IPFS TotalPay — Flexible. Reliable. Convenient.


IPFS TotalPay

Provide premium payment flexibility to your agency and your customers. 

For more than 40 years, Imperial PFS® has made it possible for business owners to pay their insurance premiums via installments through traditional premium financing. We are now pleased to add more flexibility to our payment options – the ability to pay premiums with a single payment. With the addition of the ability to pay in full, clients may choose the payment option that works best for them. Our Customers have called the IPFS TotalPay portal a "game changer". See what else they have to say.

One Portal: Two Ways to Pay


Insurance Premium Financing

  • Paying in installments frees up capital to help you ensure appropriate level of insurance coverage
  • Provides credit at competitive industry rates
  • Enables paperless premium payment process

Payment in Full

  • Eliminate time spent on premium payment collections
  • Provides opportunity for reduced accounting expenses
  • Expedites the premium payment process
  • ACH or credit card payment1


IPFS TotalPay™ has our Customers talking…


IPFS TotalPay Testimonials

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Improve the payment experience for you and your insureds.

Save Time, Improve Processes, Become More Efficient... Provide Better Service


One Complete Solution:

IPFS TotalPay is a holistic solution. All offerings are in a single location for the insured. If the insured doesn’t know how they would like to pay when they receive the Premium Finance Agreement (PFA), they can make their choice at the time they are ready to pay. No need to resend any quotes!

Customer Satisfaction:

Many premium finance companies send an email to the insured with only minimal information. With IPFS TotalPay, the insured gets a detailed look at coverages and quotes being offered. Both you and your insured also receive confirmation emails containing pertinent information once the transaction is complete.

Simplified Processes:

Consolidation of multiple agency work flows for insureds that chose to pay in full and insureds that want to premium finance.

One Point of Contact:

If you’re an existing Imperial PFS Customer, using IPFS TotalPay simplifies vendor management by having one company to work with for all payment collection.

One System:

If you utilize an agency management system and are integrated using eSignature with Imperial PFS; Imperial PFS can collect eSignature of the Premium Finance Agreement and payment collection for you. This creates a green, time-saving efficiency in your day-to-day tasks.