SmartStream Advantage℠ from Fiserv is a unified approach for property, casualty and life insurers with personalized billing, multiple payment options, and reconciliation services that contain costs and speed revenue collection while meeting regulatory requirements.

Consolidation among insurers is accelerating. Competition is rising and concerns about data security are growing. Policyholders expect more from their digital experiences on the devices of their choosing. Compete effectively and provide the best customer experience with access to new technologies and expertise – without adding excessive costs and complexity to your operations.

Amid these challenges, insurers seek better ways to manage their revenue cycles in a single, cohesive manner. They need to effectively communicate with policyholders, distribute invoices in digital and paper, and provide convenient payment options. In addition, insurers see the importance of an efficient back-office reconciliation process.


Our Solution

Through SmartStream Advantage, Fiserv transforms the way insurers engage policyholders through billing, payment and communication options that drive costs down, improve outcomes and increase satisfaction. Fiserv delivers according to your policyholders' preferences – paper, email, web, mobile or tablet.

Utilizing the SmartStream Advantage approach for the multi-channel billing and payment life cycle accelerates revenue collection and improves policyholder engagement with reduced complexity, regulatory risk and cost.

Easily send your data stream from any system and Fiserv can:

  • Prepare highly personalized and branded bills
  • Present printed and digital bills to policyholders through mail, biller direct and bank channels
  • Give policyholders the choice to pay in person, by mail or through digital channels
  • Protect your organization's reputation with effective risk management and improved financial controls


Let the strength of Fiserv lead your insurance company to:

  • Simplify your life by using one partner to manage the entire billing life cycle
  • Cater to policyholder preferences by providing billing and payment options
  • Speed revenue collection by offering a full range of payment options
  • Engage policyholders with the right message in the right channel to the right policyholder
  • Reduce regulatory compliance and security risk with solutions from a trusted industry provider

Terms and Conditions




SmartStream Advantage is a Unified Approach to Billing and Payments

Fiserv provides a unified solution that simplifies the billing and payment life cycle, resulting in accelerated revenue collection and improved customer engagement with reduced complexity, regulatory risk and cost.

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A Unified Billing and Payment Approach for Insurance

Fiserv provides a unified solution to insurance companies that simplify the billing and payment life cycle, resulting in speeding revenue collection and improving policyholder engagement with reduced complexity, regulatory risk and cost.

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Getting the Billing and Payments Experience Right Pays Dividends for Billers

Key findings from Fiserv Insights: Ninth Annual Consumer Billing Preference Survey suggest speed and ease of use in how people receive and pay bills are key drivers of satisfaction and loyalty.

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Gain a Competitive Edge Through Optimized Billing, Payments and Technology

Fiserv provides optimized, omni-channel options to turn billing and payment from a back-office function into a high-value, customer-facing strategic opportunity and the-all-important competitive edge.

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