Make it easier to collect insurance premiums, reduce payment processing costs, and simplify reconciliation. DreamPay helps MGAs and insurance platforms deliver seamless digital payment experiences that integrate with existing insurance workflows.
Payments sit disconnected from insurance operations — and the friction shows up in cost, cash flow, and staff time.
Premiums arrive through disconnected channels — phone payments, mailed checks, standalone card terminals — each with its own manual entry and exception handling.
Uncontrolled credit card interchange eats into every premium dollar when policyholders have no low-cost bank payment option at checkout.
Staff match payments to policy numbers, invoices, and accounting entries by hand — hours of work every week, and errors that surface at month-end.
Payments happen outside the policy management system, so billing status, cash position, and customer records are never quite in sync.
The same four friction points — resolved by one payment platform built for insurance.
One-time and recurring bank and card payments through branded, mobile-ready experiences your policyholders actually complete.
Offer lower-cost ACH payments alongside credit cards, with card surcharging options where permitted and appropriately configured.
Get transaction-level reference data, payment status notifications, and settlement reports that connect individual transactions to deposits and processing fees—so your team can reconcile premiums within your own systems.
Hosted payment pages or clean REST APIs that drop premium collection directly into your existing platform and processes.
Give policyholders a seamless, modern payment experience while eliminating the administrative friction of manual processing, phone payments, and paper checks. DreamPay delivers branded, account-free digital checkout for U.S. ACH and credit cards, flexible one-time and recurring billing, and the detailed settlement data your finance team needs to reconcile premiums in your existing systems.
Policyholders pay in seconds via U.S. ACH or credit card through mobile-ready, branded hosted pages or embedded flows—with no DreamPay account or app download required.
Offer lower-cost ACH bank payments alongside credit cards, with configurable card surcharging options where permitted to help manage acceptance expenses.
Support installment schedules and renewals with securely tokenized credentials. Receive instant webhook notifications on payment statuses, returns, and failures to keep policy statuses up to date.
Access transaction-level reference data that connects policy numbers, customer references, and processing fees directly to deposits in your bank account, ready to ingest into your own systems.
Create or initiate a premium payment through your existing billing workflow or integration, including policy or invoice references as applicable.
The payer completes an ACH or credit card payment using a branded, embeddable checkout experience—with no DreamPay account required.
DreamPay sends webhook notifications as transaction statuses change, including failed or returned payments. Your system can consume these updates and initiate retries when appropriate.
Access reconciliation reports that associate settled transactions with deposits, fees, and your reference data. Import the records into your own systems to support premium and ledger reconciliation.
Purpose-built around insurance policy lifecycles — renewals and installments — not generic retail checkout carts.
DreamPay provides APIs, webhook notifications, and hosted checkout experiences designed to connect premium collection with existing insurance systems.
U.S. premium collection supported by JPMorgan Chase banking rails, PCI DSS compliance, SOC 2 compliance, and tokenized card handling.
The questions every MGA principal and platform product lead asks on the first call — in writing, up front.
Deliver branded ACH and credit card premium payments through hosted experiences or APIs, with transaction status notifications and detailed settlement reporting. Explore a U.S. implementation tailored to your workflows, typically in 4–6 weeks depending on scope and readiness.