In 2026 ePayPolicy believes there is a new way to handle the PFC process, Real Automation. We believe you should be able to invoice for the full amount and let the client decide how to pay—without breaking your back office.
However, until now, there has been a hidden friction in every agency. It sits between the Producer, the Account Manager, and the Accounting team. It is the friction every time a policy is financed.
Most agencies prefer a client pay in full. It’s cleaner. It’s faster. But when a client says, “Actually, I’d like to finance this,” the accounting and back office are left in confusion.
The “Old Way” We know you spend countless hours ensuring your data is accurate. Currently, offering financing usually looks like this:
- Step 1: Stop the presses: Ask the client how they want to pay before invoicing.
- Step 2: Go to a PFC portal, manually enter quote data, and get terms.
- Step 3: Create a specific financing invoice in AMS360.
- Step 4: Send a PDF and pray the client signs it quickly.
If you skip step 1 and invoice for pay in full, but they want to finance, your accounting team has to unwind the transaction, void the invoice, and start over to prevent incorrect AR/AP reports.
The New Way: Real Automation. With the latest update to Finance Connect (available through some of our integration partners), we have introduced automated AR write-back for premium financing.
Here is the new reality:
- Step 1: You send a standard Pay in Full invoice.
- Step 2: The client lands on the payment page and sees a “Finance This” option.
- Step 3: They sign and pay the down payment digitally.
- Step 4: ( The Magic Part): ePayPolicy writes back to AMS360. We automatically adjust the invoice, apply the down payment, and create the receivable from the finance company.
Why this matters for your role:
- For Sales/Producers: You capture more revenue. Agencies see up to 30% increased loan volume when the option is presented automatically.
- For Accounting: No more messy accounting or manual journal entries to fix AR.
- For Ops: You stop being the middleman between the carrier, the client, and the finance company.
This isn’t just a “feature.” It’s the promise of automation finally working for the agency, not against it.
To learn more, reach out to your account manager or the ePayPolicy support team!
