# ePayPolicy Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is ePayPolicy the right Payment Processing solution for you? Explore 247 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/198072/ePayPolicy/reviews --- ePayPolicy 4.9 (247) 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 March 13th, 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 247 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 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 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 LM Larry M. President Insurance Used the software for: 2+ years ### "Time and Money Savings for our agency." August 27, 2025 5.0 Could not be happier. Saves us time, easy to use, easy to teach, can void if mistakes are made, and saves our agency money. Near perfect! Pros What we like the most about EPay is the ease of use for this product! From teaching the process to new employees to instantly telling us the credit card payment is invalid, it says us time and saves our agency money. Cons Only con is not receiving instant notice if an ACH or ECheck is insufficent.This might not be a item that is available yet but sure hope it does become available in the future. Switched from [SimplyPayMe](https://www.capterra.com/p/253404/SimplyPayMe/) Saw the demo for EPay, and liked that it was invented by a insurance agent. Review Source BM Bradi M. CFO Insurance Used the software for: 6-12 months ### "Absolute MUST HAVE for any agency that does a large volume of agency bill. " August 25, 2025 5.0 I tried 2 other payment providers and the ePay Policy experience has been the best. And least expensive! Pros ePay Policy has made my agency billing so much easier. It is very simple to use. It integrates with my AMS. And, it allows my customers to choose their payment method, including premium financing and takes care of the merchant fees for me. Cons No direct payment to my carriers. Which I heard is changing. And not integrated with my Premium Finance company of choice. Alternatives considered [Geoforce ASCEND](https://www.capterra.com/p/245755/ASCEND/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing ePayPolicy Integration with my AMS. Lower merchant fees. Quick batching of funds Switched from [QuickBooks Desktop](https://www.capterra.com/p/212058/QuickBooks-Desktop-Pro/)[Geoforce ASCEND](https://www.capterra.com/p/245755/ASCEND/) They did NOT integrate with my AMS. They also sat on the funds for a few days. That does NOT bode well for people who often need their policy "today" Review Source CD Clay D. CFO Insurance Used the software for: 6-12 months ### "Chief Financial Officer" September 10, 2025 5.0 ePay Poicy has been a wonderful tool and has allowed my staff to scale accounts receivable at a rate that would have otherwise required additional payroll dollars. It also opens up additional payment methods that we are not currently set up for i.e. Credit and Debit Cards. Pros ePay Policy has a fantastic user interface and the communication from their team is top notch. They call to check in and are always quick to answer any technical questions I may have. Site integrations are very robust and we're able to plug in other tools like premium finance and back end processing. Cons Can't say that I've found anything yet. About 6 months into the platform and I find it to be one of the best decisions I have made in scaling my MGA. Reason for choosing ePayPolicy Customer service. The epaypolicy team jumped right in and answered every question quickly and effectively. The technical implementation team was knowledgeable and quick to respond. The people made the decision for our company. 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 AK Austin K. CFO Insurance Used the software for: 2+ years ### "Agency Review - Aronson Group" August 25, 2025 5.0 Overall it’s been great. Nice, easy tool to use to allow our clients to pay manually. This has been a simple solution to a past obstacle we faced. Pros Ease of use. Very efficient way to receive payments from our clients. Simple, clear, and easily accessible. Cons Historically, no option to set due dates, and auto reminders for past due invoices. I would love a function to automatically send reminders for our clients to pay. Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Costs, limited functionality, lack of invoicing capability 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 SO Susan O. Staff Accountant Insurance Used the software for: 1-2 years ### "My EPAY experience" August 26, 2025 4.0 Very good! The staff is hands on & does seem to want to help. They listen to feedback and seem eager to improve their products and help their customers. Pros Overall, EPAY has great customer service and they have a great product. I have tried one of the other features (Epay Financing) -- and while it wasn't a good fit for our agency, I liked it and think it's a good option. Cons I dislike the new payment page a lot. It's confusing to many people which deters them from using it and therefore they have to call into the office for help. A self-service payment option is null & void is people still have to call in for help. I do find that some of the funding can also be slow. Review Source BC Branda C. Agent Insurance Used the software for: 2+ years ### "ePayPolicy: Premium payments simplified." September 3, 2025 5.0 I've been using ePayPolicy for several years and it's made accepting payments so much easier. Sending my payment link via text is a great convenience. Pros Being able to accept credit card payments and having a professional looking payment landing page for my clients. Cons Some check payments take more than the usual couple of days to be deposited into our account, which can throw off cashflow. 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 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 JB Jorge B. Agent Insurance Used the software for: 2+ years ### "Easy to use" August 25, 2025 5.0 We love to use the system. We did try another program but it was not as user friendly as this one. Simple is the key here. Pros It was extremely easy to learn the system. We take advantage of all of the features. After 5 years, we have had 0 issues with the system. Cons There is nothing we do not like about ePayPolicy. It works perfectly and when updateds or new processes are added, we dont even request help to figure it out. 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 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 MZ Mercedes Z. Agent Insurance Insurance Used the software for: 1-2 years ### "Customer Services" August 25, 2025 5.0 Its great and easy for the customers to use as well it saves us time and them to be on the line if they are working. Pros Epay is great with us, they help us with all the questions. I always recommend the client to process the payment thru there. Cons I like everything on the epay, its very easy to work with and clients like it too much as well. Review Source RW Roberta W. Bookkeeper Insurance Used the software for: 2+ years ### "Excellent, Comprehensive and Intuitive Program" September 2, 2025 5.0 Excellent! We've been using ePayPolicy for over 6 years and I have never had any problems or issues. Pros Comprehensive information provided in an easy to use format. Quick and easy to send custom invoices. Cons There isn't really anything I can think of that I don't like about the ePayPolicy program. It works well. Review Source SF Sam F. VP of Underwriting Insurance Used the software for: 2+ years ### "Epay and Me" August 25, 2025 4.0 Very solid experience overall. I have always loved the ui and interface of the payment portal. The back end is where the issues are. Pros Payment link creation and payment collection. Very small learning curve. Simple payment processing and clear for users. Cons User website is VERY slow. It is hard to get things processed or checked through the admin side of the website. Review Source BB Beatriz B. Office Manager Insurance Used the software for: 6-12 months ### "Great for business " September 3, 2025 5.0 I love it. It is easy for the customer, secure and it gives us and the insured the option to make those credit card payments. Pros The easy system and how we could send a link via email with security and no issues. If any issues occur, customer support is a phone call away. Cons the limit of $1000 imposed and the fact we have to go to the payment page to make the payment and cannot do it in the same page as the information. Review Source DW Diana W. CSR Insurance Used the software for: 1-2 years ### "EPAY has simplified our payment system" September 2, 2025 5.0 Overall my experience with ePay is positive. It has highlighted some issues on our agency's side. Such as making sure our system data is correct, and our accounting stays up to date. Customers get emailed notices that a payment is due if the accounting dept. doesn't close it out in our agency system. That can be frustrating but keeps us on out toes. Pros ePay has simplified getting payments from our customers. We no longer have to wait for a check in the mail and the option of paying electronically is a great option for our customers. Cons It is sometimes difficult for customers to find their invoices if they enter the wrong zip code, etc. Keeping updated information in the agency system is extremely important to make this integration work. Review Source LR Laurie R. Commercial lines manager Insurance Used the software for: 1-2 years ### "ePayPolicy is fantastic and easy to use for our clients " September 10, 2025 5.0 love it! fantastic, easy to use, easy to explain to our clients fast turn around of payments is a plus Pros ease of use for our clients. Easy login and simple steps make it great for our clients of all ages to use. Cons the fees. no one likes additional fees. Of course the fees can sometimes be a problem as no one likes to pay more than they need to. 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