AndDone
AndDone is an insurance-specialized payment platform, subsidiary of IPFS (Imperial PFS), that unifies payment acceptance, embedded premium finance, and outbound disbursements for insurance agencies, wholesalers, MGAs, carriers, and insurtech platforms via portal, anddone.js, and APIs.
- Company typePrivate
- Founded2020
- HeadquartersKansas City, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What AndDone does
AndDone is a US-based, insurance-specialized payment platform that unifies inbound payment acceptance, embedded premium finance, and outbound disbursements into a single dashboard for insurance agencies, wholesalers, MGAs, and carriers. Founded in 2020 and operating as AndDone, LLC under parent IPFS (Imperial PFS) — North America's largest premium finance company by amount financed — the company offers a hosted portal, embedded anddone.js checkout, and full REST APIs, with native integration into Vertafore's AMS360 agency management system. The platform is PCI-DSS Level 1 certified and supports credit card, ACH, premium finance, and outbound ACH/check flows, with AndDone Ally providing a platform enablement layer for insurtechs and program administrators to manage sub-merchant networks.
The product architecture has expanded sequentially since founding: Anytime Payments and Payment Links (2021), Open APIs (2022), anddone.js with tokenization (2023), Embedded Premium Finance (2024), and Outbound Payments plus AndDone Ally (2025). Revenue is generated entirely through transaction-based fees across payment processing, premium finance flows (powered by IPFS), outbound disbursements, and platform enablement, with flat-rate pricing, no subscription fees, and no minimums. Distribution combines self-serve onboarding for small agencies, direct enterprise sales for larger platforms, and embedded OEM partnerships — most notably the January 2026 integration with Dyad's ALIS DX platform for MGAs and wholesalers.
AndDone firmographics
Firmographics- Name
- AndDone
- Legal name
- AndDone, LLC
- Website
- https://anddone.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- AndDone is an insurance-specialized payment platform, subsidiary of IPFS (Imperial PFS), that unifies payment acceptance, embedded premium finance, and outbound disbursements for insurance agencies, wholesalers, MGAs, carriers, and insurtech platforms via portal, anddone.js, and APIs.
- Ownership category
- akta.pro rank
AndDone industry classification
Industry- Product category
- Insurance Payments Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industry
- Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where AndDone is headquartered
LocationHeadquarters
- HQ city
- Kansas City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
AndDone business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Payment Processing: Transaction-based fees for processing credit card, ACH, and digital payments. No subscription fees, no SaaS fees, and no minimums. Flat-rate pricing model for payment acceptance.
- Premium Finance: Premium financing services offered in partnership with IPFS, enabling agencies to offer pay-in-full and financing options. Revenue generated from financing-related transaction fees.
- Outbound Payments: Fees for disbursing funds to agents, wholesalers, and partners, including commissions, vendor payments, and accounts payable via ACH or check.
- AndDone Ally Platform Enablement: Platform enablement services for insurtech platforms managing multiple customers or partners, with API-first infrastructure for account creation, payment setup, and reporting.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Flat-rate pricing with no SaaS fees or minimums |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
AndDone product offering
Product offeringCore offering
AndDone provides a unified, insurance-specific payment platform that enables agencies, brokers, wholesalers, MGAs, and carriers to accept card and ACH payments, embed premium finance quoting (powered by IPFS), and disburse outbound funds for commissions and vendor payables in a single workflow. The platform is delivered through the AndDone Portal dashboard, anddone.js JavaScript SDK, and REST APIs, with PCI-DSS Level 1 tokenization and native AMS360 integration.
Product overview
AndDone is a unified insurance payments platform that lets users accept payments, finance premiums, and send outbound funds—all in one place. The platform operates as a platform-plus-modules architecture consisting of core products (Accept Payments, Premium Finance, Outbound Payments) unified through the AndDone Portal dashboard, with additional platform offerings (AndDone Ally for platform enablement, AndDone Core for merchant relationship management). Developer tools include anddone.js, Client Libraries on GitHub, and API Explorer. The platform supports no-code portal setup, embedded checkout options, and full API integrations, with premium finance backed by IPFS.
Differentiator
Problem solved
Functional benefit
Products and services
- Accept Payments Flexible payment acceptance product enabling insurance businesses (agencies, brokers, wholesalers, carriers) to collect credit card, ACH, and digital payments through a hosted AndDone Portal, embedded checkout options, or custom REST APIs, with PCI-DSS Level 1 tokenization and high transaction limits.
- Premium Finance Embedded premium financing solution for agencies, wholesalers, and carriers that quotes pay-in-full and IPFS-backed financing options side by side inside a single checkout flow.
- Outbound Payments Automated outbound payment product that lets agencies and wholesalers send commissions, vendor payments, wholesaler disbursements, and accounts payable via ACH or check through both the portal and APIs.
- AndDone Portal All-in-one connected dashboard for accepting, tracking, financing, and sending payments, with payment links, financing management, reconciliation reporting, customizable branding, and role-based access controls, natively integrated with AMS360.
- AndDone Ally Platform enablement suite for insurtech platforms that need to onboard and manage their own network of merchants (sub-merchant accounts), embed payments and premium finance via API, and access unified reporting across their merchant network.
Quantifiable outcome
- 1,500+ merchants are live and processing payments through AndDone
- +3 more outcomes
Companies that use AndDone
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
AndDone technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
AndDone partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- DyadcoreStrategic partnership with Dyad and IPFS to embed premium finance and digital payment capabilities into Dyad's ALIS DX platform. The integration enables MGAs, wholesalers, and program administrators to complete the entire quote-to-bind workflow within ALIS, eliminating the need to switch between systems. This partnership marks the first phase of a broader collaboration aimed at creating a connected, end-to-end insurance finance and payment experience.
- IPFS (Imperial PFS)coreIPFS (Imperial PFS), North America's largest premium finance company by amount financed, powers AndDone's premium financing capabilities. With a 50-year legacy in premium finance, IPFS launched AndDone in 2020 to support insurance payments in a way that reflects how modern agencies actually operate. IPFS provides the financing infrastructure while AndDone provides the technology platform.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
AndDone competitors and assessment
Company assessmentBroad incumbents
- Stripe: Dominant general-purpose payment gateway with API-first hosted checkout, tokenization, and developer tooling that competes with AndDone wherever insurance merchants default to horizontal rails rather than vertical specialists.
- Toast: Vertical SaaS-plus-payments incumbent for restaurants that demonstrates the same playbook AndDone is executing in insurance: own the workflow software, capture payment economics, and lock in switching costs.
Direct peers
- Stax: Flat-rate, subscription-free payment platform targeting verticals with embedded pricing and developer APIs—directly mirrors AndDone's transaction-based model and vertical-specialization posture.
- Helcim: SMB-focused payment processor offering flat-rate card and ACH acceptance with hosted pages and APIs—an obvious substitute AndDone merchants could evaluate against.
- PaymentCloud: High-risk and vertical merchant acquirer offering card processing and gateway services to agencies and commercial insurance-adjacent merchants, competing for the same mid-market insurance book.
Emerging players
- Finix: Payments infrastructure provider enabling platforms to onboard sub-merchants and monetize payments—an analog to AndDone Ally in any vertical.
- HealthPay21: Healthcare-vertical payment platform purpose-built for clinical and insurance billing—an early-stage analog to AndDone's vertical-payment thesis applied to a different industry.
- Modern Treasury: APIs-first payment operations platform for ACH, RTP, and disbursements—an emerging alternative for AndDone's outbound payments and reconciliation use cases.
Others
- Vertafore: Dominant agency management system (AMS360) vendor whose installed base defines AndDone's integration surface; could evolve into a direct competitor by embedding payments itself.
- Applied Systems: Leading insurance agency management platform (Applied Epic) with comparable agency workflow reach that represents both an integration partner and a latent payments-embed risk to AndDone.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
AndDone social profiles
Digital presenceAndDone compliance and trust
Trust signalCompliance2 records
AndDone financial estimates
Financial estimateRevenue estimate
Valuation estimate
AndDone leadership team
Management profileNumber of profiles
Profiles6 records
AndDone funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AndDone M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AndDone
What does AndDone do?
AndDone provides a unified, insurance-specific payment platform that enables agencies, brokers, wholesalers, MGAs, and carriers to accept card and ACH payments, embed premium finance quoting (powered by IPFS), and disburse outbound funds for commissions and vendor payables in a single workflow. The platform is delivered through the AndDone Portal dashboard, anddone.js JavaScript SDK, and REST APIs, with PCI-DSS Level 1 tokenization and native AMS360 integration.
Is AndDone a public or private company?
AndDone is a private company. It is classified as corporate owned and is currently operating.
When was AndDone founded?
AndDone was founded in 2020. It employs 1 to 10 people.
Where is AndDone based?
AndDone is headquartered in Kansas City, United States, in the North America region.
How does AndDone make money?
Four revenue lines are on record. Payment Processing is the primary driver. The others are premium Finance, outbound Payments and andDone Ally Platform Enablement.
Who are AndDone's main competitors?
Broad incumbents on record are Stripe and Toast. Direct peers are Stax, Helcim and PaymentCloud. Emerging players are Finix, HealthPay21 and Modern Treasury. Others are Vertafore and Applied Systems.
Does AndDone have an API?
Yes. AndDone provides Open APIs and developer tools enabling developers to integrate key features from the portal directly into their own systems. The platform offers anddone.js for seamless web integration, tokenization for enhanced security, and REST APIs with webhooks for payment processing, premium finance, and outbound disbursements. API access is available for PCI-compliant companies seeking customization. Developer documentation is at docs.anddone.com.
What industry is AndDone in?
AndDone's product category is Insurance Payments Software. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAKAJAJ, Payment Processing for Collections (Lockbox, ACH, Card, IVR). Its NAICS code is 522320 and its SIC code is 7372.