InvoiceCloud

Digital Payment Solutions for Insurance

Accelerate premium collections and real-time disbursements with a secure digital payment platform that lowers operating costs and minimizes manual work.

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Simplify Every Transaction, From Premiums to Payouts

Whether it’s collecting monthly premiums or sending claim disbursements, fast and easy digital payments are key for building policyholder trust and reducing operational friction. Real-time digital disbursements restore stability when it matters most, while simple, secure premium payments help policyholders stay protected without added stress. Every transaction — inbound or outbound — is a chance to fulfill your promise with speed, reliability, and care.

Drive digital adoption and build lasting policyholder relationships with:

  • Personalized engagement tools
  • Easy-to-use self-service options
  • White-glove onboarding and support
  • Co-created adoption programs 
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When Payments Matter Most, Insurance Carriers Choose InvoiceCloud

10x increase in paperless adoption $95,000 savings in print and mail 97% policyholder retention rate

"InvoiceCloud gave us the modern digital payment experience our policyholders wanted and provided dedicated support to ease any concerns we had. The best part is the rise in self-service payments has kept costs down as we've grown our base."
Bernadette Autrey
CFO, AFR Mutual Insurance

✓ 151% increase in digital payment adoption

✓15x increase in paperless enrollment

"InvoiceCloud’s seamless integration with our core billing system has improved payment efficiencies so much that we save 15 hours a week in time spent on reconciliations. It has made our lives so much easier and allows us to focus on more strategic priorities.”
Cheri Schmidt
CFO/Vice-President, California Mutual Insurance Company

✓ 211% increase in digital payment adoption

✓ 7x increase in AutoPay enrollment

"InvoiceCloud transformed our collections process with a modernized solution that provided flexible, user-friendly payment options that increased digital payments and self-service rates. This reduced manual processes enabling our busy staff to shift focus to other critical tasks.”
Adam Petersen
EmPRO Insurance, SVP, Chief Financial Officer

✓ 7x increase in AutoPay enrollment

✓ 63% increase in digital adoption

"InvoiceCloud’s solution not only met our needs today but enabled us to scale with future integrations and next generation capabilities, to increase retention by meeting the needs of modern-day policyholders. Plus, their support team included industry specialists, leading to the smoothest implementation I’ve ever been involved with.”
Howard Schwartz
President/CEO, Homestead Mutual Insurance Company
✓ 30% decrease in billing and payment related calls
"It's been a smooth transition all the way around. Even better, being a genuine partner, they provided support throughout the implementation, go live, and post-launch with a Customer Success Manager and marketing resources.”
Tony Jackson
Senior Director, Information and Technology Georgia Farm Bureau Mutual Insurance
✓ 24% decrease in late payments
“InvoiceCloud delivered the flexible, self-service, online payment solution our members have requested. This solution has significantly decreased incoming billing related calls, improved our process and freed up our time to focus on other value-added activities for our members.”
Christina Farrar
Manager of Billing Fallon Health

From Premiums to Payouts: Build Lasting Policyholder Relationships

Improve Liquidity

  • Drive more predictable premium payments and claims disbursements.
  • Improve cash flow and liquidity across the policy lifecycle.
  • Accelerate ROI with rapid deployment and quick digital adoption gains.
  • Strengthen policyholder trust with reliable, on-time payouts and consistent communication.
  • Deliver confident, trusted interactions that build loyalty and reduce support burden.

Enhance Data Security & Compliance

  • Stay compliance-ready across all 50 states with automated regulatory controls.
  • Protect policyholder and claims data with PCI compliance and encryption.
  • Minimize compliance and escheatment risk with built-in tracking and audit-ready records.
  • Enable complex multi-party claim payments while maintaining audit trails.
  • Encourage automatic premium payments in accordance with evolving state regulations.

Grow Policyholder Lifetime Value

  • Strengthen policyholder loyalty with experiences that mirror expectations —  from mobile, to text, to digital wallets.
  • Offer multiple ways to pay to serve diverse preferences, reducing late or missed premiums.
  • Keep policyholders continuously covered —  autopay enrollment increases renewals by 4% and when combined with paperless billing, retention rises to 5%.
  • Build trust and predictability with a dependable payment rhythm that delivers stability for both policyholders and your business.

Optimize Staff Effectiveness

  • Reduce billing-related manual processes.
  • Free up staff to focus on high-impact work.
  • Lessen administrative overhead through process optimization.
  • Improve decision-making with behavior-driven analytics.
  • Predict outcomes with dynamic dashboards and real-time insights.

*Based on a third-party study using data from the InvoiceCloud platform, third-party research, and anonymized customer data.

Payments Designed for Policyholders, With Flows That Work Like Your Staff and Agents

Automation & Efficiency

Optimize workflows by automating billing, communications, reconciliation, and claims disbursements. Our SaaS solution uses real-time data for a 99%* reconciliation match rate, reducing manual errors, call volumes, and administrative workload across billing and collections.

Policyholder Data & Insights

Gain visibility into the entire policyholder journey with real-time dashboards and predictive analytics that help you proactively optimize performance and curb delinquent premiums.

Compliance & Security

Stay compliant with dynamic regulatory updates, secure every transaction with advanced encryption and PCI compliance, and support complex disbursements with audit-ready, digital-first workflows.

Claims & Digital Disbursements

Enhance security and improve the customer experience by accelerating the claims payout process. Our platform integrates directly with your core systems to automate binder payments, refunds, and multi-party disbursements.

Implementation & Support

Accelerate time to value with expert-led onboarding, continuous SaaS updates, and ongoing support tailored to the unique needs of insurance billing and disbursement teams.

Flexible Integrations with Leading Core Systems and SI Partners

Enjoy a unified, end-to-end payment experience that fits seamlessly into your existing workflows without bolt-ons, batch delays, or disruptive upgrades. InvoiceCloud integrates with the platforms insurers already rely on — like Guidewire, Duck Creek, Sapiens, and other claims, ERP, and legacy systems. Pre-built connectors and flexible APIs eliminate data silos, reduce manual processing, and improve continuity across billing, collections, and disbursements. Plus, get dedicated support from technical experts that work hand-in-hand with your team for a smooth, secure deployment that minimizes risk and accelerates time to value.

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Manage the Full Spectrum of Payments With Unmatched Flexibility, Security, and Ease

Turn premium and claims payments into a loyalty-building experience for policyholders and staff alike with a true SaaS platform built for insurance. Offer a more efficient, more human end-to-end payment experience that supports your digital transformation and strengthens policyholder relationships at scale.

Accelerate claims resolution with real-time digital disbursements.

Behind every active insurance policy is a promise — and behind that promise is a system that must work flawlessly. Meet policyholder expectations with flexible payment options and real-time processing.

Lessen billing- and payment-related costs.

The cost of paper alone costs carriers thousands each year. With innovative features proven to boost adoption, you can drive higher levels of digital self-service and lessen costs in the process.

Elevate policyholder loyalty with seamless payment experiences.

Reliable, on-time payouts and easy-to-use premium experiences curb frustration and complaints, leading to positive word of mouth and fewer policy cancellations.

Lower support volumes with easy-to-use self-service options.

The more policyholders paying online, the fewer calls your team has to answer. Allow staff to focus on the high-priority projects that make your policyholder experience a competitive differentiator.

Experience an easy integration and continuous support.

Support doesn’t start and end at implementation. Expect 24/7 technical support and marketing expertise for promoting your new digital payment options to policyholders. You’ve got a true partner in InvoiceCloud — without hidden fees.

Minimize compliance & risk with audit-ready records.

Built-in tracking and reporting helps carriers stay compliant with state unclaimed property laws, delays and lost payments. Audit-ready transaction records ensure transparency and simplify regulatory reporting. Secure digital delivery reduces the risk of non-compliance tied to paper checks and outdated processes.

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Let’s Modernize Your Insurance Payments

Connect with our insurance payment experts to see how InvoiceCloud drives results from day one — and scales with your business for long-term success.

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