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Applied Announces Epic Conductor, All New AI Platform in Applied Epic. Explore More

Applied Epic®

Collect premium however the client wants to pay it

Your client pays by card, EFT or digital wallet. The money reaches the account the moment it clears, with nothing left to key in.

Every outside payment tool your brokerage uses handles two steps of an eleven-step billing chain

A cheque takes days to clear, a card payment lands in a processor’s report, and either way someone keys it in by hand.

Payments collected and facilitated through Applied Epic connect the chain. The client pays how they want, and the money lands on the right account, all without the complexity of managing multiple tools.

Key benefits

What Applied Epic payments changes for a brokerage’s finance team

Money in the bank sooner

Premium clears in days rather than waiting on the mail and a manual deposit, which is working capital the brokerage can use.

Less accounting time on receipts

Payments land on the right invoice as they clear, so nobody spends the week keying a processor's report into the ledger.

Premium held safely in trust

Money owed to insurers routes to trust at collection, so the trust balance is right as the month runs.

Less payment-data liability

Card and bank details are encrypted and tokenized to PCI Level 1 and NACHA standards, so the brokerage isn't holding the risk itself.

Every payment posts back to the client’s account the moment it clears

How it works

Run payments inside Applied Epic, not beside it

Post every transaction to the right invoice in real time. No second login and no export of payment details.

Ask for payment while you’re servicing

Send a payment link by email or text, and the client pays on your brokerage’s branded page. Stop chasing manual payments.

Let clients pay the way they prefer

Take EFT, card or digital wallet, and let clients store the payment method for next time or settle multiple invoices with a single payment. Give choice and make it easy.

Every payment posts back to the client’s account the moment it clears

See where every payment sits, branch by branch

How it works

Group merchant accounts by branch

Set up a merchant account per branch so deposits follow the banking structure your brokerage already runs.

Keep trust money separate as it lands

Route premium held for insurers into trust accounts at collection, so the split happens as the money arrives.

Read settlement and exceptions in one view

Track payments, settlement status, payouts and exceptions together, and export the report your auditor asks for.

See where every payment sits, branch by branch

Part of Applied Epic

Payments synced seamlessly to servicing and accounting

A payment collected today shows up on the invoice, the policy, and the ledger, so nobody reconciles the same dollar twice.

Explore the full platform

Key features at a glance

An insurance payment system is judged on the method a client picks and the audit trail it leaves.

  • Payment methods Canadians use

    Clients pay by card or EFT, and the receipt applies to the invoice without anyone keying it.

  • Branch and trust account setup

    Merchant accounts group by branch, deposits follow your banking structure, and trust accounts stay separate.

  • Payment portal and reporting

    Payments, settlement status, payout details and exceptions sit in one view, with reports exportable for audit.

  • Stored payment methods

    Clients save a card or bank account for next time, and settle several invoices in one payment.

  • Sub-merchant management

    Manage merchant accounts across the brokerage from one place, adding and reconfiguring them as branches change.

  • Compliance and security built in

    Payment data is encrypted and tokenized to PCI Level 1 and NACHA standards, reducing brokerage liability and fraud exposure.

What customers see from Payments

  • 2

    Business days to deposit

    Client payments reach the bank and already receipted in Applied Epic.

  • $1M

    Single payment limit

    Payments up to $1 million post to the client account in Applied Epic.

Frequently asked about Payments

Insurance payment processing in most brokerages runs through a mix of paper checks, a third-party processor, and manual entry into their broker management system, so every payment gets re-entered somewhere. Payments in Applied Epic handles invoicing, collection, and receipt application within the same system where the policy lives, so nothing gets rekeyed after the fact.

Yes. Insureds pay by EFT, card, or digital wallet on a checkout page branded to your brokerage, not a processor. Payment links are generated from Applied Epic and sent by email or text, so a client can pay while you are still on the phone with them.

Yes, for core digital payment collection. Canadia brokerages take card, EFT and digital wallet payments on a branded checkout, with receipts applying automatically to the invoice and sub-merchant management across branches. Integrated lockbox and Premium Finance are US-only add-ons and are not part of the Canadian offering.

It settles to the merchant account configured for that branch, and the receipt applies to the invoice on the client account in Applied Epic at the same time. Premium held for insurers routes to a trust account at collection rather than being separated later, so the trust balance stays right without a manual step.

Yes. Insureds choose EFT, card, or digital wallet at checkout, and your brokerage configures which options are available at the brokerage, branch, or merchant-account level.

Yes. Applied Pay is now called Applied Epic Payments. It is the same capability under a new name, running natively in Applied Epic rather than as a separate product – invoicing, collection and receipt application all happen in the system your team already services the policy in.

Go deeper on Applied Epic policy management

Ready to make paying you effortless?

See how Applied Epic collects premiums and applies receipts inside the same system your team uses to service the policy.

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