CarnaPay
The operating system for corporate healthcare payments.
CarnaPay gives an organisation one place to fund, manage and pay for its people’s healthcare — and gives members a simple way to access and pay for care, even without a smartphone.
It replaces the patchwork of spreadsheets, bank transfers and disconnected tools that healthcare payments usually run on.
What you get
Members access care, simply
A wallet for healthcare spend, usable in person and on basic phones via USSD — no one is left out for lack of a smartphone.
Employers fund and control
Set budgets, fund benefits, and see where healthcare money actually goes — in one view, in real time.
Providers get paid
Payments move and settle without the usual back-and-forth, so providers spend less time chasing money.
Care when cash is short
Financing options for out-of-pocket care, so a bill doesn’t become a barrier to treatment.
How it works
Member access
Wallet, payments and care access — on app and USSD.
Organisation console
Fund, budget and oversee healthcare spend.
Provider portal
Receive and reconcile payments with far less friction.
Controls & governance
Healthcare money moves under dual control.
- Maker-checker on funding and large payouts: initiation and approval are always separate roles.
- Role-based access, so each party — employer, HMO, provider — does only what it should.
- Every transaction and claim decision is logged for reconciliation and audit.
- Approval rules and limits configure to each organisation’s own policy.
Why it's different
- One platform, not five tools stitched together.
- Built for how healthcare is actually paid for here — including reaching people on basic phones.
- Run by a team that builds and operates payment systems, so reliability is the default.
Trust & compliance
- Payments move on regulated, bank-grade rails through our partners.
- Member data is protected and handled per our Privacy Policy.
We keep our public detail deliberately high-level. Under NDA, we go deeper with serious partners.
Interested?
Tell us what you’re trying to do and we’ll route you to the right person.