01
Lapsed Policies Hurt Retention
A missed premium can lead to a cancellation notice. Clients often just forgot, and a quick reminder with a link fixes it.
Insurance agency payments
Collect Premiums on Time with Less Paperwork.
For independent agencies, brokers and MGAs. Take premium payments by card or ACH, automate monthly installments and send pay links at renewal.
- Card and ACH premiums
- Monthly installment billing
- Renewal pay links
- 100+ industries servedLow-risk, high-risk, online and in-store
- Next-day fundingAvailable on qualifying accounts
- One dedicated specialistFrom application through launch
- Fraud and chargeback toolsBuilt into every account
Why It's Different
Insurance Agencies Payments Come with Their Own Rules.
Generic setups leave money on the table. Here is what a payment setup built for your business has to handle.
02
Down Payments are Large
Commercial and annual policies can need big down payments. Card fees on those amounts make ACH important.
03
Monthly Installments Need Care
Many clients pay monthly. Manual card runs and checks create errors and late payments.
04
Many Carriers, One Agency
Agencies write with many carriers. Agency-billed premiums need clean records by client and policy.
Who We Serve
Built for Every Kind of Insurance Agencies Business.
From first-year operators to multi-location brands, we match each business to processing that fits how it actually runs.
Check My Eligibility- Independent insurance agencies
- Auto insurance agencies
- Home and property agencies
- Health and life agents
- Commercial lines brokers
- Managing general agents
- Benefits brokers
- Surety and bonding agencies
What You Get
Everything You Need to Accept, Protect and Run Payments.
One merchant account, configured for insurance agencies, with the tools below ready from day one.
Accept
Virtual Terminal for Phone Pay
Take down payments and premiums over the phone from any browser.
ACH for Large Premiums
Let clients pay annual or commercial premiums by bank transfer to keep costs down.
Protect
Tokenized Card and Bank Storage
Store payment details as secure tokens for installments, without keeping raw numbers.
Signed Auto-Pay Authorization
Capture client consent for recurring premium charges to reduce disputes.
Operate
Installment Billing
Schedule monthly premium charges with automatic retries and decline alerts.
Renewal Pay Links
Send a renewal invoice by text or email with a pay button so policies stay active.
Keep More Policies Active
We will set up auto-pay and renewal links so premiums come in on time with less follow-up.
How it Works
From First Call to First Payment.
- 1
Tell Us How You Sell
Tell us your lines of business, how premiums are billed and your typical payment size.
- 2
We Structure the Account
We set up card, ACH, installments and pay links that fit agency-billed policies.
- 3
Approval and Setup
Approval decisions move faster with a complete application. Then we test your billing flows.
- 4
Ongoing Support
Your specialist helps as you add producers, carriers or new lines.
Merchant Feedback
What Businesses Value about MannyPay.
Google reviews ★★★★★
★★★★★
“MannyPay made our setup simple from day one — transparent pricing, fast approval, and a team that actually picks up the phone.”
FAQs
Insurance Agencies Payment Processing FAQs.
Can clients pay premiums monthly on auto-pay?
Yes. With signed authorization, you store a card or bank account as a secure token and charge it on each due date. Declines retry automatically and you get an alert.
Can we take large down payments by ACH?
Yes. Clients can pay down payments and annual premiums by bank transfer through a link or by phone, which usually costs less than card on large amounts.
Can we accept payments over the phone?
Yes. A virtual terminal lets your staff enter a card or bank account from any browser while the client is on the line.
Do you support agency-billed and direct-billed policies?
We process payments your agency collects. Direct-billed premiums go to the carrier. Tell us your mix and we will set up the account to match.
Can we send renewal reminders with a pay link?
Yes. Email or text a renewal invoice with a secure pay button. Clients can pay in a minute, which helps prevent lapses.
Can we use surcharging or a convenience fee?
Surcharging and convenience fees are allowed only where permitted by card-brand rules and state law. Your specialist will review what applies to your states.
Free Quote
Let’s Find the Right Insurance Agencies Setup.
Tell us a little about your business and a MannyPay specialist will recommend the right account, hardware, gateway, and pricing — with a response within one business day. No obligation, no pressure.