PCI compliance for insurance
Collect premiums and renewals securely across phone, web and broker channels. A European PCI DSS Level 1 vault that takes your policy systems and call centre out of scope — with EU data residency and DORA-aligned controls.
Premiums touch a lot of systems
Insurers and brokers collect cards by phone, web and intermediaries, then charge them again at renewal — all under heavy regulatory scrutiny.
Phone & broker capture
Premiums are often taken by phone or through brokers, putting call-centre and agent tools in PCI scope.
Recurring premiums
Monthly and annual premiums and auto-renewals need a card you can re-charge — without storing the PAN.
Many intermediaries
Brokers, MGAs and TPAs all handle policyholder cards, multiplying where data can be exposed.
Regulated sector
Insurers face DORA, GDPR and supervisory expectations on operational resilience and data handling.
EU data residency
Policyholder card data is expected to stay in the EU, not be sent to a US-based vault.
Costly audits
Without scope reduction, insurers face full SAQ D assessments across legacy policy systems.
One vault for every premium
Capture on any channel
Hosted fields online, a secure agent interface for phone, or email payment links for brokers — straight into the vault.
Charge renewals from a token
Re-charge stored tokens for recurring premiums and renewals, with no PAN in your policy or billing systems.
Regulated-grade custody
PCI DSS Level 1, ISO 27001 and 9001, DORA-compliant operations and EU data residency for policyholder data.
Transparent acquiring
Add our acquiring engine with interchange++ from 0.45% — or keep routing tokens to your existing processors.
Insurance, answered
01 How does tokenization help insurers and brokers stay PCI compliant?
Cards for premiums are captured once — online, by phone or by email link — and stored in a PCI DSS Level 1 vault. Your policy and billing systems hold only tokens, so raw card data never touches your infrastructure and most insurers and brokers move from SAQ D to SAQ A.
02 Can we collect recurring premiums and renewals?
Yes. A token represents a stored card you can charge for monthly or annual premiums and automatic renewals — without keeping the real PAN. Detokenization happens inline when forwarding the charge to your processor.
03 Does this support brokers and call-centre (MOTO) payments?
Yes. Brokers and agents capture cards through a secure interface or email payment link, so the PAN bypasses call-centre systems and broker tools — keeping those channels inside a reduced PCI scope.
04 Does PCI Proxy help with EU data residency and DORA?
Yes. Card data is stored only in EU data centres with GDPR-aligned residency, and PCI Proxy is operated by an ISO 27001 and ISO 9001 certified, DORA-compliant company — relevant for regulated insurers managing operational resilience.
Collect premiums without the audit weight
Tell us how you collect and renew premiums, and we'll map a tokenization flow for your phone, web and broker channels.