cost of the replacement, with discounts of up to 10% at major brands.

Why insurers and MGAs build on Moon

  • Your brand, not a vendor's

    Claimants see your name on the card and in your app, not a payout company's. The payout becomes part of the service they bought from you.

  • Vendor spend you approve

    With real-time authorization enabled for your program, each vendor charge is checked against your own claims ledger before it goes through. Cards locked to a merchant category and amount decline anything outside the job.

  • Paid once, matched to the claim

    Send an idempotency key with each payout, and a retry from your claims system never pays the same claim twice. The claim ID you store on the card comes back on every transaction webhook.

  • A balance per carrier or program

    Keep each carrier, client or program on its own balance, with its own cards and limits. MGAs and assistance companies can pay claims for several partners from one integration.

How it works

  1. Connect

    Integrate the Moon API, or start with our team on a pilot.

  2. Issue

    Create cards and send payouts from your own product.

  3. Control

    Set limits per card and see every transaction.

Questions

Do claimants have to take a card?
No. The card is an option the claimant chooses, next to the check or bank transfer you offer today, and in the US state rules generally require the claimant's consent. Cardholder fees are set by your program and can be zero, so the claimant can use the full payout.
Does Moon replace our current payout provider?
No. Keep your current provider for checks and bank transfers. Moon runs beside it as your card program: payout cards for claimants, single-use cards for vendors and replacement cards, all through one API.
How do we match payouts to claims?
Store the claim ID as metadata when you create a card. It comes back on every transaction and refund webhook, so your claims system can match each charge to its file as it happens. Daily reconciliation files give finance a full record to close the day, and your team connects your claims system to the API and webhooks directly.
What happens to money a vendor doesn't use?
With real-time authorization, nothing sits on a vendor card: each charge is approved against your own claims ledger as it happens, so money the job doesn't use stays in your claims account. If you load a card in advance instead, closing it once its charges settle returns what's left to your prepaid balance.
Where can we launch, and which licenses do we need?
Card programs can launch in the US, Latin America and Southeast Asia. Tell us where your claimants and vendors are, and we'll confirm what's available for your program before you build. Cards are issued by Moon's partner financial institutions under their licenses, so you don't need a card-issuing license of your own; you keep your insurance licenses, and claim decisions stay with you.
Can we start with one claim type?
Yes. Start with one claim type, such as tow jobs or flight delays, then add the others. Before any real claim is paid, the Sandbox runs the same endpoints as production, so you can issue claimant and vendor cards, simulate charges and receive webhooks.

Pay your next claim on a card in your brand.

Tell us how you pay claimants and vendors today. We'll map it to a card program and set up a sandbox for your team.

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