Stop Fraud Before the Money Moves
Fraud prevention built into insurance payments helps carriers stop suspicious premium and claims activity before funds move, without slowing legitimate transactions. One Inc delivers embedded controls across its connected payments network to protect funds, policyholders, claimants, and vendors today, with continued investment in AI-powered capabilities as fraud risks evolve.
Proactive Approach
We Help Protect the Payments Ecosystem
One Inc delivers an embedded fraud prevention layer across insurance payments. Controls such as BIN Blocking and Velocity Controls help carriers stop high-risk card transactions and irregular payout activity before funds move. As part of One Inc's ongoing investment in payment security, future enhancements will expand protection with capabilities such as transaction risk scoring, device intelligence, and step-up authentication.
Purpose-built for insurance, these controls are embedded directly within One Inc payment workflows to preserve a fast digital experience while giving risk, fraud, and operations teams clearer visibility when suspicious activity is detected.
Human Expertise
Expert Oversight When Risk Is Detected
When our system identifies suspicious activity, our experienced risk specialists investigate quickly. They work directly with your team. They mitigate impact, support remediation, and reduce future exposure across our unified platform and payments network.
Outbound Payments
Secure Your Claims Disbursements
Protect claims disbursements with real-time fraud controls that validate recipients, monitor payment activity, and help stop suspicious transactions before funds are released.
One Inc's Fraud Detection System (FDS) analyzes claim and payment patterns against account history to flag high-risk exceptions, alerting our Risk Management team to investigate and work with your team to mitigate exposure.
ClaimsPay® also helps reduce vendor and third-party fraud through secure portal access, bank account ownership validation, and complete payment activity logs that support audits and regulatory requirements.
Inbound Transactions
Safeguard Premium Payments in All Chanels
Advanced card fraud controls, including BIN Blocking and Velocity Controls, help reduce suspicious payment activity while preserving a seamless payment experience across web, mobile, IVR, Apple Pay, Google Pay, and recurring AutoPay channels. Sensitive payment data is encrypted and tokenized, removing it from your environment to limit compliance exposure and shrink audit scope.
Behind those controls, One Inc's Fraud Detection System (FDS) monitors premium payment activity against your account history using proprietary rules built on sophisticated technology and historical data, identifying suspicious patterns across sales activity, authorization declines, transaction volume, country of origin, BIN concentration, and BIN testing. Skilled risk specialists are alerted to high-risk exceptions and take preventative measures quickly, minimizing losses while keeping the payment experience seamless for policyholders.
With PremiumPay®, you can confidently deliver a seamless premium payment experience backed by advanced fraud prevention built for insurance.
The Promise of Insurance
A Secure Payments Network Built for Insurance
One Inc is not a basic payment processor. It is a connected payments network and configurable platform built for insurance. From premium collections to claims and vendor disbursements, One Inc embeds fraud controls into payment workflows so carriers can protect funds, preserve trusted customer experiences, and deliver on the promise of insurance.
