Installment billing that runs itself
Every product carries its own billing rules: cadence, retries, grace periods, late fees, and dunning. Sure runs the schedule every day, charges what's due, retries what fails, and lapses what stays unpaid. Your service team stops being the dunning calendar.
Configure the cadence and let it run
Every product owns its billing rules: cadences, retry windows, grace periods, late fees, dunning days, reinstatement. The schedule generates from the rules at bind. After that, Sure runs it every day without operator help.
Cadences as configuration
Monthly, quarterly, semi-annual, annual, payroll deduct. Cadences are part of the filed product, not a separate billing tool. Change the configuration, the next bind picks it up.
Daily charge runs
Sure runs the schedule every morning, picks up what's due, and charges it. Failed captures schedule a retry on the cadence you set, instead of hammering a card that just declined.
Dunning that clears itself
Warning emails go out on the days you specify. The moment the bill pays, every pending email cancels with an audit row. Customers stop getting 'pay your bill' notes after they paid.
Retries with intent
After a decline, the next charge waits until the customer's bank has had time to top up. Dunning steps respect the same cadence, so emails and retries don't double-fire on the same day.
Lapse and reinstate, deterministic
After the configured unpaid window, the policy lapses. Reinstatement folds missed installments back onto the schedule and applies a configurable fee. Operators can't accidentally lapse a customer two days early.
External payment support
Payroll deduct, partner-collected, bill-me-later. Sure tracks the schedule and posts the credits without trying to charge the customer directly. The ledger still ticks forward in lockstep.
One schedule, three lenses
Finance reads the schedule like a calendar. Operators move installments and waive fees. Engineers wire the events into your tooling.
Schedule view
Every installment with status, amount, gateway reference, and retry state. Roll up by program, by product, by state. Pull the dunning history for any bill in two clicks.
Service console
Move a pay date when a customer asks. Pause dunning while you investigate. Reinstate with the fee waived. Every action writes an audit row.
Schedule events
Domain events on every transition: created, paid, failed, dunning created, dunning cancelled. Subscribe to a stream or pull from the audit table. Idempotent on retry.
How the billing schedule isconfigured securely configured securely
The schedule runs inside the rules that were filed for the policy. It does not improvise.
No charges before due date
Future-dated installments aren't chargeable, full stop. Operators can't accidentally bill the customer in advance.
No double-charge through retry
A successful capture clears the retry path before the next run. Customers can't be charged twice for the same installment because of a network blip.
Dunning days are filed
Warning emails go on the days the product specifies. There is no separate marketing schedule for billing dunning.
Lapse is deterministic
Lapse only triggers when the configured unpaid window passes. Operators can't expire a policy out of band.
External payment is fully supported
For products billed outside Sure, like payroll deduct or partner-collected, the schedule still records every event. Only the charge call is suppressed.
Reinstatement preserves the anchor
When a lapsed policy reinstates, its cadence keeps its original anchor. Reinstatement fees are line-itemed, never folded into premium.
What it supports
Default unpaid window before lapse, configurable per product license
Default retry cadence after a failed capture, before the next dunning step
Off-ledger dunning emails. Comms reads the same rules the cyclist does
“Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind.”
See insurance payments done the right way
Walk through Sure's payments system with our team. We'll cover everything from premium collection to reconciliation, and the parts of insurance money movement that power programs.