PLATFORM · API INTEGRATIONS

Connected by Design. Integrated by Default.

RESTful APIs for every insurer, every banking partner, every claims-processing endpoint, and every regulatory reporting channel. EarCodeX does not operate in isolation — it operates as the connective tissue of the insurance ecosystem.

REST · WEBHOOKS · OAUTH 2.0 · BANKING · INSURER FEEDS · REGULATORY

Connectivity

NoInsuranceAdministratorOperatesinIsolation

An insurance administrator interfaces with banks for premium collections and claims payments, with insurers for policy data and claims authorisation, with the Department of Home Affairs for death verification, with identity-verification services for KYC compliance, and with regulatory bodies for statutory reporting.

Each of these interfaces has historically been manual: a bank file downloaded and imported, an insurer report compiled and emailed, a Home Affairs verification requested by phone. Every manual interface is a friction point, a delay point, and an error point.

API Architecture

RESTfulAPIsforEveryIntegrationPoint

EarCodeX provides a comprehensive API layer that connects the administrator to every external system they interact with:

◈Banking APIs: Direct integration with major South African banks for debit-order submission, payment-file processing, and real-time payment status tracking.
◈Insurer APIs: Bi-directional data exchange with underwriting insurers — policy data inbound, claims data and reporting outbound.
◈Identity APIs: Automated identity verification via Home Affairs, credit bureaux, and biometric-verification providers.
◈Regulatory APIs: Automated submission of statutory returns to the FSCA, the FIC, and other regulatory bodies.
◈Webhook notifications: Real-time event notifications for payment receipts, claims status changes, and policy amendments.

Integration Model

HowtheAPILayerWorks

1

Authentication

OAuth 2.0 authentication with role-based API key management and rate limiting.

2

Data Exchange

RESTful endpoints for every operational function — policies, claims, payments, and reporting.

3

Webhooks

Real-time event notifications pushed to your systems when key events occur on the platform.

4

Monitoring

API health monitoring, usage dashboards, and automated alerting for integration failures.

99.9%

API Uptime

Enterprise-grade availability

<200ms

Response Time

Average API latency

40+

Endpoints

Across all modules

OAuth 2.0

Authentication

Industry-standard security

Integration Story

Automated Banking Integration

“Before the API integration, our finance team spent half a day every week downloading bank files, importing them into our system, and reconciling the payments manually. Now the bank feed comes in automatically, the payments are allocated by the reconciliation engine, and the exceptions are routed to the right person. We recovered that half-day every week — which is twenty-six working days a year.”

— Finance Manager, insurance administrator, Cape Town (anonymised)

Integration Story

Automated Banking Integration

“Before the API integration, our finance team spent half a day every week downloading bank files, importing them into our system, and reconciling the payments manually. Now the bank feed comes in automatically, the payments are allocated by the reconciliation engine, and the exceptions are routed to the right person. We recovered that half-day every week — which is twenty-six working days a year.”

— Finance Manager, insurance administrator, Cape Town (anonymised)

Measurable Impact

OutcomesandMetrics

Explore the API Documentation

View the full API reference, authentication guides, and webhook specifications in the developer portal.

Speak to Engineering