Premium billing that
never lets a policy lapse
Every failed premium payment is a lapse risk, an E&O exposure, and a churned client. Sterling Ridge gives agencies and carriers recurring premium billing with intelligent retry logic — cutting missed payments by up to 60% and keeping books of business intact.
No surprises. No shutdowns. No stress.
Amount due
$12,400
A+BBB RatingAccredited Business
4.8/5GoogleCustomer reviews
4.5/5MetaCustomer reviews
5/5Merchant MaverickExpert review
Top RatedTop Credit Card Processors2026
#2,150Inc. 5000Fastest growing
Why insurance merchants
outgrow mainstream processors
These aren't edge cases — they're the predictable failure modes of processors that were never built for your category.
Failed payments become lapsed policies
An expired card silently fails, the grace period runs out, and a client discovers at claim time they're uninsured. Retry logic and card updating catch the failure before it becomes a lapse.
Chasing premiums by hand
Staff hours go to calling clients about missed payments and processing one-off catch-ups. Automated recurring billing with reminders does the chasing for you.
Card fees on large premiums
Commercial premiums run four and five figures — 3% card fees on those are real money. ACH billing under 2% (often a flat fee) preserves margin on every large account.
Key features built for
insurance merchants
Everything below is included with your account — no add-on modules, no upsells.
Recurring premium billing
Monthly, quarterly, or annual schedules per policy, with proration and mid-term change handling built in.
Intelligent retry & card updating
Failed payments retry on an optimized schedule and expired cards refresh automatically — the machinery behind up to 60% fewer missed payments.
Lapse-prevention notifications
Clients get proactive reminders before drafts and instant alerts on failures, with a self-service link to fix payment details in seconds.
ACH premium collection
Bank-draft premiums via Sterling ACH cost under 2% and don't expire like cards — the ideal default for commercial books.
Agency system compatibility
Works alongside your agency management system with exportable reconciliation, so billing status is visible where your CSRs work.
Carrier & MGA payouts
Remit to carriers and pay producers via mass ACH payouts, fully documented for trust accounting.
Sterling Ridge vs
standard processors
Swipe horizontally to compare →
| What you get | Sterling Ridge | Standard processors |
|---|---|---|
| Policy-aware recurring billing | ||
| Optimized retry logic on failed premiums | ||
| Automatic card updating | ||
| ACH premiums under 2% | ||
| Lapse-prevention notifications | ||
| Producer & carrier payout rails | ||
| Dedicated account manager | ||
| Accepts major credit cards |
Your trusted insurance
payments partner
Upfront underwriting instead of surprise shutdowns, 25+ acquiring banks instead of a single point of failure, and a dedicated account manager who knows your file by name. That's why insurance merchants stay with us for years.
Approval rate
Acquiring bank partners
Next-day funding
High-risk approval time
Insurance sub-verticals
we serve every day
Ready to process as a
insurance merchant?
Tell us about your business and a payment specialist who knows your industry will reach out — usually the same day.
- 99% of applicants approved
- Same-day review for most files
- No long-term contracts or hidden fees
- Prior shutdowns don't disqualify you
Get Started
Start accepting payments as a insurance merchant — no contracts or hidden fees.
You're in good company
with our processing services
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
Insurance merchants ask,
we answer.
Three layers: optimized retry schedules that re-attempt failed drafts at high-success windows, automatic card account updating for expired cards, and proactive client notifications with self-service fixes. Agencies moving from basic billing to this stack see missed payments drop by half or more — one of our insurance clients cut them 60%.
Industries we serve
beyond yours
60+ verticals, one processor that says yes.
Your industry isn't a problem.
It's our specialty.
Get approved as a insurance merchant and start processing within days — not months.
Get started with Sterling RidgeNo long-term contracts · No setup fees · No cancellation fees