Service-Driven Agency Takes on Digital Payments
The content describes a service-driven agency's approach to digital payments, emphasizing their use of cookies—including necessary ones like Cloudflare and LinkedIn cookies—to enhance user experience, ensure site functionality, and manage privacy preferences in compliance with policies such as Google's and their own privacy policy.
We Value Your Privacy
We use cookies to enhance your browsing experience, serve personalized ads or content, and analyze our traffic. By clicking "Accept All", you consent to our use of cookies. Please see our Privacy Policy for more information.
CustomizeReject AllAccept All
Customize Consent Preferences
We use cookies to help you navigate efficiently and perform certain functions. You will find detailed information about all cookies under each consent category below.
The cookies that are categorised as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of the site.... Show more
For more information on how Google's third-party cookies operate and handle your data, see: Google Privacy Policy
NecessaryAlways Active
Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.
- Cookie
__cf_bm
- Duration
1 hour
- Description
This cookie, set by Cloudflare, is used to support Cloudflare Bot Management.
- Cookie
_cfuvid
- Duration
session
- Description
Cloudflare sets this cookie to track users across sessions to optimize user experience by maintaining session consistency and providing personalized services
- Cookie
li_gc
- Duration
6 months
- Description
Linkedin set this cookie for storing visitor's consent regarding using cookies for non-essential purposes.
- Cookie
elementor
- Duration
Never Expires
- Description
The website's WordPress theme uses this cookie. It allows the website owner to implement or change the website's content in real-time.
- Cookie
wpEmojiSettingsSupports
- Duration
session
- Description
WordPress sets this cookie when a user interacts with emojis on a WordPress site. It helps determine if the user's browser can display emojis properly.
- Cookie
m
- Duration
1 year 1 month 4 days 1 minute
- Description
Stripe sets this cookie for fraud prevention purposes. It identifies the device used to access the website, allowing the website to be formatted accordingly.
- Cookie
VISITOR_PRIVACY_METADATA
- Duration
6 months
- Description
YouTube sets this cookie to store the user's cookie consent state for the current domain.
- Cookie
_calendly_session
- Duration
21 days 1 minute
- Description
Calendly, a Meeting Schedulers, sets this cookie to allow the meeting scheduler to function within the website and to add events into the visitor’s calendar.
- Cookie
_zm_mtk_guid
- Duration
session
- Description
Zoom sets this cookie for the Zoom support team.
- Cookie
_zm_ctaid
- Duration
2 hours 1 minute
- Description
Zoom sets this cookie for the Zoom support team.
- Cookie
cookieyes-*
- Duration
1 year
- Description
CookieYes sets this cookie for consent solution management.
- Cookie
cookietest
- Duration
session
- Description
The cookietest cookie is typically used to determine whether the user's browser accepts cookies, essential for website functionality and user experience.
- Cookie
wordpress_test_cookie
- Duration
session
- Description
WordPress sets this cookie to determine whether cookies are enabled on the users' browsers.
- Cookie
CP5XKN6QLDFWUC
- Duration
session
- Description
This cookie is provided by the Calculated Fields form. This cookie is used by the online calculators on the website. Without the Calculated Fields cookie the instant quotation may not work.
- Cookie
__RequestVerificationToken
- Duration
session
- Description
This cookie is set by web application built in ASP.NET MVC Technologies. This is an anti-forgery cookie used for preventing cross site request forgery attacks.
- Cookie
ARRAffinity
- Duration
session
- Description
ARRAffinity cookie is set by Azure app service, and allows the service to choose the right instance established by a user to deliver subsequent requests made by that user.
- Cookie
ARRAffinitySameSite
- Duration
session
- Description
This cookie is set by Windows Azure cloud, and is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session.
Functional
Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.
- Cookie
lidc
- Duration
1 day 1 minute
- Description
LinkedIn sets the lidc cookie to facilitate data center selection.
- Cookie
_dc_gtm_UA-*
- Duration
1 minute
- Description
Google Analytics sets this cookie to load the Google Analytics script tag.
- Cookie
ea11y-global-state
- Duration
Never Expires
- Description
Elementor sets this cookie to store the persistent accessibility preferences selected by the user, such as panel visibility or interface adjustments, so these settings remain the same when the user revisits the sit
- Cookie
ea11y-session-state
- Duration
session
- Description
Elementor sets this cookie to temporarily store accessibility preferences for the duration of the current browsing session, ensuring the selected settings remain consistent while the user navigates the site.
- Cookie
VISITOR_INFO1_LIVE
- Duration
6 months
- Description
A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface.
- Cookie
ytidb::LAST_RESULT_ENTRY_KEY
- Duration
Never Expires
- Description
The cookie ytidb::LAST_RESULT_ENTRY_KEY is used by YouTube to store the last search result entry that was clicked by the user. This information is used to improve the user experience by providing more relevant search results in the future.
- Cookie
_zm_chtaid
- Duration
2 hours 1 minute
- Description
Zoom sets this cookie to facilitate video conferences via zoom from the website.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.
- Cookie
__Secure-YNID
- Duration
6 months
- Description
YouTube cookie used to protect user security and prevent fraud, especially during the login process.
- Cookie
_ga
- Duration
1 year 1 month 4 days 1 minute
- Description
Google Analytics sets this cookie to calculate visitor, session and campaign data and track site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors.
- Cookie
_gid
- Duration
1 day 1 minute
- Description
Google Analytics sets this cookie to store information on how visitors use a website while also creating an analytics report of the website's performance. Some of the collected data includes the number of visitors, their source, and the pages they visit anonymously.
- Cookie
_ga_*
- Duration
1 year 1 month 4 days 1 minute
- Description
Google Analytics sets this cookie to store and count page views.
- Cookie
__rafm
- Duration
session
- Description
Ruler analytics sets this cookie to monitor and analyse the effectiveness of our online marketing spend.
- Cookie
pardot
- Duration
past
- Description
The pardot cookie is set while the visitor is logged in as a Pardot user. The cookie indicates an active session and is not used for tracking.
- Cookie
ajs_anonymous_id
- Duration
Never Expires
- Description
This cookie is set by Segment to count the number of people who visit a certain site by tracking if they have visited before.
- Cookie
ajs_user_id
- Duration
Never Expires
- Description
This cookie is set by Segment to help track visitor usage, events, target marketing, and also measure application performance and stability.
- Cookie
YSC
- Duration
session
- Description
YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages.
- Cookie
vuid
- Duration
1 year 1 month 4 days 1 minute
- Description
Vimeo installs this cookie to collect tracking information by setting a unique ID to embed videos on the website.
- Cookie
navless-live-visitor
- Duration
1 year 1 month 4 days
- Description
Description is currently not available.
- Cookie
__hstc
- Duration
6 months
- Description
Hubspot set this main cookie for tracking visitors. It contains the domain, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session).
- Cookie
hubspotutk
- Duration
6 months
- Description
HubSpot sets this cookie to keep track of the visitors to the website. This cookie is passed to HubSpot on form submission and used when deduplicating contacts.
- Cookie
__hssrc
- Duration
session
- Description
HubSpot cookie sets this cookie to determine if the visitor has restarted their browser. If this cookie does not exist when HubSpot manages cookies, it is considered a new session.
- Cookie
__hssc
- Duration
1 hour
- Description
HubSpot sets this cookie to keep track of sessions. This is used to determine if HubSpot should increment the session number and timestamps in the __hstc cookie. It contains the domain, viewCount (which increments with each pageview in a session), and session start timestamp.
Performance
Performance cookies are used to understand and analyse the key performance indexes of the website which helps in delivering a better user experience for the visitors.
- Cookie
_uetsid
- Duration
1 day
- Description
Bing Ads sets this cookie to engage with a user that has previously visited the website.
- Cookie
_uetvid
- Duration
1 year 24 days
- Description
Bing Ads sets this cookie to engage with a user that has previously visited the website.
- Cookie
nitroCachedPage
- Duration
session
- Description
Description is currently not available.
Advertisement
Advertisement cookies are used to provide visitors with customised advertisements based on the pages you visited previously and to analyse the effectiveness of the ad campaigns.
- Cookie
__Secure-ROLLOUT_TOKEN
- Duration
6 months
- Description
Description is currently not available.
- Cookie
__Secure-YEC
- Duration
past
- Description
Description is currently not available.
- Cookie
_rdt_uuid
- Duration
3 months
- Description
Reddit sets this cookie to build a profile of your interests and show you relevant ads.
- Cookie
bcookie
- Duration
1 year
- Description
LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser IDs.
- Cookie
_gcl_au
- Duration
3 months
- Description
Google Tag Manager sets this cookie to experiment advertisement efficiency of websites using their services.
- Cookie
_fbp
- Duration
3 months
- Description
Facebook sets this cookie to store and track interactions.
- Cookie
MUID
- Duration
1 year 24 days
- Description
Bing sets this cookie to recognise unique web browsers visiting Microsoft sites. This cookie is used for advertising, site analytics, and other operations.
- Cookie
test_cookie
- Duration
16 minutes
- Description
doubleclick.net sets this cookie to determine if the user's browser supports cookies.
- Cookie
IDE
- Duration
1 year 24 days
- Description
Google DoubleClick IDE cookies store information about how the user uses the website to present them with relevant ads according to the user profile.
Uncategorised
Other uncategorised cookies are those that are being analysed and have not been classified into a category as yet.
- Cookie
_zitok
- Duration
1 year
- Description
Description is currently not available.
- Cookie
_helpjuice_session_v4
- Duration
1 month
- Description
Description is currently not available.
- Cookie
__Secure-BUCKET
- Duration
6 months
- Description
Description is currently not available.
Reject AllSave My PreferencesAccept All
Powered by 
Service-Driven Agency Takes on Digital Payments
Specialty Risk Insurance is a customer service-driven agency with three offices in Missouri, as well as an office in Oklahoma and Texas. They are proud to live in the industries they serve which gives them a unique edge when understanding specific policies and products. Specialty Risk is a full-service agency—insuring everything from agribusiness, construction, livestock, energy/oil, trucking, farm and ranch, and personal lines. Since 2012, they have felt a personal responsibility to make insurance as easy as possible for their customers.
Decision to Offer Digital Payments
Kevin Charleston (founder/principal), Robin Smith (account manager), and Denise Kinman (accounting) researched multiple options for digital payments but ultimately decided ePayPolicy was best for their customers. Denise says, “When I realized how easy it was from the customer stand-point, and the fact that ePayPolicy has the strictest data security protocols among payment processors, it was a no-brainer for our agency.”
For Specialty Risk, customer service is the foundation of the business—their agents are on the road meeting with current and potential clients at their place of business. They are taking payments on the spot, which is where the convenience of digital payments comes in.
When opening their Texas office Kevin says, “We really wanted to streamline and speed up the payment process for them right out of the gate.” ePayPolicy allowed this to happen with peace of mind from a security standpoint.
Research and Vendor Selection
Specialty Risk looked into multiple options for online payment systems, but most fees were “ridiculous.” What sold them on ePayPolicy? Denise shared “Part of our research was looking closely at cybersecurity. We never want to put our customers’ financial integrity at risk. ePayPolicy is PCI level 1 compliant. They purge everything. That was a major deciding factor.”
The agency has been using the basic payment page from ePayPolicy since 2018 and with the recent implementation of CSR24, they’re excited to set up the integration between the two systems and activate bill pay pay (at no extra costs).
Experience with ePayPolicy
The ePayPolicy payment page was set up and Specialty Risk was accepting digital payments from customers in just a few days. Agents and customers all agree “It was way too easy!”
Specialty Risk Insurance doesn’t push digital payment but rather “gives their customers the option as an alternative to cash or checks. Right now, $1 out of every $7 of customer deposits are digital. Most are ACH, with some debit/credit card usage.”
Kevin mentioned “With COVID, it’s been invaluable. We have a wide age range of customers, some 70+, and ePayPolicy allows us to serve them without making physical contact. After customers experience the ease of instant payment, they don’t go back.”
Benefits to the Agency
The Accounting department benefits the most from ePayPolicy, Denise mentions.
- 1.It streamlines the deposit process. “Not having to physically touch every check is helpful. Now we are able to just upload and record the batch on the back side.”
- 2.It speeds up our aged receivable dates. “It is nice to get paid faster, not having to wait days or weeks for payments to arrive by mail.”
- 3.It has decreased expenses for the agency and for customers. “Some customers want to pay by phone, but a wire or ACH transfer can cost anywhere from $30-$40 to send and receive. ePayPolicy has a $3 ACH fee or flat rate for credit card transactions, that is passed along to the customer at the point of payment.”
With customer service at the forefront of what Specialty Risk believes in, they “were worried about losing the personal touch of picking up checks in person. As it turns out, this is simpler for them. Customers appreciate the ease and speed of doing business with us,” says Robin.
Specialty Risk also serves as a brokerage. “With Livestock Insurance Exchange, ePayPolicy makes payments easier for our brokers too.”
Advice to Other Agencies
Kevin, Robin, and Denise agree that offering credit card and ACH payments is a competitive “must,” especially in the age of COVID. “We’re happy to talk to other agencies about the technology we’re using” offers Kevin. “ePayPolicy is perfect for independent insurance agencies because it’s designed for our needs. MAIA recommends them. And we do, too.”
Share this Post
Steve Miller
More from Post: Service-Driven Agency Takes on Digital Payments
Comparison: ePayPolicy vs. Stripe
This comprehensive overview compares an industry-specific financial hub, ePayPolicy, against generic all-purpose payment processors like Stripe.
September 10, 2026
Why Modern Carriers Need Purpose-Built Premium and Claims Processors
Rethinking generic payment gateways, and the power of specialization.
September 3, 2026
ePayPolicy Makes Inc. 5000 List for 5th Year in a Row
Inc. today announced that ePayPolicy is No. 2267 on the annual Inc. 5000 list, the most well-known ranking of the fastest-growing private companies in America.
August 11, 2026
“It’s How We’ve Always Done It” Is the Most Expensive Sentence in Insurance Receivables
Still accepting checks in 2026? Your finance team probably needs a hug, as well as a serious payment upgrade. We’ve
August 3, 2026
Checklist: 6 Ways to Automate for Smarter Insurance Operations this Summer
Maximize your summer: Explore 6 powerful insurance automation workflows. This guide helps insurance businesses optimize operations, enhance productivity, and achieve cost savings through digital transformation.
June 24, 2026
What 6,000 Insurance Leaders Were Actually Whispering About at Insurtech Insights USA
There is currently a pretty stark gap between the insurance companies building their businesses intentionally for the future and those
June 11, 2026
Shopping Basket
WHAT ACTUALLY MAKES EPAYPOLICY DIFFERENT?
Here are 11 reasons that over 10,000+ insurance organizations choose ePayPolicy.