The Platform
Five components.
One platform.
Everything you need to onboard, fund, send, and reconcile — direct or embedded into the software platforms your customers already use.
An API and Insurance Payment Network for premium collections and claims disbursement. Built for insurance carriers and the software platforms that serve them. Live across the United States and Canada.
Premium collections clear through Chase Payment Solutions. Claims and vendor payouts settle through JP Morgan Payments. One platform, two-sided integration with the world's largest payments bank.
Card, ACH, and Pay-by-Bank acceptance for premium collections — settled directly into carrier accounts.
RTP, ACH, wire, and virtual card disbursement for claims and vendor payouts — at JPM scale.
The DreamPay Insurance Payment Hub is the embedded payment platform purpose-built for insurance — for carriers, MGAs, TPAs, and the software platforms that serve them. We accept ↓ inbound premiums via modern rails. We disburse ↑ outbound claims and vendor payments via RTP, ACH, virtual card, e-Transfer, and check. One API, one platform, one operations team.
One-time, recurring, & zero-fee premium acceptance.
Real-time, automated workflows.
Everything you need to onboard, fund, send, and reconcile — direct or embedded into the software platforms your customers already use.
Used to send and receive payments and for administration. Single source of truth across every rail, LOB, and entity.
REST API for premiums in and claims out. Sandbox available. Live in 6-8 weeks.
Carriers can use their own bank account to receive and send payments, or we can provision one for them. Held at JPMorgan Chase.
Branded email + secure web flow. Claimant picks the rail; you keep the brand.
RTP, ACH, EFT, Pay-by-Bank, Interac, Virtual Card, Check. U.S. and Canada.
Replace bank-portal logins, fraud-prone email collection, and reconciliation hell with a modern payout experience your AP team and your recipients will actually use.
Embed a Dream-hosted payment page on your quote-to-bind flow, or pull premiums by file. Insureds pay by bank, card, RTP, or EFT — you get next-business-day funds and a single reconciliation feed back to your policy admin system.
Claimants enter their own banking details in a secure, branded Dream flow — never in your adjuster’s inbox, never on a paper form. Branded email, claim page co-marked with your carrier identity, and the rail of their choice.
Acme Logistics LLC sent you a payment for Invoice #INV-2026-0481. Click below to choose how you'd like to receive it — funds settle as fast as a few seconds.
Claim your paymentEvery modern payment rail your insureds, claimants, and vendors actually want — routed, managed, and reconciled by Dream. Sender picks the default; recipient can override.
Most insurance software platforms still treat payments as a "referral to a third party." Dream changes that — payments become a native, white-labeled product line that ships inside Insurity, Guidewire, Insuresoft, or VCA Software.
Insurance software platforms offer premium collection and claim disbursement as a native feature instead of forcing carriers to log into a separate bank portal. Dream owns the bank, the rails, and the compliance lifecycle. You own the workflow and the relationship.
No bank-portal redirects. No second login. No swivel-chair between your insurance software platform and a separate payments console. Build directly against Dream's REST API for full control.
REST API, sandbox same-day, white-glove onboarding. Most platforms send their first production payout within 30 business days of signing.
MSA + Program Agreement signed. Sandbox credentials issued same day.
REST API for fund movement and recipient management. Average build & test: 21 days.
Penny validation testing to confirm all payment flows and reconciliation.
You bill or pay your customers. Dream books the float.
Insurity is the leading P&C software platform in North America. DreamPay powers payments end-to-end inside Insurity — both inbound and outbound — across 450+ insurers on Insurity's core systems. One commercial relationship. One technical integration. JPMorgan rails throughout.
Real-time claim payouts to claimants and vendors — RTP, e-Transfer, virtual card. Approval to funds in 30 seconds.
Every capability below ships on the same platform, same API, same JPMorgan rails — in production with Tier-1 carriers and core software platforms today.
Premiums in, claims out — one platform.
Domestic rails on both sides of the border.
6+ rails. Choose by speed, cost, recipient preference.
Pre-funded, BYOB JPM, or BYOB ACH.
Lives inside your platform or carrier brand.
SOC 2 II, PCI-DSS, FINTRAC, NACHA.
Chase Payment Solutions + JP Morgan Payments.
One API. One ops team.
Most insurance payments live in two silos: a billing platform that takes money in, and a claims platform that sends money out. Dream collapses both into one stack — one API surface, one reconciliation layer, one ops team.
Card, ACH, EFT, Pay-by-Bank, Interac e-Transfer. One-time, recurring, IVR, agent-assisted, digital.
RTP, ACH, virtual card, e-Transfer, check. Claimant self-select, multi-party splits, vendor database.
Most fintech payment vendors are US-only or Canada-only. Dream operates native rails in both — same platform, same API, same dashboard. No correspondent banking, no FX hop, no second vendor.
Dream routes every payment across the optimal rail in real time. Carriers set the policy — based on claimant preference, cost, and speed.
Carriers run the gamut from 'we want zero touch, just send funds' to 'we own the bank account.' Dream supports all three commercial models — pick what fits your treasury team.
Carrier wires premium to Dream-held account; Dream disburses claims from it. Lowest carrier-side ops.
Carrier holds funds in their own JPM account; Dream initiates RTP/ACH against it. Float stays with carrier.
Carrier holds funds at any US/CA bank; Dream debits via ACH/EFT. Works with existing treasury setup.
Dream is invisible. Policyholders pay premiums on your carrier brand. Claimants get payouts from your carrier brand. Adjusters work inside your insurance platform — not a second tab.
Hosted payment pages or full SDK — all branded as your carrier or platform.
Adjuster initiates payouts from inside your insurance platform — no context switching.
Insurance regulators don't accept 'move fast.' Every Dream payment runs through enterprise compliance: SOC 2 Type II, PCI-DSS, NACHA rules, FINTRAC reporting in Canada.
Every Dream payment clears through JPMorgan — inbound through Chase Payment Solutions, outbound through JP Morgan Payments. The world's largest payments bank, our exclusive insurance banking partner since 2024.
REST. JSON. Idempotent by header. HMAC-signed webhooks. Sandbox provisioned the same day you sign — including a fully-funded test Dream Business Wallet, simulated rails, and replayable claim, premium, and reconciliation events.
Zurich Canada is one of the first Canadian insurers to activate Interac e-Transfer for Business for claims payouts using the DreamPay platform.
“Providing customers with more ways to receive their payments is essential to creating a smoother claims process. By offering trusted and convenient payment options, we can ensure funds are delivered quickly and securely. This approach allows for a fast, effortless experience, making it easier for customers to get back on track after a claim.”
Monthly premium collection from policyholders + real-time total-loss claim disbursement to claimants. Rails: EFT inbound, Interac e-Transfer + cheque outbound.
One-time premium charge at policy bind + claim payouts for medical, baggage, and trip cancellation. Rails: card + ACH inbound, RTP + virtual card outbound.
The questions every actuary, treasurer, and IT director asks on the first call — in writing, up front.
One API. One bank account. Both directions. Premiums in via Chase Payment Solutions, claims and vendor payouts out via JP Morgan Payments — reconciled the second the money moves.