Waypoint Suites / Billing Portal
Premium that reconciles to the cent, or refuses to post
Rating and premium billing on your own filed rate book: schedules, installments, delinquency, commissions, refunds and a reconciliation screen that gets used every month forever.
The engines are complete and tested. The dedicated screens over them are the current build phase — and we would rather say that here than let you discover it in a demo.
See the engines runProblem 1 — Arithmetic
A schedule that cannot fail to add up
Plans
Yours, not ours
Annual, semi-annual, quarterly, monthly or custom — payment plans are organization configuration. The platform ships none.
Schedules
Proven before written
The split is checked against the rated total to the cent before a single installment row is committed.
Fees
Itemized separately
Per-installment fees never contaminate the premium arithmetic — they are their own lines.
Problem 2 — Statutory risk
Delinquency that will not guess a notice period
Notice
Rung one
The first formal notice, at the duration your state and line require.
Cancel pending
Rung two
The account advances only on a sweep, never by a click, and the history is append-only.
Cancellation
Rung three
The end state — reached through the single policy transition door, with the reason recorded.
No run-now button
Collection is a batch, under an identity that is not a person
Sweeps run on a schedule under a dedicated non-human identity. There is deliberately no “run now” control on a screen that can advance accounts toward cancellation — the blast radius of a misclick is too large to allow one.
Scheduled only
The sweep is the only thing that advances a delinquency rung.
Re-run a failure
IT Billing Admin, for a batch that failed — not for one that ran.
One account
Billing Supervisor may include or exclude a single account from the next run.
Refunds
Same authority ladder as claim payments. No separate, softer path.
Role catalog — specified, building ahead of the screens
Per-portal role catalogs are documented in the platform guide and build ahead of the Billing Portal screens. We list them here as specified rather than shipped.
Commissions accrue as premium is earned and resolve through the agency hierarchy. Carrier-side and agency-side views read from one service, so the two numbers cannot disagree.
What it solves
The split is proven against the rated total before any row is written. Failure is a refusal, not a rounding note.
Delinquency refuses to run in a state whose timers have not been entered. No guessed defaults exist to get wrong.
There is no run-now button. Sweeps are scheduled under a non-human identity; a failed batch can be re-run, a successful one cannot.
Both views read from one service off one accrual, so there is no second calculation to drift.
It is a first-class screen: installments against rated premium, ledger against collected, commissions accrued against owed.