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 integrate natively with HawkSoft, one of the most widely used agency management systems for independent insurance agencies in the U.S. Both let agencies collect payments directly inside the AMS. Both reduce manual reconciliation work for office staff and accounting teams.

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 Very Similar

ePayPolicy earned a strong position early in the HawkSoft ecosystem. HawkSoft publicly named ePayPolicy the first payment partner to use its new Invoice and Receipt APIs, and ePayPolicy has built meaningful traction with independent agencies.

RevitPay now operates in that same native integration environment. For agencies using either provider, the day-to-day workflow feels similar:

• Payments happen inside HawkSoft
• Transactions write back automatically
• Reconciliation becomes cleaner
• Staff spend less time chasing payment records

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

1. Faster Funding Creates More Operational Flexibility

Most agencies do not think much about funding speed until cash flow gets tight. Then timing matters everywhere. Payroll timing. Carrier remittance timing. Premium financing timing.

ePayPolicy's published materials list credit card, debit card, and ACH settlement at about 2 to 4 business days. Standard ACH settlement runs 2 to 3 business days under the ACH Network rules maintained by Nacha. RevitPay offers same-day and next-day funding options for qualifying merchants, which makes a real operational difference.

For agencies processing larger premium volume or managing recurring payment workflows, faster access to funds makes operations smoother. Especially for:

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

This is one of the biggest differences between having a processor and having payment infrastructure built around how the business operates.

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

RevitPay supports:

• Interchange-plus pricing
• Dual pricing programs
• Surcharging options
• Cash discount structures
• Zero-cost processing models where permitted

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 customizes the payment setup to 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 offers dispute management and fraud prevention as part of its platform:

• Ethoca pre-dispute alerts (Mastercard network) ‍
• Verifi pre-dispute alerts (Visa network)
• Dispute response support
• Chargeback monitoring
• Fraud prevention tools

These services run on the ChargebackHelp platform, delivered under RevitPay. The goal is simple: resolve disputes before they become formal chargebacks. Ethoca and Verifi operate upstream of the chargeback process, so merchants can issue refunds before a dispute escalates, which protects both revenue and processing standing. For agencies processing higher payment volume, that protection layer matters more than most realize. The CFPB guide to payment disputes offers useful background on how the dispute process works from the consumer side.

4. The Support Philosophy Feels Different

This is probably the clearest difference between the two companies. ePayPolicy built a repeatable insurance payments model at scale. RevitPay built around the idea that payments should fit the way businesses already operate.

That means the company consistently focuses on:

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

The positioning is less here is your payment platform, and more here is a payment setup designed to help the business run better. That distinction matters more as agencies become more operationally sophisticated, especially those growing toward multi-location or agency-billed workflows.

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. For clients, easier ways to pay. For staff, fewer disconnected records and less manual reconciliation. RevitPay highlights flexible, branded client payment options and real-time transaction visibility. The payment experience is not only about checkout. It is about what happens before and after the client pays.

Feature Comparison: ePayPolicy vs RevitPay

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 integration parity exists, agencies pay much closer attention to what the payment setup feels like day to day. That is where funding speed, support, flexibility, and operational fit become bigger differentiators.

The Bigger Opportunity for Agencies

Independent agencies have historically been underserved by mainstream payment companies. Most processors were built for ecommerce, retail, or generic SMB payments. Insurance agencies, especially members of organizations like the IIABA, operate within a very different compliance and trust-accounting environment.

Payments affect:

47. Trust accounting
48. Premium collection
49. Agency-billed workflows
50. Carrier remittance timing
51. Reconciliation
52. Reporting
53. Retention workflows

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

Special Offer for HawkSoft Agencies Switching to RevitPay

RevitPay is currently offering three months free for qualifying HawkSoft agencies that switch providers.

For agencies already reviewing payment costs, ACH workflows, funding timelines, reconciliation processes, or operational inefficiencies, the offer creates an easier opportunity to evaluate the platform directly.

Final Take

Both ePayPolicy and RevitPay integrate natively with HawkSoft. That question is already settled. The better question now is which payment partner actually helps the agency operate more efficiently over the next five years. For agencies prioritizing faster funding, flexible pricing, cleaner operations, ACH infrastructure, dispute protection, and long-term scalability, RevitPay is positioning itself aggressively as the alternative worth evaluating. Because 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 providers offer native payment integrations directly inside HawkSoft, including payment write-back and reconciliation functionality.

What is the biggest difference between ePayPolicy and RevitPay?

The biggest differences are operational. RevitPay emphasizes funding speed, pricing flexibility, dispute infrastructure, and payment workflows designed around agency operations.

Is RevitPay an ePayPolicy alternative for HawkSoft users?

Yes. RevitPay is an ePayPolicy alternative for HawkSoft users comparing funding speed, pricing flexibility, ACH workflows, chargeback support, and broader payment infrastructure.

Does RevitPay support ACH payments inside HawkSoft?

Yes. RevitPay supports ACH payment processing inside HawkSoft alongside card payments, including recurring payment workflows and agency-billed premium collection.

Does RevitPay offer same-day funding?

RevitPay offers same-day and next-day funding options for qualifying merchants. Confirm exact eligibility requirements before publishing.

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 offers dispute management as part of its platform, including chargeback monitoring, dispute response support, and pre-dispute alerts through Ethoca and Verifi. These tools run on the ChargebackHelp platform, delivered under RevitPay.

Is there a switch offer for HawkSoft users?

Yes. RevitPay is currently offering three months free for qualifying HawkSoft users that switch providers. Confirm exact terms before launch.