SmartPay FAQ
Have questions about PayGo workers’ comp, billing, or how SmartPay works? We’ve got answers.
General
What is Pay-as-You-Go (PayGo) workers’ comp?
PayGo allows businesses to pay workers’ comp premiums based on actual payroll data rather than estimated annual payrolls.
How is PayGo different from traditional billing?
Unlike traditional plans, PayGo spreads payments across payroll cycles, improving cash flow and reducing audit surprises.
For Policyholders
How does this affect the final audit?
Your insurance provider will still perform an audit at the end of the policy term. With accurate and timely reporting of payroll during the policy term, there will likely be very little to no premium adjustments, and the audit process will be much more efficient.
Can I use SmartPay with my current payroll company?
Yes, whether you connect with our network of nationwide payroll partners, choose to self-report or utilize SmartPay Payroll Reporting Service (SPRS) our reporting options ensure easy and accurate payroll reporting.
For Providers & Agents
How many providers and programs does SmartPay work with?
SmartPay connects with over 80 PayGo programs and premium finance companies.
Can I customize the SmartPay platform for my business?
Absolutely. Our platform is highly configurable and supported by in-house developers.
For Payroll Companies
What does integration involve?
SmartPay offers a no-cost, one-time connection to give you access to our entire provider network.
Do I have to change how I work with insurance agencies?
No—SmartPay supports any agency your client chooses to work with.