AndDone review for insurance agencies: fees, deposits and agency system connections
AndDone lets clients pay premium by card or ACH from a payment link, an always-on payment page or a checkout built into your website. Payouts start two business days after a payment is approved and go to the trust or operating account you choose.
It fits agencies, wholesalers and MGAs that want financing from Imperial PFS (IPFS) next to pay in full. There is no monthly fee, and AndDone quotes its rates after a demo.
- Best for
- Agencies, wholesalers and MGAs that want card and ACH payments with IPFS financing on the same page
- Type
- Payment platform built for insurance, launched by IPFS
- Monthly price
- No monthly fee or minimums. Card and ACH rates are a custom quote
- Card fee
- Quote only, after a demo
- Who pays fees
- The client pays a technology fee at checkout, unless you cover it
- Deposits
- Sent two business days after the payment is approved, by same-day ACH
- Agency systems
- AMS360 invoice lookup and receipt posting
- Premium finance
- Imperial PFS (IPFS), with pay in full offered on the same page
Our take
AndDone was built by IPFS, so its standout is financing at checkout. A client can pay in full or sign an IPFS finance agreement from the same link.
It suits commercial and specialty agencies, wholesalers and general agents. AMS360 agencies can let clients pay open invoices and post the receipts back without retyping.
There is no monthly fee, but the rate comes only with a quote. The client pays a technology fee unless you cover it, so ask for both numbers in writing.
Pros
- Pay in full and IPFS financing side by side at checkout
- AMS360 clients pay open invoices and staff post the receipts back
- No monthly fee or minimums
- Mails checks to vendors and producers from the same portal
- Split payments to carriers and producers, if a developer builds it on the API
Cons
- Card and ACH rates come only with a custom quote
- Clients can't pay by paper check or cash
- IPFS is the only finance company built in
- Autopay is only for premium finance installments
- AMS360 is the only agency management system it connects to
Plans and fees
- How it's priced
- A flat rate on card and ACH payments, quoted after a demo
- Monthly fee
- $0
- Minimums
- No volume minimum
- Checks you send out
- $1.50 per check, printed and mailed
Fees on each payment
| Fee | Amount | Who pays |
|---|---|---|
| Technology fee on card and ACH | Quoted with your rates. Shown at checkout and taken out before payout | The client, unless you cover it |
| Refund | The refunded amount comes out of your next payout. On a full refund, the technology fee comes out too | The agency |
| Chargeback | The full amount, technology fee included, comes out of later payouts | The agency |
| Returned ACH payment | Handled like a chargeback | The agency |
| Printed check sent out | $1.50 a check | The agency sending it |
| Financing at checkout | IPFS sets the loan terms | The client, under the IPFS agreement |
From AndDone's website and help center, checked October 2026. AndDone doesn't publish its card or ACH rate.
Good to know before you buy
- Deposits arrive with the technology fee already taken out.
- AndDone sets a single-payment limit for each agency and doesn't publish it. Ask for yours, since AMS360 invoices above the ACH limit can only be paid by card.
- A new tax ID or a sale of the agency means a new application.
Where the money goes
- Merchant account
- AndDone holds it as a payment facilitator, meaning AndDone collects the money first and then pays you. Your agency is a sub-merchant, an account under AndDone's
- Processor
- Adyen
- Where deposits go
- The bank account you verify at onboarding, which must be in your business's name
- How fast
- Payouts go out by same-day ACH two business days after approval, so the money lands about then. Your bank decides when it shows
- Trust or operating account
- You pick either one at onboarding
- Split funding
- Yes, if a developer builds it on the API. Shares can go to carriers, MGAs and agents who split commission
Refunds and chargebacks come out of later payouts. AndDone takes refunds, chargebacks and returned ACH payments out of your next payouts, technology fee included. Amounts you owe AndDone can also be billed on a monthly invoice in the portal.
Ways clients can pay
Accepted
- Visa, Mastercard, Discover, American Express and Diners Club, credit or debit
- ACH, with the bank account checked as open and able to take ACH before the payment goes through
Not accepted
- Paper checks
- Cash
Payment links, portal and autopay
- How you request payment
- A payment link for a set amount, tied to a policy, invoice, quote or account number. Send it by email, text or a portal
- Always-on page
- The Anytime Payments page, for your website or email signature
- Tracking
- See when a link is opened, finished or dropped
- On your website
- A checkout your web developer embeds, or your own build on the API
- Autopay
- For premium finance installments, by card or bank account
- Saved payment methods
- Saved securely so clients can pay again without retyping the details
- Branding
- Your logo and colors, plus your own styles where supported
Agency system connections
| Connects to | Type | How | What it does |
|---|---|---|---|
| AMS360 | Agency system | AMS360 app catalog | Clients look up and pay open invoices. Staff then post the receipts against those invoices |
| IPFS | Premium finance company | Built in | Finance quotes, signed agreements, down payments and updates when a loan is booked |
| INTX | Policy system | Built in | AndDone payments and IPFS financing inside INTX |
| Dyad ALIS DX | Policy system | Built in | AndDone payments and IPFS financing inside ALIS DX |
| AndDone API | Developer | API | Lets a developer build payments, financing and reports into your own systems |
The AMS360 connection needs an AMS360 app catalog subscription, an application user and an access key.
Posting and reconciliation
In AMS360, staff pick the payments, choose the bank account and click Post Receipts to apply them to the open invoices. A paid invoice can't be paid a second time.
- Reports
- A daily CSV of approvals, settlements, chargebacks and refunds
- Matching deposits
- The daily settlement report shows each payment's amount, technology fee and net, plus a payout line that matches your bank deposit
- Export
- Any time from the portal, or through a report API
- Card statement name
- You set the name clients see on their statement
Refunds, chargebacks and returns
- Voids
- Until the day's batch closes, usually 11 PM local time
- Refunds
- Full or partial, done by your staff, starting two business days after settlement. The amount comes out of your next payout
- Chargebacks
- You get an email, and the amount comes out of later payouts. AndDone support helps you fight a dispute
- Returned ACH
- Handled like chargebacks and taken from later payouts
- Who pays
- The agency. On a full refund, the technology fee also comes out of your payout
Paying carriers and vendors
- Who you can pay
- Producers for their commissions, vendors and wholesalers
- How
- Printed checks, written the same day and mailed that evening by USPS Priority Mail
- Cost
- $1.50 per check
- Tracking
- Each check shows as pending, printed, mailed or canceled. Saved templates cut repeat entry
- Where
- The same portal you collect in, or the API
Premium finance
- Lender
- IPFS, the finance company that launched AndDone. IPFS services the loans and approves each one
- How it works at checkout
- You build a quote and send one link. The client signs the finance agreement, pays the down payment and can sign up for autopay
- Pay in full
- Embedded checkout shows paying in full next to financing. On a portal quote link you choose whether to offer it
- Down payment
- Goes to IPFS by default. You can have it paid to the agency and send it to the market yourself
- What a quote needs
- Carrier, general agent, coverage, premium, policy dates, taxes and fees
- New general agents
- Take extra review time at IPFS
Getting started
Ask for a demo
AndDone quotes your rates after the demo.
Send the application
Give your business details, tax ID and proof of the business. Name at least one owner with 25% or more, or a person in control of the agency.
Verify your bank account
Send a voided check, or a bank letter or statement from the last 12 months. Choose the trust or operating account the payouts should go to.
Connect AMS360
Subscribe in the AMS360 app catalog and add an application user and access key.
Take your first payment
Share your Anytime Payments page or send a payment link.
Most teams finish setup in under a week, and you can ask for a training call. Support is by email, a support form and a help box in the portal.
Security and PCI
Security
- PCI DSS Level 1 certified
- Card numbers are swapped for stand-in codes so they aren't stored
- User roles, and API keys limited to websites you approve
- A public status page with incident history
What the agency must do
- Confirm your PCI status every year
- Use MAXpci, a partner service that handles the yearly PCI check, or file your own
- Verify a bank account in your business's name
Contract and your data
- Terms
- A custom agreement, set up after the demo
- Your data
- Export payment data and daily reports at any time
AndDone alternatives
- ePayPolicy$25 or $50 a monthPublished prices, check scanning and four finance companies at checkout
- Applied PayQuote only, plus 3.5% on cards that clients usually payBuilt into Applied Epic and EZLynx, with three finance companies
- InsurePayQuote onlySends electronic payments to carriers from your agency system
- Input 1$20 a month under $1,000 in payments, then no monthly feeConnects to HawkSoft and Momentum, with its own finance company
See every option in insurance payment processing.
Frequently asked questions
How much does AndDone cost?
There is no monthly fee or minimum. AndDone quotes its card and ACH rates after a demo.
Who pays the AndDone technology fee?
The client, unless you choose to cover it. It shows at checkout and comes out before payout.
Does AndDone work with AMS360?
Yes. Clients pay open AMS360 invoices and staff post the receipts back from the portal.
How fast are payouts, and can they go to my trust account?
Payouts start two business days after a payment is approved. You choose a trust or operating account at onboarding.
Who finances the premium?
IPFS, the finance company that launched AndDone. It is the only finance company built in.
How we researched this review. We based this review on the pricing, terms and product pages published by AndDone, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan AndDone quit selling or a contract term that reads different now, let us know and send the link to the page where AndDone has it. Somebody here pulls up that page and checks it before we change anything on ours.