--- title: "ePayPolicy Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is ePayPolicy the right Payment Processing solution for you? Explore 258 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/198072/ePayPolicy/reviews/" page_type: "reviews" language: "en" --- ePayPolicy 4.9 (258) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated July 31st, 2026 # Reviews of ePayPolicy Ease of use 4.9 Customer Service 4.8 ## Pros and Cons in Reviews PG Paul E G Agency OwnerInsurance, Self-employedUsed the software for: More than 2 years. “What I like most is I can invoice the customer and give them an option to pay EFT or credit card with a 3.5 fee. Or EFT with a $5.00 charge. If the customer doesn't replay I have the capacity to send them another invoice.“ September 10, 2025 BR BECKY R ACCOUNTING MANAGERInsurance, 2 - 10 employeesUsed the software for: 1-2 years. “WE DO NOT HAVE THE ABILITY TO DECLINE PAYMENTS BEFORE THEY ARE POSTED. WHEN A PAYMENT NEEDS TO BE RETURNED THERE ARE SEVERAL DAYS BEFORE WE CAN REFUND IT IN THE SYSTEM.“ September 3, 2025 RD Rosalie D PresidentInsurance, Self-employedUsed the software for: More than 2 years. “The branded payment page adds a polished touch, and the ability to accept ACH and card payments within 24 hours has dramatically improved our cash flow.“ August 26, 2025 SK Stephanie K Insurance AgentInsurance, 2 - 10 employeesUsed the software for: 6-12 months. “Clients often have to pay processing fees (especially for credit card payments), which can cause friction or dissatisfaction—particularly for larger premium amounts.“ August 26, 2025 SC Stacey C Account ExecutiveInsurance, 2 - 10 employeesUsed the software for: More than 2 years. “Also, ePay is integrated into our management system when a client pays us it automatically reconciles that payment and it's complete. Because I do most of the Accounting in our office, I wish all of our client's would pay through ePay.“ August 26, 2025 NL Nimisha L Principal OwnerInsurance, 2 - 10 employeesUsed the software for: Less than 6 months. “Emails - Should be able to mask the email with the agency name. As it may goto client spam box or they may not trust it as its not coming from the agency.“ August 26, 2025 PL Pam L Accounting and OperationsInsurance, 2 - 10 employeesUsed the software for: 1-2 years. “Our clients can simply and securely pay their premiums via a link we have available on our invoices and email without any additional help from our office staff. “ August 25, 2025 MB Mark B Insurance Agent-BrokerInsurance, Self-employedUsed the software for: 1-2 years. “Also the other Major dislike about using ePayPolicy is it has a $10,000 transaction limit, whereas Anddone has no limit and their fee's are lower.“ September 10, 2025 ## Showing most helpful reviews Showing 1-25 of 258 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Todd M. Agency Principal Insurance Used the software for: 2+ years ### "ePayPolicy is a great solution!" August 26, 2025 5.0 Highly satisfied. The system is very user friendly for the agency and the client. You are given instant notification of payments. I especially like the ability to email prefilled payment pages so the client can complete the transaction on their own time. Pros ePayPolicy has filled the gap with credit card processing for a low monthly fee. No more waiting on a "check in the mail" or having to advance funds and trust that the client is good for it. The payment portal is branded so the client will trust the payment portal. It doesn't appear to be a third party processor, but looks and feels like an in-house solution, giving added trust on the client's end. Cons I have had no complaints with ePayPolicy, the company or the platform. It has performed as advertised. Switched from [Merchant Services](https://www.capterra.com/p/110828/PayConex/) I didn't like how my monthly bill fluctuated based on transaction volume and transaction amounts. It was far too complicated. Review Source MB Mark B. Insurance Agent-Broker Insurance Used the software for: 1-2 years ### "ePayPolicy is the first choice in Insurance Payments." September 10, 2025 5.0 I have had a very good experience with ePayPolicy for transactions under $10,000 it's my first choice company to use. Pros Epaypolicy is the best insurance platform to accept payments from clients. Their Customer Support is great, the Learning Curve is really easy and intuitive, the clients information is held with the highest Security. Epaypolicy is a great Financial Management tool. It makes taking Credit Card Payments and check payments ACH very easy. I have not experienced any Bugs and Issues to help make the Sales and Purchases for clients using ePayPolicy the best available option. Cons I dislike the link you get from epaypolicy to add to emails is really long. There are other companies and one I use is Anddone, when using them they have a shortend url code to add to emails. The reason I use ePayPolicy over Anddone is the money becomes available in my Trust Account Much Faster than using Anddone. Also the other Major dislike about using ePayPolicy is it has a $10,000 transaction limit, whereas Anddone has no limit and their fee's are lower. I use epaypolicy first to get the money first but for larger transactions I use Anddone. Alternatives considered [Adobe Acrobat](https://www.capterra.com/p/251329/Adobe-Acrobat-DC/) Reason for choosing ePayPolicy Anddone wasn't on the list for insurance payments. I just put Adobe as a placeholder I didn't consider any of those other companies. I've been using ePayPolicy for several years now. It's great. I get paid faster using ePayPolicy for transactions up to $10,000 I still use Anddone for larger purchases it costs less to the client and they don't charge me the $25 monthly fee/$300 yearly fee ePayPolicy charges Insurance agents to use the service. Review Source CW Christopher W. CEO Insurance Used the software for: Less than 6 months ### "Epay is the best payment portal for an Insurance Agency." June 9, 2026 5.0 Our overall experience has been great. Its 100 times better than what we were using with Applied Pay. I wish we would have started with ePay. Pros We love ePay for many reasons. The top 2 reasons are that is so much easier to use than Applied Pay and its cheaper. We have yet to use the customer support as we haven't had any issues with bugs. The money transfer speed is great and the credit card payments are so easy. I just with the clients paid a little less for a credit card payment. Cons I think the thing I personally like the least is that we have to create an invoice number each time and we have to keep track of the number. It would be much easier if we could just put in a starting invoice number and let ePay create them going forward. Review Source SRS Sonya Renee S. Agent Insurance Used the software for: 1-2 years ### "Mineminemine" August 25, 2025 1.0 Poorly designed programming, website, payment are not easy to make and fees are much higher than others Pros Nothing to like about the system, customer support is poor, fees for credit card is above what other systems are charging Cons everything this system does can be done by hand faster and better, fees are too high and customer service is very poor Review Source BM Barbara M. Owner Insurance Used the software for: 2+ years ### "Epay is a time-saver!" May 27, 2026 5.0 Great, fantastic, awesome, appreciated! Not one word can describe how much time and paperwork this one aspect of our insurance world has made our business better. Pros Ease of use. We have been with Epay from the beginning. They have done everything to improve, keep up with the advances, and make the life of a insurance agent easier! Cons Nothing. They have continued to grow and change with the times. They have added additions that insurance agencies use and appreciate. The technology upgrades are constant in the insurance industy and we do not have to worry about the acccount aspects due to Epay! Alternatives considered [Simply Easier Payments](https://www.capterra.com/p/10038012/Simply-Easier-Payments/) Reason for choosing ePayPolicy Sales force did not call me back for 3 weeks. Review Source PD Pedro D. CEO Insurance Used the software for: 2+ years ### "Great addtion to any business." August 26, 2025 5.0 Overall, I've had a great experience with ePay's services. It certainly has helped me bring in more income that I would otherwise missed out on. Pros Adding ePay has made it easier to close more deals. Before I would have to turn away customers because I couldn't accept card payments. Their rates are competitive. It's easy to use payment links. Cons My biggest gripe with using ePay is that emails are rquired. I work in an area where most of my customers don't have an email and only recently obtained a bank account. There should be a way to bypass this with a check box saying "a printed receipt was provided." in my insurance business, I always provide an itemized receipt including ePay's fee for the transaction. Another issue I have, is that deposits are not always deposited in a timely manner. some deposits will be broken up, even if they were taken on the same day. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) I made the switch because of the higher cost to use their services. Instead of passing the transaction cost to the customer, they would deduct it from your deposit. Review Source LW Lynnette W. President Insurance Used the software for: 1-2 years ### "Insurance payments made easy." May 27, 2026 5.0 No problems. Easy to use. Happy to have this as an option for clients to pay. Appreciate the user-friendly platform. Pros Efficiency - we love being able to send our clients a link and for them to easily make payment. We dont get a lot of complaints or questions either! Cons Batch notifications come days after transactions as an email notification. We don't really need that as we can log in and see the transactions Alternatives considered [AscendTMS](https://www.capterra.com/p/122488/AscendTMS-Logistics-Software/) Reason for choosing ePayPolicy Less we had to fill out to send the client an invoice Review Source RS Richard S. Owner Insurance Used the software for: 1-2 years ### "Convenient and Efficient!" August 25, 2025 5.0 Overall, it's a great system to use and it does save a lot of time. Pricing is very competitive and it helps my agency run more efficiently. Pros I like ePayPolicy's ease of use especially sending out an invoice to the customer to pay directly online. I use to absorb the credit card fees and now it's all included on the invoice. A lot of my vendors also use ePayPolicy to accept payment so no more mailing checks! Cons I wish my starting charge limit was bigger. They want me to send some financials and since I'm not necessarily caught up, I can't send those in so I'm stuck at lower limit. Switched from [Squarespace](https://www.capterra.com/p/143461/Squarespace/) I made the switch because of the invoicing and I feel that ePayPolicy is geared towards the insurance industry. Review Source DD Dennis D. President and Owner Insurance Used the software for: 6-12 months ### "Ease of Working with ePayPolicy" May 27, 2026 4.0 My experience with ePayPolicy to this point has been positive. I would say it has been a huge help to my firm, given that I am a sole proprietor. Pros The ease of producing an invoice and the ease for the client to pay. The reporting features are very helpful as well. Cons I do not like that the system continues to invoice the customer after the initial invoice has been sent. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing ePayPolicy Cost and ease of use and setup. Very helpful sales personnel. Review Source KB Kimberly B. Office Manager Insurance Used the software for: Less than 6 months ### "Easy transition, love the platform" August 27, 2025 5.0 It was a super simple process from start to finish, and I am very happy with the decision to make the switch. Pros How EASY it is, for both our insured's and for us to use. The onboarding and training were super simple, and the build out was streamlined and did not take much time. Cons We have to make an invoice before a client can pay, and they cannot make a payment to us for any amount other than what is invoiced. We are getting used to it, but that was a big adjustment to take the time and create an invoice for each and every transaction vs just telling our client how much to pay. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) To integrate with our AMS - Hawksoft. We are working at automating anything that can save us time, so we can focus on what we do best - serving our customers. Actually switched from Xpress Pay, but that was not in the list Review Source VR Verified Reviewer Accounting and Operations Insurance Used the software for: 1-2 years ### "ePayPolicy is a great game changer in payments!!!" August 25, 2025 5.0 My experience with ePayPolicy has been 5 STAR as they have made my job easier and have saved me time!!! Pros ePay makes bill paying for both our clients and ourselves an easy experience. Our clients can simply and securely pay their premiums via a link we have available on our invoices and email without any additional help from our office staff. We also have a way to pay the insurance companies via ACH for a very nominal fee (less than the cost of a postage stamp) and can even attach a copy of the invoice or statement we are paying. Very rarely is it needed, but when I have contacted customer support, they are always friendly and helpful. Cons More companies need to sign up and allow payments via ePay payables. I've sent several requests to different companies, but they never responded. Some of the company payment limits as you don't know what they are until you make the payment and then it tells you it's more than allowed. Also, the Credit Card Fees can be high, we make sure to state that to our customers on our invoice and when we send anyone the link, but we understand that there isn't much ePay can do about 3rd party charges. Review Source AL Amy L. Training and Development Coordinator Insurance Used the software for: 2+ years ### "So efficient and easy to use!" September 2, 2025 5.0 It has been extremely successful! The service staff, accounting department, and insureds all have an easy time using the system. Pros The ease of use for my clients. My clients have no problem submitting payment. The website is easy to navigate and secure. It also saves so much time! We no longer have to wait for mail-in payments to arrive. The process times are fast and reliable. Cons I honestly don't have anything negative to say about this program. We have become reliant on using ePayPolicy for all our renewal and endorsement payments. Review Source AH Adam H. Vice President Insurance Used the software for: 2+ years ### "Epay gives us a Free hand" September 10, 2025 5.0 Any reticence we had in turning over the control of our payments to a third party have been alleviated by the security and comfort we feel but the transparent and seamless integration into our agency bill business. The support and constant improvement sought by the organization gives me confidence that this partnership is truly a must have collaboration for any agency. It is not just a tool but your right hand in matters of premium collection. Pros Simple to use and integrate with your management system and invoicing. Excellent customer support with an emphasis of treating us like VIPs. Cons It would be nice to have true debit card capability as we do have customers that come into our office Review Source TK Tabatha K. Account Manager Insurance Used the software for: 1-2 years ### "E-pay is a great solution for customers to pay online with the peace of mind that their information is secure" August 25, 2025 5.0 I think E-pay is a convenient payment solution that we can offer to our client's and I am glad that we have this option for our customers. Pros We have used E-pay for many years at our agency. It is a great tool that helps our clients pay their agency billed payments quickly and conveniently. I also always let the client know when making their ACH or Credit card payments their payment information is safe and secure as Epay uses Level 1 PCI Compliance. It is very user friendly and easy for the clients to use. It is also great that the client and our agency is notified by email with a payment receipt as soon as the payment is made. The email allows us to Document that the payment was made as well. Cons I have not had any problems using Epay at all so I can not really list cons. I have not had to reach out to customer support either. Review Source KC Kelley C. Account Executive Insurance Used the software for: 1-2 years ### "A Game-Changer for Insurance Payment Processing " September 10, 2025 5.0 The benefits of ePayPolicy have definitely added value to our workflow, and I have recommended it to other insurance agencies like us. It mondernizes payment processing, saves time, and reduces paperwork! Pros We've been using ePayPolicy for a couple of years now, and it has made a big difference in how we manage payments. The platform is user-friendly, secure, and integrates seamlessly with our agent management system. Our clients appreciate the ability to make payments quickly and easily online, whick has reduced processing time and improved cash flow on our end. Their customer support is very helpful whenever we've hadd questions. Cons The one thing I like least is the transactions fees, which can be a sticking point for some clients...not so much with ACH but with the credit card fees. Review Source LZ Luca Z. Office Manager - Commercial Insurance Specialist Insurance Used the software for: 6-12 months ### "A modern and reliable Payment processor" September 9, 2025 5.0 The HUDs are easy to navigate around, and creating invoices to keep track of them are pretty smooth. The links and editable buttons are nice features. We are definitely increasing the usage and appreciate how much EpayPolicy assist in collecting the payments from the insureds, and how much time it saved from the entire process. Though I'd prefer to have an option to absorb the fees depending on the clients. I'd like to suggest a feature to create/download invoice for Offline-paid invoices (if the amount is over the deposit limit). Though the system does allow an invoice shown as paid offline, there's no receipt available to send over to the insured. Pros Processing payments is easy, and it's helpful to have the receipts accessible for record keeping. The login system uses 2FA almost every other log in, so it's definitely secured. Cons Logging in using 2FA is quite cumbersome sometimes, but it's understandable as an additional security layer. The $10,000 deposit limit per transaction can be a low limit for our Commercial Policies. Review Source JL Jennifer L. Agent Insurance Used the software for: 6-12 months ### "Great Service " August 26, 2025 5.0 My experience with ePayPolicy has been excellent. I really appreciate the features it offers, and I find it very easy to navigate. Pros What I appreciate most about ePayPolicy is how easy it is to navigate and how simple it is to explain to customers. It’s a tool I highly recommend to other agencies. Cons Overall, I have no complaints about this service. Everything has worked smoothly, and I haven’t encountered anything I would consider a drawback. The features meet my needs, the platform is reliable, and the overall experience has been very positive. Review Source GG Gregory G. CEO Insurance Used the software for: 1-2 years ### "ePayPolicy works great even for our small agency" September 10, 2025 5.0 ePay has been a solid solution to managing payments from insureds to our office; with the challenges in the CA insurance markets and more customers having to use non-admitted, agency bill policies, ePay has helped make all the extra work a little easier. Pros ePayPolicy is easy to use; it has improve our agency's workflow and really helps with "just in time" situations when policies need to be bound. No more "waiting for the check in the mail"; we know immediately when funds are sent to us. Cons We have ePay set up so that is costs our users up to $10 to make an ACH payment; most customers don't mind, but I hope none of customers think it's a "junk fee". It takes a couple of days for the funds to hit our account (unlike Zelle) Review Source PEG Paul E G. Agency Owner Insurance Used the software for: 2+ years ### "The BEST of the BEST" September 10, 2025 5.0 I like the services other wise I wouldn't wast my time and money here. I have been using this type for about 6 years. I would recommend Epay policy Pros What I like most is I can invoice the customer and give them an option to pay EFT or credit card with a 3.5 fee. Or EFT with a $5.00 charge. If the customer doesn't replay I have the capacity to send them another invoice. Cons The time it takes to have the money in my business account. But I know they are working on it. Specialty when the customer goes direct through the website and and pays, it should take so lone. Review Source KC Kenneth C. CEO Insurance Used the software for: 1-2 years ### "GET IT! You won't regret it!" September 10, 2025 5.0 Best thing to happen to our business. Very easy to use for both our office and the client. Can't complain. Pros Epay is the best! We like the ease of use and the integration to our domain & esign. Additionally, it gives the clients the option to either use a card or an account to process a payment through a secure platform. Sometimes clients are more likely to complete a purchase when the link comes through and they do not have to share account info directly with our agents. Customer support is also very attentive and quick. THE COST is the cherry on top. By accepting ach payments you save on all the merchant fees. Cons Can't really think of anything. At first I had difficulty logging in but once I called support it was a quick fix. Review Source BE Brianna E. Accounts Receivable Banking Used the software for: 1-2 years ### "Secure & user-friendly payment option!" September 3, 2025 5.0 Overall, epay has been a huge improvement for online payments. User friendly and available to all clients to use. Pros The customer support is very quick and knowledgeable on the system. Issues are resolved quickly, when they arise. Payment options, including money transfer and Credit card payments are easy to make and overall, everything is very user friendly! Cons One con would be the auto pay option. Our billing/ financing does not work well with autopay. Also if there are credits on the account (which are unseen to insured), payment is not taken and can sometimes be overlooked and get behind. Review Source RV Roxana V. Director, Finance Management Insurance Used the software for: 1-2 years ### "Best solution for electronic payment needs!" September 8, 2025 5.0 From the beginning we knew that ePay was an easy, reliable, and credible solution for what our business needed. From the user-friendly interface to the timely support, the experience has been great - 10/10! Pros The user-friendly interface makes ePay the best solution for our business needs. The platform is simple, straightforward and easy to use. Cons Initially, it was taking a little longer to receive ACH credits but with the help of ePay support that issue was quickly resolved. Review Source RA Reza A. Ceo-President Insurance Used the software for: 2+ years ### "Fantastic, professional, easy." August 25, 2025 5.0 excellent technology especially with our MGA and aggregators, I have refered at least 2 of them to epay so our payment method could become more universal. Pros easy and user friendly, it makes our agency accounting a lot easier , receiving funds ar also prompt and no delay Cons none so far to report for our agency. as we have been using epay for few years and have not seen any isuue Review Source GD Gaby D. Director of Operations Insurance Used the software for: 2+ years ### "Great & User-friendly" September 3, 2025 5.0 Great customer experience thus far! The website rarely has glitches or goes down. Customers find it easy to use and our accounting team does also. Pros I like that it provides a user friendly way for our customers to make either ACH or credit card payments. The administrative side is also very easy to navigate and if we ever run into an issue, customer support is available to help. Cons There is not much I don't like. I do wish that there was a credit card fee that decreased when the amount of the payment is larger. Review Source LK Leslie K. Agent Insurance Used the software for: 2+ years ### "ePay Policy is the way to go! " August 25, 2025 5.0 I've had ePay Policy for many years now and it's been great. The ePay team doesn't hound you with marketing and upgrades, but sends periodic emails about enhancements and offerings, which is nice. Pros Ease of use! Simple way to accept agency payments, invoice clients, and transfer premium to MGA's and other agencies. Cons Credit card and ACH fees, but I know that can't be helped. I do like that the ePay payables option between agencies only costs fifty cents! 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