Smarter Premium Payments with SmartPay’s PayGo Platform
Flexible, Scalable, and Built for the Insurance Industry
SmartPay is an industry-leading provider of Pay-As-You-Go (PayGo) insurance payment solutions, specializing in workers’ comp and other lines of insurance where premiums are based on variable exposures. We offer insurance providers, agents, payroll companies, and policyholders an end-to-end, flexible billing experience.
Our powerful SaaS platform is purpose-built, web-based, and supported by a U.S.-based, in-house development team. Designed for scalability, security, and reliability, SmartPay’s flexible platform adapts to your unique needs and integrates seamlessly with your current systems.
Founded in 2010 by an insurance agency responding to real-world demand, SmartPay has grown into the most trusted PayGo solution in the industry. Whether you’re a small business or a national insurance provider, we deliver unmatched flexibility, robust technology, and hands-on support. We are dedicated to understanding and delivering on what it means to be a true partner. Today, we partner with:
Insurance Providers
Insurance Agents
Payroll Companies
Active Policyholders
Maximum Flexibility
SmartPay is built to work with your systems, not against them, seamlessly integrating into your existing workflows and meeting you where you are.
Meaningful Partnership
We’re more than a billing solution—we're your strategic partner. We understand the complexities of premium billing and tailor our services to meet your needs and goals.
Leading-Edge Technology
Our best-in-class, SaaS-based platform is secure, scalable, and adaptable. We continuously enhance it with direct feedback from our users and our in-house development team.
Outstanding Customer Care
With SmartPay, your support comes directly from our in-house Customer Experience, IT and Development teams who deliver consistent, knowledgeable, and responsive service.
Streamline payments.
Simplify audits.
Unmatched service.
Streamline payments.
Simplify audits.
Unmatched service.
PayGo 101: What Is Pay-As-You-Go?
Pay-As-You-Go (PayGo) is a smarter, more accurate way to pay for workers’ compensation insurance. Instead of relying on estimated payroll, SmartPay calculates premiums in real time—based on actual reported payroll data.
Key Benefits of PayGo:
No More Audit Surprises
Premiums are based on reported payrolls, improving accuracy and reducing the risk of large audit adjustments.
Improved Cash Flow
Payments are made as payroll is processed, eliminating large upfront costs and aligning payments with cash flow.
Predictability and Simplicity
PayGo accounts for seasonal changes and staffing shifts, ensuring you only pay what you owe, when you owe it.
Same Coverage, Smarter Billing
Rates and coverage stay the same as traditional plans, but the billing experience is far superior.
Set It and Forget It
With payroll integration and automated billing, there are no checks to write and no dates to track. You get smooth, accurate payments every time.
Easy to set up, simple to use, and built to reduce headaches, PayGo is the smart choice for growing businesses that want clarity and control.
Seamless Payroll Reporting, No Matter Your Payroll Provider
Not all payroll providers connect directly to the SmartPay platform—and that’s where SPRS comes in. The SmartPay Payroll Reporting Service (SPRS) gives policyholders the flexibility of Pay-As-You-Go billing while continuing to work with their preferred payroll companies.
Easy setup with any payroll provider that doesn’t directly integrate with SmartPay
SmartPay handles payroll reporting each pay cycle—saving time and reducing errors
Ensures accurate, up-to-date payroll data for smarter premium payments
Any policyholders with a Workers’ Comp Report are eligible. SPRS works with providers such as ADP, Paychex, Intuit, and many others. In cases where a Workers’ Comp Report is not available, alternative reports may be accepted.
With SPRS, policyholders get the same accuracy and convenience as integrated users without giving up their payroll company of choice.
SmartPay Makes Billing Work for Everyone
Our platform is built to support every player in the insurance ecosystem—from providers to policyholders. Explore how SmartPay’s flexible billing solutions fit your role:
SmartPay is trusted by leading insurance providers, agents, and payroll companies across the United States. Whether you need a seamless billing platform or a better experience for your clients, we are ready to help.
Contact us today to learn how SmartPay can be the right solution for your business.