Billing friction has long been the nemesis of insurance agencies that rely on agency bill workflows. Between the administrative burden, fragmented payment experiences, and the endless back-and-forth over receivables, it’s no wonder producers often dread selling policies that involve anything but direct bill. But that’s changing—fast.
Modern insurance-focused payment solutions are rewriting the narrative. Instead of juggling multiple systems, risking chargebacks, and constantly reconciling payments with manual processes, agencies now have access to unified platforms that simplify, streamline, and elevate the payment experience—for themselves and their clients.
In this post, we’re going to break down how companies like IPFS and their payment arm, AndDone, are transforming the way agencies handle billing. This isn’t just about payments. It’s about reclaiming your time, enhancing your professionalism, and ultimately improving your bottom line.
Agency bill isn’t just a workflow. It’s a web of inefficiencies that grows more complex as your agency scales. Producers often avoid excess & surplus (E&S) lines or complex program business not because of the insurance complexity—but because of the operational mess agency bill creates.
Think about it:
For producers, these issues create real sales friction. For CSRs and accounting, they lead to hours of unnecessary work. And for the agency as a whole, they increase exposure to errors and omissions.
Imagine a world where agency bill doesn’t have to feel like a second job. That’s the promise of integrated payment solutions purpose-built for the insurance industry. And that’s exactly what IPFS and AndDone have delivered.
Unlike platforms that bolt together multiple third-party technologies, IPFS and AndDone own the payment rails, funding rails, and the underlying infrastructure. This vertical integration means they control the entire transaction lifecycle—from invoicing to remittance—and can offer unmatched reliability, customization, and support.
Think of AndDone as the “Stripe for Insurance.” It’s the fastest-growing payments platform in the industry, processing over $18 billion in volume in under four years. Born from IPFS but offered independently, AndDone gives agencies access to a modern payment experience that can be fully white-labeled and deeply integrated into existing systems.
So what exactly makes these platforms different from the traditional players? Let’s look at the features that matter most to modern agencies.
Flat and Transparent Pricing
Gone are the days of unpredictable fees and nickel-and-dime pricing. With AndDone:
For agencies currently using platforms like ePay Policy, this alone represents immediate cost savings.
Unmatched Transaction Limits
Ever had to split a $200,000 ACH payment into multiple parts because your payment provider couldn’t handle it? Not anymore. AndDone allows:
Out of the box. No audited financials. No intrusive underwriting.
Full Control Over Payment Experience
This creates a smooth, seamless experience that reflects well on your agency—and reinforces client confidence.
The best tech is the one that plays well with others. That’s why integration is critical—and IPFS and AndDone are investing heavily here.
AMS360 Integration
AndDone is a certified Orange Partner and is finalizing full integration with AMS360. Features include:
HawkSoft, NowCerts, and More
Next up: integrations with HawkSoft, NowCerts, and Vertafore products like Applied Epic. As more APIs become available, functionality will expand—giving agencies even more control over the billing process.
Total Pay, the platform inside IPFS.com, brings the premium financing and pay-in-full experience into one seamless process.
Better yet? You don’t have to touch the money if you don’t want to. You can have IPFS pay your wholesaler directly and just collect your agency fee and commissions. This eliminates E&O exposure and simplifies accounting.
Another innovation: Outbound Payments.
This eliminates the need for manual check cutting or juggling your agency’s operating account for third-party payouts.
Refunds, reversals, and chargebacks are often misunderstood—and feared—for good reason. AndDone has taken a proactive approach to protection.
Starting in July, AndDone will leverage FedNow Rails for real-time ACH validation. This reduces the most common cause of failed transactions: invalid account numbers.
Later this year, dual authentication for credit cards will be added, making select transactions undisputable.
Every IPFS agency has access to a Digital Maturity Score—a data-driven benchmark that shows how effectively you’re using their platform. It measures:
It’s not just a vanity metric. Agencies with high scores report better client retention, faster receivables, and fewer servicing errors. If you’re not using the tools, you’re not reaping the benefits. It’s time to get competitive.
Clients expect digital options. Your team needs efficiency. Your producers want to focus on selling, not servicing.
When you implement modern solutions like IPFS and AndDone:
Whether you choose to launch from a premium finance platform (Total Pay) or a payment platform (AndDone), the tools are here—and they’re purpose-built for the insurance space.
The future of agency bill isn’t just less painful—it’s strategic.
Modern payment platforms aren’t just solving administrative problems. They’re unlocking new revenue opportunities by making complex placements like E&S and program business far easier to manage.
If your team is still wrestling with outdated processes, or if you’re paying to use a solution that doesn’t actually solve your problems, it’s time to reevaluate. The best part? You don’t have to go all in at once. Start small. Test a few workflows. Track your digital maturity score. And watch what happens when billing becomes a strength, not a stumbling block.
Ready to stop chasing payments and start owning the experience?
Check your digital maturity score with IPFS or reach out to your AndDone rep to get started today.
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