Moxo for claim payments: achieving precision, control, and compliance in every disbursement

At a glance

Claim payments demand precision, transparency and control.

By connecting verification, approvals and reconciliation in one secure workspace, teams reduce errors and accelerate payouts.

With real-time notifications, audit-ready dashboards and automated integrations, insurers maintain full visibility over every disbursement.

Moxo enables finance, claims and compliance teams to orchestrate payments that are faster, safer and fully compliant with SOC 2 and GDPR standards.

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Payment integrity through automated payee verification and lien clearance

Payment integrity starts with knowing that every payee, lien and document is verified before release. Manual verification creates friction and risk.

Moxo simplifies this with digital verification workflows that automatically validate details and flag exceptions.

Payee verification: Payee data is checked against claim and banking records.

Lien clearance: Claims with attached lien files automatically route to compliance teams for confirmation.

Secure submissions: External payees share documentation through Magic Links, protected by encryption and role-based access controls.

Compliance retention: Each verification step is time-stamped and logged for DOI and SOC 2 audit readiness.

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Example:

A leading insurer reduced payout errors by 55% after digitizing verification and line review in Moxo. Their finance team now confirms eligibility and documentation in under 24 hours with full traceability.

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Enforcing payment governance with threshold-based approvals

Payment governance relies on clear authorization tiers. Without automation, approval chains can stall or lack documentation.

With Moxo’s Flow Builder, approval routing follows custom thresholds and risk rules:

• Payments under $10,000 route for single review.
  
  
• Claims above $25,000 trigger two-step authorization.
  
  
• Large settlements or sensitive cases add a compliance checkpoint.

This ensures that no payment advances without proper oversight while maintaining agility. Each approval and comment is logged with an audit trail, ready for DOI or internal review.

Workflow template example: Moxo claim disbursement approval flow

1. Finance review

2. Compliance validation

3. Dual authorization

4. Payment initiation

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All templates are configurable and can be deployed directly through Moxo’s no-code builder.

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Accelerating payout speed with integrated payment rails and real-time alerts

When approvals are complete, speed and transparency determine client satisfaction. Moxo integrates with payment processors to handle multiple rails:

• ACH or EFT for domestic claims
• Wire transfers for cross-border settlements
• Digital wallets for small or instant reimbursements

Each status update automatically triggers notifications for both internal and external users. Finance teams see “initiated → approved → cleared” status, while claimants receive real-time payment alerts.

Magic Links notify payees of payment confirmation or exception handling without exposing PII.

This reduces inbound status calls and increases customer trust in the insurer’s process.

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Closing the loop with automated reconciliation and performance reporting

After disbursement, finance teams must reconcile transactions accurately and maintain an audit record.

Moxo centralizes reconciliation through dashboard presets that visualize payment flow, exceptions and performance metrics.

Dashboards can track:

• Average time from approval to release
• STP (straight-through processing) percentage
• Exceptions requiring manual correction
• Payment leakage trends by line of business or adjuster

Prebuilt dashboards like “Disbursement overview” and “Approval lag tracker” make reporting easier for CFOs and compliance leaders.

Data can be exported for SOC 2 or GDPR audits, ensuring every transaction is visible from initiation to completion.

Example:

A healthcare player used Moxo dashboards to cut reconciliation lag from ten days to two, with automated payment matching and exception alerts.

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Building your compliant claim payment workflow in Moxo

Flow builder (intake forms, file requests, approvals, eSign)

Design a digital payment workflow in Moxo Flow Builder. Add intake forms for documentation, approvals for finance review and optional eSign confirmation for payout authorization.

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Controls (branches, thresholds, SLAs, milestones)

Configure conditional branches that route based on claim size or payment risk. SLA timers monitor turnaround time to keep operations efficient and measurable.

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Automations & integrations (policy/claims core, CRM, DMS, payments, eSign/ID)

Through Moxo Integrations, link core systems, payment rails and ERPs. Payments trigger automatically once verification and approval steps complete.

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Magic links for externals (policyholders, providers, repair vendors, brokers)

External payees securely confirm details or receipts via Magic Links. Each interaction is logged, ensuring compliance without exposing data.

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Management reporting (cycle time, STP %, severity, leakage, re-open rate; segment by LOB/region/channel)

Moxo dashboards show cycle time, automation rate and leakage by region or channel. Insights help refine approval thresholds and resource allocation.

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Governance (SSO/SAML, RBAC, HIPAA/PHI handling where applicable, audit trails & export)

Moxo provides end-to-end compliance:

• SOC 2 and GDPR alignment
  
  
• Single Sign-On (SSO/SAML) and multi-factor authentication (MFA)
  
  
• Full audit trails for all payment activities
  
  
• Role-based access control (RBAC) to restrict sensitive approvals

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How Moxo orchestrates the entire payment lifecycle end to end

Moxo automates claim payment verification and approval with complete transparency and control.

Teams can create approval flows in the workflow builder, linking policy data, payment requests, and verification steps. Automations trigger reminders and escalations for pending approvals.

Integrations connect to payment rails and core systems for instant reconciliation. Client portals let claimants track payout status securely.

Audit trails capture every authorization and handoff, while security controls protect sensitive financial data. Moxo ensures claim payments are fast, compliant, and fully documented.

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Smarter payments, stronger compliance

Streamlined claim payments are not only about speed; they are about accountability, visibility and trust. When every verification, approval and reconciliation happens in one place, compliance becomes effortless and teams operate with confidence.

With Moxo, finance and claims teams can automate payment workflows, enforce approval controls and visualize disbursement data in real time. Its no-code builder and governance framework make every step auditable, secure and compliant with SOC 2 and GDPR standards.

Looking to simplify your claim payments? Explore how Moxo helps insurers modernize verification, approvals and reconciliation: book a quick demo to see it in action.

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FAQs

How does Moxo verify payees and liens?

Moxo automates payee verification, lien confirmation and document checks using AI Agents and secure workflows with full audit logs.

Can Moxo integrate with our banking or payment system?

Yes. Through Moxo Integrations, Moxo connects to ERPs, banks and processors to automate payment initiation and tracking.

Is Moxo compliant with financial and privacy regulations?

Absolutely. Moxo Security enforces SOC 2, GDPR and HIPAA-aligned controls with encryption, MFA and audit trails.

How does Moxo improve payment reconciliation?

Moxo dashboards centralize claims, payment and approval data, reducing reconciliation time and manual intervention.

What results can teams expect from Moxo claim payment workflows?

Organizations in Moxo’s customer stories report faster payouts, fewer manual steps and improved compliance documentation.