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Insurance payments made simple

Modern Treasury offers flexible tools for carriers, brokerages, MGAs, and processors to design the payment flows they need.

How it works illustration

Manage payments throughout the policy lifecycle

Premium collection

Programmatically initiate premium payments, reconcile them against your bank statement, and update your agency management system in real-time

Distribution partner payments

Seamlessly transact with third parties and spend less time tracking down missing commission or premium dollars

Claims payouts

Pay out claims quickly, set up custom approval rules, and monitor status without the added delay or uncertainty of a processor

Cash management

Simplify funds segregation and custody, and initiate book transfers across multiple bank accounts.

Insurance companies face unique payment operations challenges as they grow. Modern Treasury helps build for scale on Day 1.

Our Products

There's a lot more to money movement than just moving money. Our APIs automate money movement at scale, including bank integration, payments, and reconciliation, while the web app provides complete control over fund flows with approval workflows, notifications, reporting, and more.


Move money faster

  • Collect counterparty bank account details securely with our Plaid integration
  • Initiate payments over ACH, Check, Wire, and other bank rails
  • Automatically reconcile inbound payments and get notified if they are overdue
  • Integrate with your agency management system via API

Track outstanding balances

  • Monitor transactions and balances for customers, distribution partners, and other payment counterparties
  • Eliminate manual tracking of owed premium and commissions
  • Supplement your agency management system with a reliable source of truth
Virtual accounts

Automatically sort incoming payments

  • Issue unique sub-accounts to individual policyholders, claimants, carrier partners, or any other entity type
  • Automatically attribute incoming payments and associated refunds (endorsements, cancellations, etc.) to the right virtual account
  • Pair with Ledgers for full visibility on each entity’s real-time balance and transaction history