Low-cost bank payments for insurance agencies

ACH moves money directly between bank accounts, usually for far less than cards on large payments. ACH for premium installments.
Talk to an insurance agency payments specialistAll insurance agencies & brokers solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.
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Transfer initiated

$590.00 · ref ACH-7731

Payment solutions for insurance agencies & brokers

How each solution supports insurance agencies & brokers

See what each option adds to the way your business takes and tracks payments.

Merchant Account

For insurance agencies & brokers: Arrange a processing account for agency service charges and customer invoices, with checkout methods matched to how customers pay. A dedicated merchant account underwritten for your insurance agency, with pricing you can read and a person to call. MCC 6300 accounts underwritten for premium and fee payments.
  • Analyze your current statements and quote side by side
  • Prepare the underwriting package so approval moves quickly
  • Set up terminals, gateway and software connections
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ACH Payments

For insurance agencies & brokers: Offer bank-account payments for agency service charges and customer invoices, with authorization and invoice matching built into the workflow. ACH moves money directly between bank accounts, usually for far less than cards on large payments. ACH for premium installments.
  • Set up authorization and verification
  • Configure payment pages and invoices
  • Handle returns and reporting
✓

Transfer initiated

$590.00 · ref ACH-7731

Recurring Billing

For insurance agencies & brokers: Schedule and manage payments for recurring agency service charges, including renewals and customer account balances. Automate recurring card and ACH charges for memberships, retainers and payment plans. Automatic monthly premium billing.
  • Draft authorization language for recurring charges
  • Set up schedules and retry rules
  • Connect billing to your software
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Text to Pay

For insurance agencies & brokers: Send a payment request for agency service charges and customer invoices by text so customers can pay against a specific order or invoice. Text-to-pay sends a secure payment link by SMS, so policyholders can pay a balance from their phone in seconds. Text renewal and down-payment links.
  • Write compliant message templates with opt-in language
  • Integrate with your billing system
  • Set reminder cadences
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Payouts

For insurance agencies & brokers: Distribute amounts owed to agents and referral partners, with payment references matched to policy references, agency invoices and commission allocations. Pay out agents, contractors, owners or providers from one dashboard or API. Commission payouts to sub-producers through licensed partners. Roots Payments is not a bank or money transmitter.
  • Map who gets paid, when and how
  • Integrate payouts with your software
  • Set up recipient onboarding
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Custom Payment Integration

For insurance agencies & brokers: Connect the payment flow for agency service charges and customer invoices with your software and the operational records behind policy references, agency invoices and commission allocations. We connect payments to the systems you already run so balances, receipts and deposits reconcile automatically. Post payments to your agency management system.
  • Scope integrations your software vendor supports
  • Build and test the connection
  • Keep sensitive data out of payment records
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Commission Payouts

For insurance agencies & brokers: Calculate and distribute commissions to agents and referral partners from approved sales or referral records. Producer and sub-agent commissions are paid per statement. Roots automates commission payouts provided through our licensed banking and money-transmission partners. Hold periods cover refund windows, fraud checks run before release, and payment records is captured at onboarding.
  • Model commission and hold rules
  • Integrate with your tracking or CRM platform
  • Configure fraud controls
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Split Payments

For insurance agencies & brokers: Allocate customer payments between agents and referral partners and platform fees, using a defined rule for each transaction. Overrides split among the agency hierarchy. Roots configures rules that split each incoming payment among the parties who earned it, provided through our licensed banking and money-transmission partners. There's no manual math and no end-of-month spreadsheet.
  • Model your split rules and edge cases
  • Build split logic into your order or settlement events
  • Reconcile each party's share against bank settlement
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ACH Payments questions

Questions insurance agency firms ask about billing and payments.
ACH lets customers pay from a bank account. Roots helps set up authorization, payment collection and reconciliation through a processing partner.
Yes. We can plan one-time and recurring bank-account payments, including authorization records, failed-payment handling and customer receipts.
Bring your billing schedule, bank-payment authorizations and reconciliation process. Roots uses these details to plan the workflow for insurance agencies & brokers and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to an insurance agency payments specialistAll insurance agencies & brokers solutions