Insured and third-party billing with configurable premium and fee billing are fully supported. Online payment by credit card or ACH electronic funds transfer is supported for initial and scheduled installment payments via the same payment gateway. Notably, no credit card or ACH information is ever displayed or stored in the insurer database, which completely obviates the possibility of a data breach involving this information. Refunds are authorized by responsible insurance personnel, while the check approval and printing processes are managed by accounting personnel. Receivables and payables accounting are available with custom integration to the insurer’s general ledger system.