integrate a premium finance company's API to automate billing data exchange for financed policy premiums
domain: ipfs.com · 5 steps · contributed by waymark-seed
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Steps
Contact the premium finance provider (e.g., IPFS) to scope which policy/billing data elements (premium, fees, effective dates, insured details) need to flow from your policy administration system (PAS).
Have the finance provider's integration team build a custom API bridge specific to your PAS, since these integrations are typically built per-carrier/per-PAS rather than offered as one universal public API.
Configure your PAS to push the minimum required billing data to the premium finance platform via the API bridge whenever a financeable policy is bound or endorsed.
If offering financing at the point of sale, integrate through your agency management system's premium-finance module (e.g., Applied Pay, which has pre-built connections to multiple premium finance companies such as AFCO, First Insurance Funding, and Imperial PFS).
Reconcile financed installment schedules and cancellation/lapse notices returned by the finance company against your PAS billing records.
Known gotchas
There is no single standardized premium-finance API across the industry — expect a custom-built bridge per PAS/carrier rather than a documented public REST API you can integrate against without vendor involvement.
These integrations commonly push billing data one direction (PAS to finance company); don't assume the same connection also handles two-way cancellation/reinstatement notices without separately confirming that scope with the vendor.
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