One Inc Digital Payments API

oneinc.com · Company

Company API Key Paid Insurance Financial Services Payments Insurance Enterprise

Insurance-specific digital payments platform from One Inc. Handles policyholder premium payments (inbound) and claims disbursements (outbound) — ACH, check, push-to-debit, virtual card. Natively integrated with Guidewire BillingCenter and ClaimCenter. The leading payments platform purpose-built for insurance.

Authentication

API Key API key + client secret provisioned through One Inc. Separate keys for sandbox and production. Contact [email protected].

Parameter name: X-API-Key (in header)

Sample Requests

POST Process premium payment

Processes an inbound premium payment from a policyholder. Supports ACH, credit/debit card.

https://api.oneinc.com/v2/payments/premium

Hover any highlighted part to learn what it does

Headers — extra info sent with the request

X-API-Key auth	YOUR_API_KEY
Content-Type	application/json

Request Body — data you're sending

{
  "amount": 152.5,
  "bankAccount": {
    "accountType": "Checking",
    "accountNumber": "1234567890",
    "routingNumber": "021000021"
  },
  "policyNumber": "POL-000123",
  "paymentMethod": "ACH"
}

curl -X POST "https://api.oneinc.com/v2/payments/premium" \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Content-Type: application/json" \
  -d '{"amount":152.5,"bankAccount":{"accountType":"Checking","accountNumber":"1234567890","routingNumber":"021000021"},"policyNumber":"POL-000123","paymentMethod":"ACH"}'

import requests
headers = {
    "X-API-Key": "YOUR_API_KEY",
    "Content-Type": "application/json"
}
data = {
    "amount": 152.5,
    "bankAccount": {
        "accountType": "Checking",
        "accountNumber": "1234567890",
        "routingNumber": "021000021"
    },
    "policyNumber": "POL-000123",
    "paymentMethod": "ACH"
}
response = requests.post(
    "https://api.oneinc.com/v2/payments/premium",
    headers=headers,
    json=data,
)
print(response.json())

const url = 'https://api.oneinc.com/v2/payments/premium';

const response = await fetch(url, {
  method: 'POST',
  headers: {
    'X-API-Key': 'YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
  "amount": 152.5,
  "bankAccount": {
    "accountType": "Checking",
    "accountNumber": "1234567890",
    "routingNumber": "021000021"
  },
  "policyNumber": "POL-000123",
  "paymentMethod": "ACH"
}),
}); 
const data = await response.json();
console.log(data);

package main

import (
	"fmt"
	"io"
	"net/http"
	"bytes"
	"encoding/json"
)

func main() {
	targetURL := "https://api.oneinc.com/v2/payments/premium"
	jsonData, _ := json.Marshal({"amount":152.5,"bankAccount":{"accountType":"Checking","accountNumber":"1234567890","routingNumber":"021000021"},"policyNumber":"POL-000123","paymentMethod":"ACH"})
	req, _ := http.NewRequest("POST", targetURL, bytes.NewBuffer(jsonData))
	req.Header.Set("X-API-Key", "YOUR_API_KEY")
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Content-Type", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
	body, _ := io.ReadAll(resp.Body)
	fmt.Println(string(body))
}

require "net/http"
require "json"

uri = URI("https://api.oneinc.com/v2/payments/premium")

http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = uri.scheme == "https"

req = Net::HTTP::Post.new(uri)
req["X-API-Key"] = "YOUR_API_KEY"
req["Content-Type"] = "application/json"
req["Content-Type"] = "application/json"
req.body = "{\"amount\":152.5,\"bankAccount\":{\"accountType\":\"Checking\",\"accountNumber\":\"1234567890\",\"routingNumber\":\"021000021\"},\"policyNumber\":\"POL-000123\",\"paymentMethod\":\"ACH\"}"

res = http.request(req)
puts JSON.parse(res.body)

<?php
$url = "https://api.oneinc.com/v2/payments/premium";
$opts = ["http" => [
    "method" => "POST",
    "header" => implode("\r\n", [
        "X-API-Key: YOUR_API_KEY",
        "Content-Type: application/json",
        "Content-Type: application/json"
    ]),
    "content" => json_encode({"amount":152.5,"bankAccount":{"accountType":"Checking","accountNumber":"1234567890","routingNumber":"021000021"},"policyNumber":"POL-000123","paymentMethod":"ACH"}),
]];
$ctx = stream_context_create($opts);
$res = file_get_contents($url, false, $ctx);
print_r(json_decode($res, true));

POST Issue claim payment

Disburses a claim payment to a claimant via push-to-debit, ACH, or virtual card. Triggered from Guidewire ClaimCenter check issuance.

https://api.oneinc.com/v2/payments/claims/disburse

Hover any highlighted part to learn what it does

Headers — extra info sent with the request

X-API-Key auth	YOUR_API_KEY
Content-Type	application/json

Request Body — data you're sending

{
  "memo": "Claim settlement",
  "amount": 5000,
  "payeeName": "Jane Smith",
  "claimNumber": "CL-1234",
  "paymentMethod": "PushToDebit"
}

curl -X POST "https://api.oneinc.com/v2/payments/claims/disburse" \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Content-Type: application/json" \
  -d '{"memo":"Claim settlement","amount":5000,"payeeName":"Jane Smith","claimNumber":"CL-1234","paymentMethod":"PushToDebit"}'

import requests
headers = {
    "X-API-Key": "YOUR_API_KEY",
    "Content-Type": "application/json"
}
data = {
    "memo": "Claim settlement",
    "amount": 5000,
    "payeeName": "Jane Smith",
    "claimNumber": "CL-1234",
    "paymentMethod": "PushToDebit"
}
response = requests.post(
    "https://api.oneinc.com/v2/payments/claims/disburse",
    headers=headers,
    json=data,
)
print(response.json())

const url = 'https://api.oneinc.com/v2/payments/claims/disburse';

const response = await fetch(url, {
  method: 'POST',
  headers: {
    'X-API-Key': 'YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
  "memo": "Claim settlement",
  "amount": 5000,
  "payeeName": "Jane Smith",
  "claimNumber": "CL-1234",
  "paymentMethod": "PushToDebit"
}),
}); 
const data = await response.json();
console.log(data);

package main

import (
	"fmt"
	"io"
	"net/http"
	"bytes"
	"encoding/json"
)

func main() {
	targetURL := "https://api.oneinc.com/v2/payments/claims/disburse"
	jsonData, _ := json.Marshal({"memo":"Claim settlement","amount":5000,"payeeName":"Jane Smith","claimNumber":"CL-1234","paymentMethod":"PushToDebit"})
	req, _ := http.NewRequest("POST", targetURL, bytes.NewBuffer(jsonData))
	req.Header.Set("X-API-Key", "YOUR_API_KEY")
	req.Header.Set("Content-Type", "application/json")
	req.Header.Set("Content-Type", "application/json")

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
	body, _ := io.ReadAll(resp.Body)
	fmt.Println(string(body))
}

require "net/http"
require "json"

uri = URI("https://api.oneinc.com/v2/payments/claims/disburse")

http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = uri.scheme == "https"

req = Net::HTTP::Post.new(uri)
req["X-API-Key"] = "YOUR_API_KEY"
req["Content-Type"] = "application/json"
req["Content-Type"] = "application/json"
req.body = "{\"memo\":\"Claim settlement\",\"amount\":5000,\"payeeName\":\"Jane Smith\",\"claimNumber\":\"CL-1234\",\"paymentMethod\":\"PushToDebit\"}"

res = http.request(req)
puts JSON.parse(res.body)

<?php
$url = "https://api.oneinc.com/v2/payments/claims/disburse";
$opts = ["http" => [
    "method" => "POST",
    "header" => implode("\r\n", [
        "X-API-Key: YOUR_API_KEY",
        "Content-Type: application/json",
        "Content-Type: application/json"
    ]),
    "content" => json_encode({"memo":"Claim settlement","amount":5000,"payeeName":"Jane Smith","claimNumber":"CL-1234","paymentMethod":"PushToDebit"}),
]];
$ctx = stream_context_create($opts);
$res = file_get_contents($url, false, $ctx);
print_r(json_decode($res, true));

Postman Setup Guide

Get Postman ↗

Contact One Inc partnerships team at [email protected]
Sandbox credentials provided during integration kickoff
Native Guidewire accelerator available — installs into BillingCenter and ClaimCenter
PCI DSS compliant — card data is tokenized, never stored on your servers
Push-to-debit delivers claim payments to claimants within minutes
Reconciliation API available to match payments back to Guidewire transactions

What can you build with One Inc Digital Payments API?

One Inc Digital Payments API is a Company API. Developers commonly use company APIs for:

enriching CRM records with company firmographics
building lead-generation and prospecting tools
verifying business identity and registration details
monitoring competitors and market intelligence
powering B2B data enrichment pipelines

API Key authentication. You'll receive a key after signing up. Send it with every request — in a header or query parameter. Keep it out of client-side code and never commit it to version control. One Inc Digital Payments API is a paid API — check the provider's pricing page before building a production integration.

New to APIs? Read our beginner's guide · Learn about API keys · What is REST?

Open documentation ↗