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Now live: Premium Accounting and CoverPay. Insurance native accounting, installment billing, and payment collection infrastructure with full control of your payment gateway.
An insurance payment API must support more than basic transaction processing. It must align with underwriting workflows, installment schedules, endorsement adjustments, retry automation, and accounting reconciliation. CoverPay provides a unified insurance payment API built specifically for property and casualty organizations. Through a single integration, MGAs, wholesalers, and carriers can process premium payments, manage installment schedules, apply adjustments, trigger retries, and retrieve real-time transaction status.
As part of the broader CoverPay insurance payment infrastructure, the API serves as the programmable layer for premium collection automation.
The CoverPay API supports:
This unified architecture eliminates fragmented gateway logic and custom retry scripting.
Insurance billing often requires structured premium schedules.
The API allows systems to:
Installment framework reference: Insurance Installment Billing Software
When a policy endorsement changes premium mid-term, the API enables:
Endorsement workflow reference: Insurance Endorsement Billing
The CoverPay API allows configuration of retry logic, including:
Retry workflow reference: Insurance Payment Retry Automation
CoverPay provides configurable webhooks for:
This allows policy systems, accounting systems, and analytics platforms to remain synchronized.
The API integrates directly with merchant gateways, including Authorize.net.
Organizations retain:
This model differs from closed payment ecosystems that bundle gateway control.
For MGAs: MGA Payment Processing System
For carriers: Carrier Payment Processing System
The API supports integration with:
The API supports:
This supports reconciliation and compliance requirements.
Generic payment APIs assume fixed recurring charges.
Insurance payment infrastructure requires:
CoverPay’s API is purpose-built for insurance billing complexity.
If your organization requires a programmable insurance payment API aligned with installment billing, endorsement workflows, and retry automation, request technical documentation and a CoverPay integration walkthrough.