Athena vs ePayPolicy

Jenesis Software

Applied Epic

ePayPolicy

ePayPolicy is a payment processing solution designed to help businesses in the insurance sector collect credit card and ACH payments from policyholders. The centralized dashboard enables administrators to track transactions, access electronic receipts, and control user permissions.

Jenesis Software is an insurance agency management solution that helps independent agencies reach out to potential prospects, manage clients, and improve relationships with policyholders. Key features include document management, cancellation tracking, renewal management, and marketing automation.

Applied Epic is a cloud-based insurance business management solution that helps agencies manage customer relationships, sales opportunities, accounting, benefits administration, and more. Key features include process management, document storage, messaging, electronic signature, and reporting.

Athena life insurance broking tool is a comprehensive solution designed for insurance distributors, agencies, brokers and resellers.  It helps calculate and display commissions or incentives for employees or franchisees and reconcile against the calculated commissions and actual commission received.

Appointment Management

Client Management

Client Portal

Image Capture

Insurance Policy Management

Lead Management

Lifecycle Management

Renewal Management

Subcontractor Management

Athena

Web-based

iPad

Windows

iPhone

Basic

Freelancers

Small Business

Large Enterprises

Mid-size Business

TIRA Software

PayPal

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Venmo

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Stripe

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Principal

I also appreciate that whenever I had a question, their customer support was quick and helpful.

Insurance Services Manager

During our initial onboarding all staff were very informative and helpful. Upon our roll out and needing assistance, customer service was just a phone call away and were very eager to assist with our questions.

Access Controls/Permissions

Accounting

Accounting Integration

ACH Payment Processing

Activity Dashboard

Activity Tracking

Alerts/Escalation

Alerts/Notifications

Audit Management

Batch Processing

Billing & Invoicing

Broker/Agent Portal

Commission Calculations

Commission Management

Compliance Management

Contact Management

Credit Card Processing

Customizable Branding

Customizable Fields

Customizable Reports

Customizable Templates

Dashboard

Data Security

Debit/Credit Card Processing

Dunning Management

Electronic Payments

Email Reminders

Integrations Management

Invoice Management

Invoice Processing

Mobile Payments

Multi-Period Recurring Billing

Multiple Payment Options

Online Payments

Partial Payments

Payment Fraud Prevention

Payment Gateway Integration

Payment Links

Payment Processing

PCI Compliance

Receipt Management

Recurring Invoicing

Recurring/Subscription Billing

Refund Management

Reminders

Reporting/Analytics

Reporting & Statistics

Search/Filter

Secure Login

Self Service Portal

Status Tracking

Third-Party Integrations

Transaction History

Transaction Monitoring

By industry, ePayPolicy reviewers are most commonly professionals in insurance (98%). The most frequent use case for ePayPolicy cited by reviewers is payment processing (75% of reviewers).

Users and use cases

Reviewers appreciate ePayPolicy’s low ACH fees and transparent pricing, and they value that costs are lower than many alternatives. However, some users report high credit card fees, non-negotiable rates, and occasional unexpected fee increases.

Value for money

ePayPolicy is a payment processing tool with key features that include payment fraud prevention, payment processing, online payments, debit/credit card processing, billing and invoicing, and more.

Chromebook

Linux

QuickBooks Online

Square Payments

Square Point of Sale

High processing fees concern

Agent

Poorly designed programming, website, payment are not easy to make and fees are much higher than others

Customer's processing fees sometimes deters them from using the ePay option

45% of reviewers feel negative about ePayPolicy’s pricing. Users think credit card and ACH fees are higher than competitors, and some reviewers find these costs difficult to explain to clients. Reviewers indicate that processing fees sometimes deter clients from using the service, especially for larger transactions. Some users report frustration with fee increases and the lack of negotiation on charges. Reviewers say the monthly fee and overall expense are significant drawbacks, with several mentioning that clients complain about paying more than necessary.

Effortless client usability

Office Manager and Commercial Department Manager

It's easy for our office and clients to navigate.

Broker

So far great had a few clients take advantage of the service made it super simple to get the business in a safe way the clients trusts.

97% of reviewers feel positive about ePayPolicy’s client experience. Users think the platform is easy for clients of all ages to navigate, with intuitive steps and a user-friendly interface. Some reviewers find that their clients trust the system, appreciating its in-house feel and secure handling of information. Reviewers indicate that the ease of use saves time for both staff and clients, and they appreciate the flexibility and convenience provided. Some users report that clients rarely have issues, and the platform’s accessibility helps with client retention and satisfaction.

Responsive customer assistance

95% of reviewers feel positive about ePayPolicy’s customer support. Users think support staff are quick to respond and helpful with onboarding, troubleshooting, and addressing questions. Some reviewers find that customer service is available by phone or chat, resolving concerns efficiently. Reviewers indicate that the support team listens to feedback and works to improve the platform. Some users report that training is informative and ongoing assistance is reliable, making their daily tasks easier. Reviewers appreciate the professionalism and attentiveness shown by the support team.

ePay has been a solid solution to managing payments from insureds to our office; with the challenges in the CA insurance markets and more customers having to use non-admitted, agency bill policies, ePay has helped make all the extra work a little easier.

Office Manager - Commercial Insurance Specialist

I'd like to suggest a feature to create/download invoice for Offline-paid invoices (if the amount is over the deposit limit).   Though the system does allow an invoice shown as paid offline, there's no receipt available to send over to the insured.

AGENCY ADMN

Has helped out office with Sales and Purchases of accepting reimbursement of Fees.   And when i easily create an invoice for the customer, it sends them the Email right then.

President

It doesn't integrate with our Premium Finance management software so we manually have to input the payments into our system so the client's policy doesn't get cancelled for lack of payment.

Account Executive

Our clients appreciate the ability to make payments quickly and easily online, whick has reduced processing time and improved cash flow on our end.

We are definitely increasing the usage and appreciate how much EpayPolicy assist in collecting the payments from the insureds, and how much time it saved from the entire process. Though I'd prefer to have an option to absorb the fees depending on the clients.

Business Support Manager

Not able to see detail invoice receipt with description that shows the client what they  paid for, when using the invoice feature.   neither we see it on the receipt)

What I like best is how seamlessly it integrates with our management system, making payment collection fast, secure, and incredibly easy for both us and our clients.

Vice President

Any reticence we had in turning over the control of our payments to a third party have been alleviated by the security and comfort we feel but the transparent and seamless integration into our agency bill business.  

I really appreciate the ability to track the progress of transactions in real time it adds a layer of transparency and confidence to the process.

Office Manager

We have to make an invoice before a client can pay, and they cannot make a payment to us for any amount other than what is invoiced.

Agency Principal

I especially like the ability to email prefilled payment pages so the client can complete the transaction on their own time.

I plan on keeping it and the monthly fee of $25 is really cheap, especially since they do notify me of the daily trasactions/receipts and the deposits to my account.

Additionally, it gives the clients the option to either use a card or an account to process a payment through a secure platform.

I love the fact that they can take credit cards, the money transfers quickly into our account, I feel like our money is safe and secure.

We have ePay set up so that is costs our users up to $10 to make an ACH payment; most customers don't mind, but I hope none of customers think it's a "junk fee".

Sometimes clients are more likely to complete a purchase when the link comes through and they do not have to share account info directly with our agents.

The ePay team doesn't hound you with marketing and upgrades, but sends periodic emails about enhancements and offerings, which is nice.

Insurance Broker

However, most are not findable when I do a search and I have to pay them via their regular link and pay the normal fee.

Ceo-President

excellent technology especially with our MGA and aggregators, I have refered at least 2 of them to epay so our payment method could become more universal.

Account Manager

Each team member can use this application and keep us current with our payments/premiums for policies.

Controller

We now only use ePay when needing to pay a carrier who we owe money to and it is still my favorite payment platform.

We no longer have to wait for a check in the mail and the option of paying electronically is a great option for our customers.

Owner

Especially if you have issued a bond that is non refundable and then you have that notice that funds were insufficent sometimes days later.

Their customer support is responsive and knowledgeable, and the dashboard gives us full visibility into every transaction.

You can take credit card payments or bank account payments from insureds in 1 easy location.  

Historically, no option to set due dates, and auto reminders for past due invoices.

Accounting and Operations

Some of the company payment limits as you don't know what they are until you make the payment and then it tells you it's more than allowed.

It especially helps with the clients who don't have access to checks to send or it gets lost in the mail.

I also really like being able to see the step by step progress of each transaction it makes the process feel transparent and secure

Being able to pay insurance companies on the due date, instead of guessing when the mail might arrive is also a bonus.

Adding ePay has made it easier to close more deals. Before I would have to turn away customers because I couldn't accept card payments.

The one thing I like least is the transactions fees, which can be a sticking point for some clients...not so much with ACH but with the credit card fees.

ePayPolicy has filled the gap with credit card processing for a low monthly fee.

We have cut down significantly on mail, checks to deposit to the bank, and following up on past due payments.

The $10,000 deposit limit per transaction can be a low limit for our Commercial Policies.

Director of Operations

I like that it provides a user friendly way for our customers to make either ACH or credit card payments.

Makes it easy for payments for my clients either through ACH or credit card payments to offer as option.

Since starting epay, we have saved a lot of headache of collecting premiums, making deposits etc.  

The high credit card processing fee and three-day waiting time for funds.

AGENT BROKER

ePayPolicy is a great tool for the smaller independent agency to use to collect premium from insureds.

VP-Operations

The reports and notification emails we receive add efficiency to our workflow.

One more draw back is customers cannot pay you over $50K unless you set something up, which i have not done yet.

ePayPolicy has all the tools and agency needs to service clients payment needs.

Commercial Agent  CSR

ease of colleting commercial payments, and being able to take credit card and EFT payments for commecial is fantastic

Using ePay services has been a great tool for us to collect premiums quicker and easier.

I like the flexibility it gives my customers to pay either via ACH or credit card.   

Principal Owner

Download invoices and transactions - downloads in excel format.

My only complaint is that our agency management system does not support ePayPolicy integration.

Staff Accountant

A self-service payment option is null & void is people still have to call in for help.  

Users report that ePayPolicy’s Payment Processing aspect streamlines receiving payments, making transactions faster and safer compared to handling checks. Reviewers indicate ePayPolicy is easy for both clients and staff, with instant notifications and clear charges. They find ePayPolicy saves time, reduces risk, and allows flexible payment options like ACH, credit, and debit. Users say ePayPolicy’s Payment Processing is reliable, user-friendly, and essential for daily operations, helping agencies retain business and increase efficiency. Of the 39 ePayPolicy users who gave detailed accounts of their use of Payment Processing, 97% rated this feature as important or highly important.

Athena vs ePayPolicy Comparison (2026)

Athena

ePayPolicy

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives