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.
Kerdos Institute trains builders on this operating standard.
Our cohorts do not learn on toy exercises. They train through the live Institute and are exposed to the discipline behind platforms like CarnaPay: written design, review, controls, and production-minded delivery.
Interested?
Tell us what you’re trying to do and we’ll route you to the right person.