Input 1 review for insurance agencies: fees, deposits and agency system connections
Input 1 Digital Payments lets clients pay premium by card or ACH from a prefilled link or a portal branded to your agency. Payments can be deposited in batches, and HawkSoft agencies get a daily payment report.
It fits HawkSoft and Momentum agencies, and members of the Strategic Insurance Agency Alliance (SIAA), that also want premium finance. The only published charge is $20 a month, and only when monthly payments total less than $1,000.
- Best for
- HawkSoft, Momentum and SIAA agencies that want payments and premium finance from one company
- Type
- Payment platform with premium finance through gotoPremiumFinance
- Monthly price
- $20 a month when payments are under $1,000 a month. $0 at $1,000 or more
- Agency systems
- HawkSoft, Momentum AMP and SIAA Xchange
- Premium finance
- gotoPremiumFinance, an Input 1 company
Our take
Input 1 is a billing and premium finance company that also takes payments. For an agency, that means card and ACH collection plus loans from gotoPremiumFinance, an Input 1 company.
It fits best when you already run HawkSoft or Momentum, since the connection is built in, or belong to SIAA Xchange. Much of the rest of Input 1 is built for carriers, MGAs and banks.
Input 1 publishes less than the others here. Get the card and ACH rate, who pays it and the refund and chargeback rules before you sign.
Pros
- No setup fee, and no monthly fee once payments reach $1,000 a month
- Payments and premium finance from one company
- Built-in connections to HawkSoft and Momentum
- Recurring card and ACH payments from HawkSoft data
- SIAA Xchange members can move eligible excess and surplus (E&S) business to direct bill, where Input 1 bills the client and sends the agency its commission
Cons
- A monthly fee when payments total less than $1,000 a month
- Card and ACH rates aren't published
- Refund, chargeback and deposit timing rules aren't published
- No mailed checks, except for carriers and MGAs running their own finance program on Input 1
Plans and fees
- How it's priced
- A flat monthly fee that drops to $0 once monthly payments reach $1,000
- Monthly fee
- $20 when payments come to less than $1,000 in a month. $0 at $1,000 or more
- Setup
- $0
From input1.com/faqs, as of October 2026. Input 1 doesn't publish its card or ACH rate or say who pays it.
Good to know before you buy
- The monthly fee depends on the dollars you collect, not on how many payments you take.
- Input 1 was named a preferred payments vendor for SIAA member agencies in 2021.
- Managed Billing, its largest product, is built for carriers, MGAs and banks rather than agencies.
Deposits, refunds and chargebacks
Get these rules in writing. Input 1 publishes no deposit timing and no rules for refunds, chargebacks or returned ACH payments. Ask sales who pays each one and how fast deposits land before you sign.
Ways clients can pay
Accepted
- Credit and debit cards
- ACH and electronic checks
Not accepted
- Mailed checks, except for companies running their own finance program on Input 1
Payment links, portal and autopay
- How you request payment
- Payment links with the client's details filled in
- Client portal
- Payment portals and forms branded to your agency
- Autopay
- Recurring payments are supported. HawkSoft agencies can set up recurring card or ACH payments from HawkSoft
- Saved payment methods
- Customer profiles are saved for the next payment
- Notices
- Payers get automatic notifications
Agency system connections
| Connects to | Type | How | What it does |
|---|---|---|---|
| HawkSoft | Agency system | Built in | Uses HawkSoft data for payments, recurring payments and financing, with a daily payment report |
| Momentum AMP | Agency system | Built in | Input 1 is one of the payment options built into Momentum |
| SIAA Xchange | Agency network | API and single sign-on | Direct bill, installments, payments and commission payouts on eligible excess and surplus (E&S) business |
| Input 1 API | Developer | API | Connects Digital Payments to your other systems |
The SIAA Xchange service went live July 20, 2026. Input 1 also connects to carrier and MGA systems such as Jetfile, OneShield and INTX.
Posting and reconciliation
HawkSoft agencies get a daily detail of every payment to reconcile against.
- Deposit batches
- Payments can be deposited in batches
- Reports
- A daily detail of all payments made
Paying carriers and vendors
Input 1 doesn't pay carriers or vendors for you. The one outgoing payment is commission for SIAA Xchange members.
- Who gets paid
- SIAA Xchange member agencies, for their commission
- How
- Input 1 direct bills eligible E&S policies, collects the installments and sends the agency its commission
- Why it helps
- Members can offer direct bill even when the market doesn't
Premium finance
- Lender
- gotoPremiumFinance, an Input 1 company, with a California premium finance license
- How it works
- Finance agreements are sent online and the policy is funded automatically
- At the point of sale
- HawkSoft agencies can offer financing when the client pays, using the client data already in HawkSoft
- Your own program
- Premium Finance as a Service lets a carrier, MGA, agency or bank run its own branded finance program on Input 1's software and back office
Getting started
Contact Input 1 sales
Ask for the card and ACH rate and who pays it.
Connect your agency system
HawkSoft and Momentum agencies use the built-in connection. SIAA Xchange members sign up through Xchange Billing Services.
Go live
Digital Payments can often be running within a few days.
Sales: 888-882-2554 or info@input1.com.
Security and PCI
Security
- PCI DSS Level 1 for Digital Payments
- Regular SOC audits for Managed Billing and Premium Finance as a Service
- Saved customer profiles for repeat payments
Input 1 alternatives
- ePayPolicy$25 or $50 a monthConnects to HawkSoft and Momentum, and publishes plan prices
- AndDoneNo monthly fee. Card and ACH rates by custom quoteIPFS financing at checkout and AMS360 receipt posting
- InsurePayQuote onlyPays carriers electronically and sends premium refunds to clients
- Applied PayQuote only, plus 3.5% on cards that clients usually payBuilt into Applied Epic and EZLynx, with a check lockbox
See every option in insurance payment processing.
Frequently asked questions
How much does Input 1 cost?
There is no setup fee. Digital Payments costs $20 a month when payments total less than $1,000, and nothing monthly above that.
Who pays the card fee with Input 1?
Input 1 doesn't publish its card or ACH rate or who pays it. Get both from sales.
Does Input 1 work with HawkSoft?
Yes. HawkSoft agencies can take payments, set up recurring payments and offer financing from HawkSoft data.
Is Input 1 a premium finance company?
Yes. The loans come from gotoPremiumFinance, an Input 1 company. Input 1 also runs finance programs for other companies.
How we researched this review. We based this review on the pricing, terms and product pages published by Input 1, 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 Input 1 quit selling or a contract term that reads different now, let us know and send the link to the page where Input 1 has it. Somebody here pulls up that page and checks it before we change anything on ours.