Flux lets insurance agencies take cards for convenience, ACH for larger invoices where the economics are friendlier, and pass the processing fee to the client at checkout where local rules allow.
Why insurance agencies choose Flux
ACH for large invoices
Route retainers and big invoices over ACH where the per-transaction economics beat cards.
Pass the fee where allowed
On consumer pass-through, the processing fee is added to the client's total at checkout, where local surcharging rules allow.
Books that reconcile
A QuickBooks sync keeps insurance agencies from retyping every payment into the accounting system at month end.
How insurance agencies get paid
For insurance agencies, ACH usually fits large invoices and retainers, cards suit smaller or on-the-spot payments, and Flux handles both through one integration with a clean record for your books.
A typical Flux setup for insurance agencies
Agency billing splits along a regulatory line: premiums, which in many states must move through a premium trust account, and agency revenue such as broker fees and policy service fees. Agencies on agency-bill arrangements collect premiums by ACH or card and remit to carriers, keeping trust funds separate in their own bank accounts. Direct-bill business needs no premium collection at all, so those agencies use Flux mainly for broker fees and fee-based services.
Timing follows renewals: personal lines renew year-round in a steady stream, while commercial books cluster around common renewal dates, producing predictable spikes of larger ACH payments settling in 1-3 business days. Card payments, settling in 1-2, dominate small personal-lines fees and down payments. QuickBooks sync keeps premium pass-through distinct from fee income, which is exactly the separation a department of insurance examiner expects to find when they look.
What insurance agencies should watch
Know your state's rules before charging fees or surcharging premiums: what an agency may charge, and whether card costs can be passed to the insured, varies by state and sometimes by line of business. The consumer pass-through option applies only where local rules allow it, and premiums are the most regulated payment on this page. When in doubt, keep premium payments clean and recover costs through properly disclosed agency fees instead.
Cancellations drive the refund traffic: a policy cancelled mid-term generates return premium that must flow back accurately, and a slow refund is how an insured becomes a complaint to the department. Chargebacks cluster around financed policies that cancel for nonpayment, so document exactly what the insured authorized and when. Never let carrier remittance deadlines depend on settlement timing; card premiums settle in 1-2 business days, and your remittance calendar should assume it.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume insurance agencies and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do insurance agencies accept payments with Flux?
Insurance Agencies accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge insurance agencies?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do insurance agencies get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Can we collect premiums by card and remit to the carrier?
On agency-bill business, yes, subject to your state's premium trust rules. Card premiums settle in 1-2 business days and ACH in 1-3, so build remittance deadlines around settlement. Keep premium funds separate from agency fee income at all times.
Can we pass card costs on to the insured?
Only where your state's surcharging rules and insurance rules both allow it, and premium payments are often treated more strictly than fees. Many agencies apply the pass-through option to broker fees only and leave premiums untouched.
How do refunds work when a policy cancels mid-term?
Issue the return premium promptly through the original payment method so it shows on the insured's statement. Fast, visible refunds prevent both regulatory complaints and chargebacks on cancelled policies.
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