Build for Insurance
Enable partners to build premium collection, claims disbursement, and policy payment platforms for insurance carriers and brokers operating across global markets.
Get sandbox →Build with AI →VERTICAL Insurance · INTEGRATION MODEL API · CHANNELS CNP, Omni-Channel
01 / SOLUTIONS
Where this recipe fits
Three common partner implementation patterns.
01
Insurtech partner enables 50+ insurance carriers to collect premiums using a unified digital platform with multi-payment-method support.
02
Broker management system integrates payment collection so brokers can collect and reconcile premiums inline with policy quotes.
03
Claims platform automates refund and disbursement to policyholder's original payment method upon claim approval.
02 / CAPABILITIES
The payment stack
Products in the current recipe source. The API reference below shows each capability’s status.
01 · Product
Accept Payments
02 · Product
Unified Checkout
03 · Product
Recurring Billing
04 · Product
eCheck
05 · Product
Digital Invoicing
06 · Product
Customer Info Manager
03 / BUILD
API reference
Capabilities and documentation links from the current recipe source.
Common APIs
Required · Core Payments
Payment Authorization
Authorizes transactions across supported channels and payment types.
Required · Core Payments
Refund and Void
Processes refunds, voids pending authorizations, and handles payment reversals.
Primary Payment Acceptance
These are the recommended ways for merchants to accept card payments in your platform:
Recommended · Digital Acceptance
Unified Checkout
Full-featured hosted payment UI handling card capture, digital wallets, and 3DS — recommended for simplicity and reduced PCI scope (SAQ-A eligible). Documentation
Alternative · Digital Acceptance
Flex Microform v2
Secure card field tokenization with full UI control — ISV manages all subsequent transactions (authorization, capture, refunds). Documentation
Secondary Payment Channels
Additional payment collection methods — invoices, payment links, and other non-checkout flows:
Required · Billing
Digital Invoicing
Generate payment-enabled policy invoices with embedded payment options. Documentation
Required · Digital Acceptance
Pay by Link
Send payment collection links for policy renewals and outstanding premiums. Documentation
Insurance APIs
Required · Subscription
Recurring Billing
Automated premium collection with policy-aligned billing cycles. Documentation
Required · Payment Methods
eCheck / ACH
Bank account debits for high-value premium payments where card limits apply.
Required · Security
Tokenization Service
Secure storage of payment credentials across policy lifecycle. Documentation
Optional · Integration
Webhook Notifications
Payment status callbacks for policy management system integration.
04 / CONSIDERATIONS
Regional insights
Consider these market differences as you design the integration.
Europe
Insurance premium tax (IPT) varies by country and must be handled in billing. PSD2 SCA applies to policyholder-initiated payments. SEPA Direct Debit is the dominant method for recurring premiums in many EU markets. Solvency II impacts fund segregation requirements.
Asia-Pacific
Multi-currency needed for regional insurance groups operating across ASEAN. Market-specific insurance regulators (IRDAI in India, MAS in Singapore) have payment collection rules. Mobile-first premium collection in emerging markets.
Latin America
Installment plans on credit cards expected. Boleto bancário critical for premium collection in Brazil. High informality means KYC requirements for policyholders vary. Currency controls impact cross-border premium flows.
Middle East and Africa
Takaful (Islamic insurance) requires Sharia-compliant payment structures. Growing digital insurance adoption in UAE and Saudi Arabia. Salary assignment for premium collection common in Gulf states.
Regulatory notes
Insurance payment regulations require segregated trust accounts in most jurisdictions. Anti-money laundering (AML) requirements for high-value premiums. Data residency requirements for policyholder payment data. Premium financing regulations vary by market.
Merchant segment variance
SMB brokers need simple premium collection with pre-built templates. Enterprise carriers need custom billing engines, multi-entity settlement, regulatory reporting, and integration with policy administration systems.
05 / LAUNCH
From sandbox to go live
Five steps from testing to partner launch.
Step 1
Sandbox Access
Register on developer portal, obtain sandbox API credentials, and configure test merchant profiles.
Step 2
Develop
Build your payment integration using Visa Acceptance Solutions SDKs and APIs for your chosen channels.
Step 3
Testing and Validation
Execute test scenarios, validate payment flows, and confirm compliance requirements.
Step 4
Go Live and Scale
Launch with pilot merchants, monitor performance, and scale across your portfolio.
Step 5
Merchant Onboarding
Onboard merchants with KYC, bank verification, and product activation.
BUILD WITH AI
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Use natural language to explore APIs, generate integration code, and debug your implementation with the Visa Acceptance Developer MCP.
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