Credit cards, direct debits, and point-of-sale monthly instalments.
Connect the merchant facilities you already use. Policyholders choose the settlement method that fits their cash flow, while receipts and schedules of cover dispatch automatically upon payment clearance.
Managing general agents should never act as unregulated credit providers or take on merchant escrow risk. InsureOS coordinates payment capture directly with your merchant provider, ensuring that customer funds settle into your existing commercial accounts.
From self-service web checkouts attached to an online quote flow to showroom transactions at a dealership vehicle point of sale, customers can settle immediately or distribute costs via integrated premium finance. Review our transparent platform pricing to see how transaction volumes scale.
Funds flow straight from the processing gateway into your corporate bank accounts. InsureOS never holds, pools, or delays your premium receipts.
Offer policyholders 10- or 12-month instalment plans funded by your finance partner, transferring credit default risk away from your agency.
Compile and email itemized tax receipts with GST and statutory levy breakdowns the second transaction confirmation clears.
Connect the payment gateways and premium funders you already use. InsureOS presents the options, records the result, and continues the policy flow when payment clears.
Card, bank transfer, and premium funding. Let customers choose what works for them.
Use Windcave for card payments, RedPlanet for premium funding, or connect another provider.
Show funded instalments alongside annual payment, priced as part of the quote.
Send policy documents and receipts when payment clears, with the result recorded against the quote.
InsureOS includes established adapters for Windcave and Stripe, supporting major debit and credit cards alongside local bank transfer options. Additional regional or specialized payment processors can be connected via our modular adapter interface.
When an applicant chooses monthly instalments, the platform generates a digital loan agreement with your nominated premium finance provider. The funding partner approves the credit agreement, remits the full annual premium directly to your agency, and collects monthly instalments from the customer.
All transactions settle directly into your organisation's merchant bank account. InsureOS does not hold, escrow, or route funds; our system simply verifies transaction authorizations, issues matching receipts, and binds the policy.
Payment details are collected using secure gateway-hosted fields and tokenized directly at the processing level. InsureOS never stores or transmits raw credit card numbers, ensuring compliance with strict PCI-DSS requirements.
Yes. Underwriters and brokers can dispatch authenticated, secure payment links directly to prospective clients, enabling customers to review policy summaries on mobile and authorize payment with a single click.
When policies bind, the calculation engine records the exact commission entitlement tied to the active distributor token. Daily transaction summaries itemize gross premiums, gateway processing fees, and net distributor commission splits.
Online quoting
Embed a real quote-to-bind flow
Automatic rating
Product definitions, rules, tables, explainable factors
Third-party integrations
Plug in the tools you already run
Renewals
Re-rate, payments, automatic renewals
Document generation
Branded policy docs, certificates, receipts
Automation
Webhooks, events, integrations
APIs
Headless when you need it