Premium collection built for insurance money
Sure is an insurance-native payment facilitator that takes premium, taxes, and fees in a single transaction and lands every dollar in the right account. Customers see one clean charge. Your team stops spending the month untangling it. Card, ACH, bank rail, and pay with escrow all run through the same API.
Built for the way insurancemoney moves money moves
Insurance charges aren't single-line totals. Premium, taxes, fees, and admin lines each need to land in their own bucket. Sure splits the transaction on the way in, so refunds, sweeps, and reporting always reference the same breakdown the customer paid against.
Charge once, reconcile never
Premium, taxes, and fees split the moment the gateway returns success. The charge, the bill, and every line item share the same transaction. Reconciliation becomes automatic, not a repeating task.
Aggregate without losing detail
Sure handles the line items, fees, and distribution splits internally while the customer pays one clean charge. Every underlying bill keeps its own row, its own pricing version, and its own settlement path, so finance closes them individually without rebuilding the math.
Carrier funds, strictly isolated
Programs, entities, and pricing rules are enforced as hard boundaries before any money moves. Each carrier's premium routes to its own gateway, its own settlement account, and its own ledger. Cross-carrier contamination is rejected at the API layer, not caught later in reconciliation.
Three rails behind one API
Cards, ACH, and bank rails through Stripe, Checkout.com, and Column. Same authorize-capture surface across all of them. All programs gain access to all rails.
PCI scope, contained
Tokenization happens at the edge, the token is what your ledger stores, and your audit perimeter shrinks to a known boundary. Compliance stops being the slowest reviewer.
Charges that survive flaky networks
Every request carries an idempotency key. A blip, a retry, a queue replay, and the customer is still charged once. The bill marks succeeded on the first capture that wins.
Same charge engine,three control rooms three control rooms
Finance closes the books, engineering wires the API, compliance pulls the audit.Same data, different tools. Same data, different tools.
Charge console
A live view of every authorization, capture, and refund. Filter by program, policy, gateway, status. Drill from a single bill back to the policy revision that issued it.
- Daily charge volume by program
- Failed charge cohorts with retry state
- One-click drill from bill to charge to line items
Charge API
Endpoints for authorize, capture, refund, and a typed webhook stream for every state change. Idempotency is built in. Errors come back structured, never as 500-with-message.
- POST /api/charges with idempotency key
- Signed webhooks for every gateway
- Structured error contracts stable across SDK and CLI
Charge audit trail
Every charge writes the gateway reference, the program snapshot, and the pricing in force. Pull a packet for any policy and the chain reads clean to a regulator.
- Gateway reference pinned on every charge
- Pricing version on every line item
- PCI-DSS Level 1 · zero card storage
Money moves only where it'slicensed to go licensed to go
Every charge runs through filed gateway and program configuration.Premium goes fast because the edges are hard. Premium goes fast because the edges are hard.
Programs must be enabled and priced
A misconfigured carrier can never quietly take money. Charges only clear when the program is active and a current pricing rule applies.
Carrier-pinned gateways
Each carrier resolves to its own gateway and processing type. Premium routes the right way every call, never to a generic merchant account.
Tokenized cards only
Card primitives never persist in your stack. Charges reference tokens. Refunds reference the original transaction, not the card.
Idempotency on every charge
A charge submitted twice with the same key only runs once. Customers can't be double-charged through retries, replays, or operator do-overs.
Signed webhooks only
Every gateway event is signature-verified before it enters the system. Unsigned events are dropped before they touch a ledger row.
Errors are structured and actionable
Authentication failure, charge not found, gateway timeout, all surface as the same structured error contract. Every failure is observable in the console and reroutable through retries, so support agents can resolve issues without filing an engineering ticket.
What it supports
Median time from authorize to capture for a single-bill charge
Gateways live behind one charge API: Stripe, Checkout.com, Column
Rails available to every program: card, ACH, bank rail, and pay with escrow
“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.