One Inc

One Inc operates a digital payments network built specifically for the insurance industry, unifying premium collection and claims disbursement on a single platform. Its two flagship products are PremiumPay, which processes credit card and ACH premium payments in alignment with insurers' core systems, and ClaimsPay, which delivers digital claim payments to payees through their preferred channels and methods. Surrounding capabilities include policyholder digital engagement, reporting and reconciliation tooling for identifying discrepancies and analyzing payment activity, and security and compliance features that keep sensitive payment data off the carrier's network.

The platform integrates with insurance core systems from vendors including Guidewire, Sapiens and Origami Risk, and supports both inbound and outbound payment flows for policyholders, vendors, agents and service providers. The company also maintains a large network of vendors and providers used for claims-side disbursements, and has extended ClaimsPay into adjacent workflows such as lienholder settlement for total loss vehicle claims via an integration with Copart. In 2026 the company introduced AI-driven capabilities and a Model Context Protocol implementation aimed at accelerating carrier integration and enabling secure analysis of payments data.

One Inc is headquartered in Folsom, California, and previously offered a broader insurance software suite covering policy, billing, claims, agency management, rating, CRM, document management and business intelligence before concentrating on payments.

Founding story

One, Inc. was founded by Christopher W. Ewing, who served as President and CEO, in Folsom, California, originally to deliver an integrated cloud-based platform combining core insurance functions with data analytics, CRM, payment processing and agency management in a single SaaS solution for property and casualty carriers, MGAs and agencies.

Business model

One Inc sells software-as-a-service payments technology directly to insurance carriers, MGAs and agencies, operating a payments network that processes inbound premium collection and outbound claims and vendor disbursements on the carrier's behalf. The platform is delivered as a cloud service that integrates with insurers' existing legacy and modern core systems, and it removes sensitive payment data from the carrier's own network to reduce compliance scope.

Revenue derives from payments processing and SaaS-delivered software for insurance premium collection and claims disbursement sold to carriers and other insurance organizations.

Traction

The company reports more than 320 customers, over 1.3 million vendor-providers and about $140 billion in annual payments volume, with named customers including Norfolk & Dedham and Insurance House. Earlier disclosures cited over 100 percent annual growth in the years before 2017, average payments volume growth of 77 percent year over year and more than 30 deals signed in the 21 months preceding the February 2020 recapitalization. It has appeared on the Inc. 5000 list five consecutive years through 2026 and on CNBC's World's Top Fintech Companies list three consecutive years.

Latest developments

In late 2025 and 2026 One Inc launched ClaimsPay in the Canadian P&C market, integrated ClaimsPay with Copart's Title Express and Loan Payoff system for lienholder payments on total loss claims, partnered with Benekiva on fully digital claims payments, and released AI-driven capabilities together with a Model Context Protocol for payments integration and secure AI access to payments data. It appointed Bryan Thompson as Chief Technology Officer in March 2026 and Kishore Konakanchi as Chief Product Officer in May 2026, and was named to the 2026 Inc. 5000 list for a fifth consecutive year and CNBC's World's Top Fintech Companies 2026 list for a third consecutive year.