Waypoint Suites / Billing Portal

Precision-engineered premium billing and financial ledgering

Payment plans, policy billing, the delinquency queue, agency bill, commissions, disbursements and reconciliation — premium only, on a ledger that records money and never holds it.

Waypoint holds no premium and moves no money: every receipt, remittance, commission payment and refund records money that moved in your own accounts, and reconciliation is computed live from that one ledger.

See the engines run What it solves for

Flawless Premium Scheduling

Premium scheduling

Configuration

Custom Configuration

Tailor installment schedules, down payments, and collection rules around your specific filed rate books rather than rigid system limitations.

Configuration

Validation

Pre-execution Validation

Installment schedules are completely validated and proven accurate prior to committing or writing to the database.

Schedules

Itemization

Discrete Itemization

Taxes, surcharges, and fees are itemized separately at the transaction layer for pristine financial clarity and reporting.

Schedules

Installment schedules are validated end to end before they touch the database, so an imbalanced split is refused rather than reconciled after the fact.

A Ladder That Runs On The Periods You Enter

Delinquency management

Rung one

Notice

Counted in days past the oldest past-due invoice’s due date. Each nightly sweep moves a policy at most one rung, and paying or voiding the past-due invoice cures the cycle.

Delinquency

Rung two

Cancel Pending

The next rung, on a later sweep. Hold, waive the next rung or extend the trigger date — each with a reason on the record. Nobody can skip a rung.

Delinquency

Rung three

Review, Then Cancellation

The sweep opens a review before any cancellation, and cancels through the one policy lifecycle door only after your review window ends.

Delinquency

Notice periods are entered per state and line, and ship empty. A policy in a state with none entered does not move at all, and the dashboard names the states that are not running.

Systemic batch processing and safeguards

Financial Operations Run Under Dedicated System Identities

Financial operations are executed via dedicated system identities to ensure absolute processing transparency and isolate automated functions from human intervention.

That separation is what makes a sweep auditable: an automated collection run can never be mistaken for somebody’s afternoon, and no screen offers a control whose blast radius is the whole book.

Automated Batch Execution

Collections and billing sweeps run as hands-free system batches under non-human service identities, establishing clean, verifiable operational lines.

Scheduled, Not Pressed

The delinquency sweep runs every night on a schedule. No screen that can cancel a policy has a “run now” button.

Bulk-action Safeguards

Strict platform guardrails prevent unauthorized bulk actions, completely eliminating accidental book-wide modifications.

Access

Entitlement first. Role second. Both default to no.

Your entitlements decide whether this portal exists for your organization at all. A person’s role decides what they may do inside it. The order is enforced on the server on every request.

Every Billing Portal page needs the Billing Portal entitlement and the page granted to the role. The nightly sweep runs under the organization’s billing batch role, so an automated run is never mistaken for a person’s.

Role catalog — Billing Portal

Billing Supervisor Billing Clerk Finance IT Billing Admin Billing batch role (service)

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.

Overcoming core financial and billing inefficiencies

Challenge, solution, module

Mathematical validation

"The installments do not add up to the premium."

Systemic mathematical validation: math logic prevents penny rounding errors; installment splits are mathematically proven before posting.

Billing Core

Regulatory compliance

"We sent a notice with the wrong statutory period."

Notice periods are the ones you enter per state and line; a state with none entered does not run rather than running on a guess.

Billing Settings

Operational guardrails

"Somebody swept the whole book by mistake."

Fail-safe operational guardrails: enterprise security controls and system batch locks protect against catastrophic bulk actions.

Batch Management

Commission integrity

"Agency and carrier commission numbers disagree."

Unified commission ledger: features a single source of truth for splits, ensuring carrier and agency data matches exactly.

Producer Ledger

Agency bill

"Agencies never tell us what they paid."

Monthly agency bill statements answered line by line — on screen, by spreadsheet or from the agency’s own software — with a firm, automatic past-due path.

Agency Bill

Live reconciliation

"Reconciliation is a spreadsheet somebody rebuilds."

Computed live from the ledger each time it opens: invoiced, received, refunded, outstanding, commission accrued and paid.

Reconciliation

Extended portal integrations

This financial core dynamically bridges into specialized functional interfaces across your enterprise ecosystem.

Underwriting Portal Syncs premium schedules and filed rate rules directly into binding workflows. Commissions Schedules, overrides and bonuses — rate times a rating run, never typed. Producer Portal Provides brokers and agents with real-time clarity into statements, policies, and commission splits.

Radical transparency: roadmap alignment

We believe in open engineering and clear product boundaries. We are happy to show you exactly what is live today, what is actively under development, and what is on our mid-term roadmap. Challenge us with your specific operational requirements, and we will tell you precisely how we support them today or exactly how they map to our upcoming releases.

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