ePayPolicy vs RevitPay

A year ago, the biggest question in insurance payments was simple: does it integrate with HawkSoft? Now the answer is yes.

Both ePayPolicy and RevitPay offer two-way API payment integrations with HawkSoft, an agency management system used by many independent insurance agencies. ePayPolicy announced its HawkSoft integration in July 2024. RevitPay and HawkSoft launched a direct API payments integration on March 26, 2026. Both are designed to reduce the manual administrative and accounting work around agency payments.

That part is no longer the differentiator. Agencies are asking different questions now:

1. How fast do deposits actually hit?
2. What does the payment setup cost long term?
3. How much manual work still happens behind the scenes?
4. What happens when a customer disputes a payment?
5. Is the processor helping the agency operate better, or only processing transactions?

That is where the comparison between ePayPolicy and RevitPay gets interesting.

The Integration Experience Is Similar

ePayPolicy earned an early position in the HawkSoft ecosystem. In July 2024, HawkSoft announced ePayPolicy as the first API partner to use its new Invoice and Receipt APIs.

RevitPay now offers a direct two-way API integration in the same environment. For payments processed through HawkSoft, RevitPay transaction data writes back to help reduce manual posting and reconciliation work.

Because both providers integrate, ask each one to show exactly what writes back, where it posts in HawkSoft and how exceptions are handled in your setup. Agencies evaluating providers today are not deciding whether they want an integration. They are deciding which payment setup makes the business easier to run over time.

Where RevitPay Competes Differently

ePayPolicy built an insurance-focused payment model. RevitPay approaches the market differently: it positions itself as payment infrastructure designed around business operations, not only transaction processing. That difference shows up in a few places.

1. Funding Options Create More Operational Flexibility

Most agencies do not think much about funding speed until cash flow gets tight. Then timing matters everywhere: payroll, carrier remittance and premium financing.

ePayPolicy’s FAQ states that credit card, debit card and ACH payments typically take about 2–4 business days to settle to the agency’s bank account. RevitPay offers standard, next-day and same-day funding options, and eligibility depends on underwriting.

Network timing is a separate question from the funding schedule. Under Nacha’s ACH rules, ACH credits can settle the same day, the next banking day or in two banking days, and ACH debits settle the same day or the next banking day. When funds reach the agency also depends on the provider’s funding schedule.

For agencies processing larger premium volume or managing recurring payment workflows, funding options are worth comparing. They matter especially for:

• Growing agencies
• Multi-location agencies
• Agency-billed premium workflows
• Recurring ACH collections
• Agencies managing tighter cash flow cycles

2. Pricing Structure Matters More Than Agencies Think

Once both providers integrate into HawkSoft, agencies start comparing economics. The conversation is bigger than rates alone.

Pricing structure affects:

• Margin
• Cash flow
• Client payment behavior
• Operational flexibility
• Long-term processing cost

Alongside standard processing pricing, RevitPay supports dual pricing and surcharge programs where they are permitted. Rules on surcharging and dual pricing vary by card network and state, so confirm what applies to premium payments before changing how clients pay.

That flexibility matters because agencies do not all operate the same way. An agency processing large recurring ACH volume has different needs than a small personal-lines agency taking occasional card payments. RevitPay sets up payments around the way the agency already runs.

3. Chargebacks Are Becoming a Bigger Insurance Problem

Most agencies do not think of themselves as high-risk businesses. But insurance payments create more dispute exposure than many agency owners realize. It usually starts with situations like:

• I cancelled before that payment went through.
• I thought autopay stopped.
• Why was I charged twice?
• That was my spouse’s card.

The problem is not only the lost payment. Disputes create administrative cleanup, revenue loss and processing penalties. If dispute ratios climb too high, the agency risks losing its merchant account.

RevitPay provides monitoring, dispute support and fraud tools to help agencies respond to disputes and reduce avoidable chargebacks. The CFPB’s explanation of chargebacks offers useful background on how the dispute process works from the consumer side.

4. The Support Model

RevitPay is built around the idea that payments should fit the way businesses already operate. That means a focus on:

• Operational support
• Integration flexibility
• Dedicated merchant relationships
• Implementation support
• Payment workflows built around the agency
• Infrastructure that scales with growth

That matters more as agencies become more operationally sophisticated, especially those growing toward multi-location or agency-billed workflows. Ask each provider who your day-to-day contact will be and how payment issues are escalated.

5. Payment Experience for Clients

Client experience also matters. Insurance clients expect payment options that feel simple, secure and familiar. They do not want to call the office every time they need to pay. Staff do not want to chase payment details, match records by hand or answer the same payment questions over and over.

A strong HawkSoft payment integration creates a cleaner experience for both sides: easier ways to pay for clients, and fewer disconnected records for staff. RevitPay supports card and ACH payments, digital payment requests and recurring payment options based on the agency’s workflow. The payment experience is not only about checkout. It is about what happens before and after the client pays.

Why Agencies Are Looking at Payment Infrastructure Differently Now

The first wave of insurance payment modernization was about integration. The second wave is about operations.

Agencies want:

• Faster reconciliation
• Cleaner reporting
• Better ACH workflows
• More visibility into deposits
• Less administrative cleanup
• Better payment experiences for clients
• Infrastructure that scales with the agency

That shift is changing how agencies evaluate providers. The integration matters. But once both providers integrate, agencies pay much closer attention to what the payment setup feels like day to day. That is where funding options, support, flexibility and operational fit become bigger differentiators. For a deeper look at recurring premium collection, see ACH for agencies using HawkSoft.

The Bigger Opportunity for Agencies

Many payment processors were built for ecommerce, retail or general small-business payments. Insurance agencies, including members of organizations like the IIABA, operate within a different compliance and trust-accounting environment.

Payments affect:

• Trust accounting
• Premium collection
• Agency-billed workflows
• Carrier remittance timing
• Reconciliation
• Reporting
• Retention workflows

That is why AMS integrations matter so much, and why more agencies are moving toward payment setups built around insurance operations, aligned with data and workflow standards maintained by organizations like ACORD, instead of generic processing setups.

Final Take

Both ePayPolicy and RevitPay offer two-way payment integrations with HawkSoft. The better question now is which payment partner helps the agency operate more efficiently over the next five years. For agencies prioritizing funding options, pricing programs, ACH workflows and dispute support, RevitPay is worth evaluating alongside ePayPolicy. Payments should do more than process transactions. They should help the business run better.

Frequently Asked Questions

Do both ePayPolicy and RevitPay integrate with HawkSoft?

Yes. Both offer two-way API payment integrations with HawkSoft. Ask each provider to demonstrate what writes back to HawkSoft in your workflow.

What is the biggest difference between ePayPolicy and RevitPay?

The biggest differences are operational. RevitPay emphasizes funding options, pricing programs, dispute support and payment workflows designed around agency operations.

Is RevitPay an ePayPolicy alternative for HawkSoft users?

Yes. RevitPay is an option for HawkSoft users comparing funding options, pricing programs, ACH workflows, dispute support and broader payment infrastructure.

Does RevitPay support ACH payments inside HawkSoft?

Yes. RevitPay supports card and ACH payments through its HawkSoft integration, with recurring payment options based on the agency’s setup.

Does RevitPay offer same-day funding?

RevitPay offers standard, next-day and same-day funding options. Eligibility depends on underwriting.

Why does funding speed matter for insurance agencies?

Funding speed affects cash flow visibility, premium collection workflows, remittance timing and accounting follow-up. Faster access to funds helps agencies manage payment operations with less delay.

How does RevitPay help agencies manage chargebacks?

RevitPay provides monitoring, dispute support and fraud tools to help agencies respond to disputes.