Transform insurance billing and payments

Built for the insurance industry, Collections and Disbursements (FS-CD) simplifies and centralizes all collections and disbursements, streamlining premium billing, payments, and settlements across all lines of business, reducing costs, improving transparency, and delivering a better experience for policyholders, brokers, and partners.

Proven results from hundreds of financial institutions worldwide

50%

overheads savings after system consolidation

73%

faster reconciliation with general and subledger

>98%

automation of incoming payments

Why leading insurers choose our platform

  • Bring all financial transactions into one platform to reduce errors, cut costs, and increase visibility—enabling better cash flow, lower risk, and faster decision-making across the business.

  • Connect with existing billing and CRM systems without custom development. Scale confidently with out-of-the-box capabilities designed to handle high volumes without slowing down.

  • Enable real-time, multi-currency, and digital payments with full documentation—speeding collections and disbursements while improving both operational efficiency and customer experience.

  • Support flexible, policyholder- and broker-oriented billing models with faster, more transparent processes—improving retention and protecting relationships across the insurance value chain.

  • Connect existing billing and CRM systems effortlessly with platform-agnostic integration. Ensure consistent, real-time data sharing across your technology stack without complex custom development or lengthy implementation timelines.

Powerful capabilities that drive results

Unified platform

Consolidate all billing and payment processes across customers, brokers, and partners in one intelligent system for complete visibility and control.

Flexible, fast payments

Handle real-time, multi-currency, digital payments, and diverse transactions such as partial payments and refunds, ensuring fast payouts and better customer experience.

Automated, compliant collections

Streamline collections with automated dunning, audit-ready processes, and consistent communications aligned to regulatory standards.

Configurable billing cycles

Generate invoices with flexible billing schedules and accurate premium calculations aligned to policy or contract terms.

Transparency and compliance built-in

Achieve timely, accurate, and auditable financial closing with integrated balance confirmation, reconciliation, accruals, and journal postings.

Real-time financial insights

Access structured reports on key financial metrics and trends that drive better forecasting, profitability tracking and strategic decisions.

Support for co-insurance

Manage complex co-insurance and reinsurance contracts across proportional, facultative, and other models.

Connected platform

Seamlessly integrate with SAP and third-party systems for streamlined, accurate collections processes and reliable data flow across your tools.

  • Unified platform

    Consolidate all billing and payment processes across customers, brokers, and partners in one intelligent system for complete visibility and control.

  • Flexible, fast payments

    Handle real-time, multi-currency, digital payments, and diverse transactions such as partial payments and refunds, ensuring fast payouts and better customer experience.

  • Automated, compliant collections

    Streamline collections with automated dunning, audit-ready processes, and consistent communications aligned to regulatory standards.

  • Configurable billing cycles

    Generate invoices with flexible billing schedules and accurate premium calculations aligned to policy or contract terms.

  • Transparency and compliance built-in

    Achieve timely, accurate, and auditable financial closing with integrated balance confirmation, reconciliation, accruals, and journal postings.

  • Real-time financial insights

    Access structured reports on key financial metrics and trends that drive better forecasting, profitability tracking and strategic decisions.

  • Support for co-insurance

    Manage complex co-insurance and reinsurance contracts across proportional, facultative, and other models.

  • Connected platform

    Seamlessly integrate with SAP and third-party systems for streamlined, accurate collections processes and reliable data flow across your tools.

“We operate FS-CD as a central platform and service for multiple of our countries and lines of business. Particularly noteworthy are our proven best practice processes, which enable us to introduce FS-CD in new markets within a manageable period of time and cost that is acceptable even to smaller units.”

Stefan Tretter

Head of Global Billing & Payments IT at Zurich Insurance