Usio helps insurance carriers, agencies, and insurance software companies collect premiums by card and ACH, automate recurring premium payments, and send claims payments and refunds by ACH, card, real-time payments, or check.
Usio helps insurance carriers, agencies, and insurance software companies collect premiums by card and ACH, automate recurring premium payments, and send claims payments and refunds by ACH, card, real-time payments, or check.
Many insurers collect premiums through one vendor, pay claims through another, and still print and mail checks for refunds. Every handoff adds reconciliation work and slows funds to policyholders.
Usio brings insurance premium payments, claims disbursements, refunds, and reporting into one platform, with APIs that connect to policy administration systems, policyholder portals, and insurance software.
Many insurers collect premiums through one vendor, pay claims through another, and still print and mail checks for refunds. Every handoff adds reconciliation work and slows funds to policyholders.
Usio brings insurance premium payments, claims disbursements, refunds, and reporting into one platform, with APIs that connect to policy administration systems, policyholder portals, and insurance software.
One insurance payment processing platform for the way money moves between insurers, policyholders, claimants, and partners.
Accept credit cards, debit cards, and ACH through payment pages, portals, or payments built into your software.
Schedule recurring payments so policyholders stay current and your team spends less time on manual processing.
Send eligible claims payments by ACH, card, or real-time payments instead of waiting on the mail.
Cut printing, postage, lost checks, and reissue requests, and keep check delivery for payments that still need it.
See incoming premiums and outgoing disbursements together with consistent reporting.
Let policyholders, claimants, and vendors choose how they receive funds.
PCI Level 1 compliance and built-in tokenization help secure every transaction.
Get direct access to developers and Certified Payment Professionals in San Antonio, TX.
If you build policy administration, agency management, or claims software, Usio lets you embed premium collection and disbursements directly into your product and share in the revenue it generates.
Compatible with .NET, Java, PHP, Python, Swift, cURL, and more.
Onboard one to thousands of merchants with fewer steps, forms, and documents.
Turn payment volume into a revenue stream instead of an operating expense.
Proprietary technology built and supported by Usio, with no third-party handoffs.
Money coming in from policyholders and money going out for claims, refunds, and other disbursements, managed from one place.
Accept cards and ACH online, by phone, or through policyholder portals.
Collect monthly, quarterly, or annual premiums on schedule.
Send policyholders a secure link to pay by web or text message.
Build payment acceptance directly into insurance software.
Pay policyholders and claimants electronically by ACH or card.
Get eligible claim funds to recipients in seconds when speed matters.
Return overpayments and cancellation refunds without paper checks.
Keep automated, secure check delivery for recipients who need it.
Start with the payment methods your policyholders already use and add ACH, real-time payments, card, and checks as each program needs them.
Some providers only handle premium collection or only handle disbursements. Usio supports both, plus the reporting and support that tie them together.
Collect premiums, pay claims, and issue refunds through one partner. Tell us how money moves through your business today and we’ll map the right setup.
Yes. ACH payments can give insurance companies another way to collect premiums directly from a policyholder’s bank account.
ACH can be particularly useful for recurring premium payments and higher-value transactions where insurers want to provide an alternative to card payments.
Insurance companies can integrate payment technology into their policyholder experience to support scheduled or recurring payments.
Automating premium collection can make it easier for policyholders to pay while reducing the amount of manual payment processing required by insurance teams.
Real-time payments can provide insurers with another option for electronically disbursing eligible claim payments. They can be especially valuable when getting funds to a recipient quickly is important.
The availability of real-time payments will depend on the insurance company’s payment provider, banking relationships, program requirements, and the receiving account.
Electronic claims disbursements can help insurers modernize a traditionally check-heavy process. They may reduce reliance on printing and mailing checks, accelerate delivery of funds, provide better payment visibility, and give recipients additional payment options.
For policyholders, that can mean a simpler experience at one of the most important moments in the insurance relationship.
Yes. Some payment platforms support both incoming payments and outgoing disbursements.
For insurance companies, consolidating payment capabilities can simplify integrations and payment operations compared with managing separate vendors for premium collection, claims payments, refunds, and other payment workflows.
Payments work best when they fit directly into the insurance workflow.
Integrating payment functionality into policy administration systems, insurance portals, or other software can reduce the need for employees and policyholders to move between separate systems. It can also create a more consistent experience from premium collection through claims and refunds.
Insurance software companies should evaluate more than payment processing rates. Important considerations include:
The goal should be to find a payment partner that supports the software company’s business model instead of forcing the software company to build its product around the payment provider.
Yes. Embedded payments allow insurance software providers to incorporate payment functionality directly into their applications.
Instead of sending users to disconnected payment systems, an insurance technology company can create a more integrated experience for premium collection and other payment workflows.
Depending on the payment partnership and commercial model, software companies may be able to participate in payment economics rather than treating payments exclusively as an operating expense.
For insurance SaaS companies processing meaningful payment volume, this should be an important consideration when comparing payment providers.
Insurance companies can move eligible claims payments, refunds, and other disbursements to electronic payment methods while maintaining check capabilities for situations where paper payments are still required.
A multimethod strategy gives insurers greater flexibility without requiring every recipient or payment scenario to use the same payment method.
Start by mapping the entire payment lifecycle rather than evaluating only premium collection.
Ask:
The strongest solution may not simply process a transaction. It should support the broader movement of money across the insurance ecosystem.
Usio is worth considering when an insurer or insurance technology company wants to bring multiple payment needs together rather than treating premium collection and fund disbursement as completely separate problems.
The bigger opportunity is to build a payment experience around the entire flow of money: money coming in from policyholders and money going out for claims, refunds, and other disbursements.
