Applied Pay is a cloud based digital payments hub that enables agents/brokers to provide their clients a secure, online way to pay for new and recurring premiums from any computer, phone or tablet. It is the only digital payments platform that fully integrates with into Epic, CSR24, and EZLynx, enabling agencies to automate the process of paying for invoices within the client portal or sending invoice links via email or SMS to insured customers for them to be pay through an online checkout page, and then returning the transaction data back to the originating AMS for reconciliation. Applied Pay offers branded checkout pages, hosted online, where insured users can go to pay for premiums via credit card, ACH, digital wallet or other payment method. It automatically handles payment authorization and tokenizes sensitive information to increase security and ensure compliance.