Commerce

Commission & revenue

How commissions are calculated, split between parties, and settled to your wallet.

Commission models#

Model	Description	Example
Flat	Fixed amount per policy issued	₦500 per enrollment
Percentage	Percentage of premium collected	10% of ₦8,500 = ₦850 / month
Tiered	Rate improves at volume thresholds	0–500: 8% · 501–2,000: 10% · 2,001+: 12%

Revenue split#

Each tenant can configure a multi-party split. When a premium is collected, the split engine posts to every party's ledger atomically.

json

{
  "premium": 9350,
  "splits": [
    { "party": "hmo",              "amount": 7650, "percent": 81.8 },
    { "party": "pierflow",         "amount": 850,  "percent": 9.1 },
    { "party": "partner_fintech",  "amount": 850,  "percent": 9.1 }
  ]
}

Settlement#

Commissions accumulate in your wallet ledger. Settlement runs weekly by default; enterprise partners can request daily. Settlements include a per-cycle statement delivered via webhook and email.