Intake Studio
Take in any book.
Excel, a PAS export, payment and settlement files — mapped, validated and reconciled with schema drift and rejects kept, never silently dropped.
Formalisation · book-close · cover evidence
Make every book bankable.
Pactessa is the underwriter-agnostic admin platform that turns a parlour or society’s book into something an administrator will stand behind and a regulator can follow — intake, monthly close and cover evidence, built for the FSCA’s formalisation drive.
Honest by design. We never show cover as confirmed unless the administrator or insurer confirmed it. Pactessa does not carry risk, decide a claim or move money.
Book BK-0007 · June · syntheticNative · your system of record
- Broker
- Administrator
- Underwriter
- Family
- 01IntakeTwo spreadsheets
- 02SettleR410,200 allocated
- 03Downstream
- 04Exceptions3 owned · with a reason each
- 05Closesigned manifest · reproducible
Cover status: C — recorded, not confirmedNothing above is confirmed cover until a source says so.
Keep the systems you already run.Make every exception owned and visible.Confirm nothing you cannot prove.
The formalisation squeeze
The regulator is minting your customer base.
The FSCA and Prudential Authority’s JC7/2024 project is pulling unregistered funeral cover into the licensed perimeter. The survivors will be the operators whose admin is already compliant — registers, receipting, lapse rules, bordereaux and a complaints log that hold up.
Pactessa is the spine that gets a small broker, administrator or society there: neutral to any underwriter, so you stay bankable to the one you have and the one you move to next.
One platform
From a book of inputs to a controlled close.
BookClose
Close the month.
Expected against settled against allocated, every exception owned, maker-checker on the lock, and a signed, reproducible evidence manifest at the end.
Edge Portal & intelligence
Prove it downstream.
Cover evidence graded by its source, a portable export of the whole book, and cross-system intelligence — with governed AI that suggests and ranks but never decides.
Who it’s for
Built for the book you already run.
- Brokers, administrators & UMAs with 5–50 heterogeneous books and 5,000–50,000 active main policies.
- Teams closing by hand — Excel and a PAS, recurring manual exceptions, an administrator or insurer accepted/rejected output every month.
- Societies on a formalisation path — entering only inside a paid broker, administrator or umbrella cohort, never as unlicensed steady-state admin.
If your incumbent already closes cleanly, there is no sale here — and we will say so.
What we will never do
The guardrails are the product.
- No cover shown as source-confirmed without the administrator’s API, a signed acknowledgement, or a reconciled bordereaux — a payment receipt never upgrades a grade.
- No AI that decides a claim, moves money, changes an approved rule or accuses a person. It extracts, suggests and ranks; a human decides.
- No custody or pooling of premiums, no insurance risk carried, no product advised.
- No lock-in. The book is yours, with complete, portable exports whenever you ask.
Pricing
Priced to the size of the book.
Monthly, ex VAT. Network adds a per-member-per-month fee over a contracted minimum; diagnostics, migration and bespoke overlay work are scoped separately. Full pricing
Free Community
R0 self-serve, cost-capped
Start freeEssentials
R399 per month
Talk to usStarter
R799 per month
Talk to usGrowth
R1,499 per month
Talk to usNetwork
R4,999 per month + PMPM
Talk to usEnterprise
R15k+ per month, bespoke
Talk to usStart with three books
A paid diagnostic, then a three-book pilot.
We measure your close — staff hours, exceptions, unmatched amounts — on a paid diagnostic, then prove the improvement on three real books. Demonstrations run on controlled synthetic data; simulated partner responses are labelled as such.