The payment processor for the insurance industry — $2B+ in premiums collected for carriers and agencies.Audit1 is the payment processor for the insurance industry — already automating $2B+ in premiums for carriers and agencies. Computed from live payroll or billed straight from the policy, then collected, remitted, and audited. One rail for all of it.
Our expertise is collecting premium money — every product we build sits around that one job.
The center of everything we build
Premium from live payroll
Premium on a schedule
We audit the insured for you
Your brand, our engine
Sold directly to the businesses that carry the risk. Everyone else on the platform is an ally, or the insured just running payroll.
Whether premium comes from live payroll or a fixed schedule, it runs through the same platform.
Premium from live payroll
The premium is computed the moment payroll happens — not once a year.
We read every payroll and compute the premium to the penny. You bill the insured.
PayrollPremiumYou billWe compute it, collect from the insured by ACH into an FBO account, and remit to you — itemized.
PayrollPremiumACHRemitted
Premium on a schedule
For policies billed on a schedule instead of on payroll — same platform, same statements.
The insured pays a down payment up front, then the balance across scheduled installments.
Down paymentInstallmentsRemittedThe insured pays the full premium in a single payment.
One paymentRemittedEvery payroll file lands on a screen that explains itself — payroll-year basis, class-code precision, every number re-derivable.
Class codes, employees, valid rows, total payroll, and premium — a plain-English summary the moment your file is read.
If a row can't be priced, we set it aside and tell you plainly. Premium is never charged for it, and there's no countdown to beat.
Every row shows the exact math behind its premium, and every notice we send is timestamped on the file. No black boxes.
Carriers and agencies get a white-label or semi-custom white-label experience: your name, your domain, your emails, your portals — with premium collection and the audit running underneath.
Your own domain, SSL and environment — provisioned for you, no IT project required.
Your logo, colors and fonts carried through every portal and every email we send.
Public-signal intelligence on every risk — enrichment runs with Insuralyzer, our OSINT ally, so premiums land right the first time.
Multi-phase validation engine delivers 99.7% accuracy on premium calculations — verified at the penny level.
From ingestion to smart billing, every step is automated. No spreadsheets, no re-keying, no human errors.
Built for modern PAY GO programs. Real-time payroll data feeds directly into premium calculations each cycle — powered by fintech-grade payment rails and FBO fund management.
Google Cloud infrastructure, end-to-end encryption, JWT auth, and role-based access across all portals.
Payroll providers and payroll software are allies, not competition — sometimes the same company, sometimes a provider running on someone else’s software. Either way the payroll reaches us.
…plus the long tail of regional payroll companies, through Accountants World.
Production-grade REST API for payroll ingestion, employee sync and premium automation. Start in minutes, scale to millions.
// POST /api/v1/payroll/reports
Authorization: Bearer audit1_live_sk_…
Content-Type: application/json
{
"employer_id": "emp_8x2k9f3",
"policy_id" : "pol_4m7n2j1",
"period" : "2026-03-01",
"employees" : [
{ "name": "Jane Smith", "class_code": "8810",
"state": "CA", "gross_wages": 4250.00 }
]
}
// 202 Accepted
{ "file_id": "fil_9k3m…", "status": "processing" }Submit payroll, sync employees, track file status and receive real-time webhook events — with examples, error handling and SDKs.
MCPAutonomous agents report payroll every cycle through the Model Context Protocol — self-correcting, always-on. A human still makes every decision.
Common questions about premium collection, Direct Billing, and the audit.
Carriers and agencies: let's talk. Payroll providers and software companies: become an ally.
Whether you're a carrier looking to automate premium collection, a payroll company wanting to streamline file delivery, or an employer exploring pay-as-you-go — we'd love to hear from you.
Plans tailored to your employer volume and integration needs — no one-size-fits-all.
See the platform in action with your data. We'll walk you through the full workflow.
Dedicated team to get you live in weeks — policy setup, provider connections, and migration.
Technical guidance for connecting your systems via API, SFTP, webhooks, or auto-connectors.
We typically respond within one business day.