Renewal payment

POST

/v1/policy/{policyId}/pay

Renewal payment for an existing active policy. Initial payment happens at bind time — use POST /v1/bind with payment.token for first-time payment. This endpoint handles post-bind renewal cycles only: record required term acceptances for the new term and capture payment.

Dispatch matrix:

`billing_mode`	`payment.method`	Response mode
`prepaid` (default)	`credit_card`, `ach`, `affirm`	`token` — use `clientSecret` with Stripe Elements
`invoiced`	any	`invoice_account` — invoice posted immediately
any	any, with `stripeChargeId`	`finalized` — agent/back-office path
any	`account` (carrier-tokenized)	`carrier_charge` — forwarded to carrier

Request

Authorization

Bearer Token

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Path Params

Body Params application/jsonRequired

Examples

Responses

🟢200

application/json

Payment initiated or recorded.

Bodyapplication/json

🟠400ValidationError

🟠401Unauthorized

🟠403Forbidden

🟠404NotFound

🔴500InternalError

Request Example

Shell

JavaScript

Java

Swift

curl --location '/v1/policy//pay' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
    "acceptedTerms": [
        {
            "termId": "a1b2c3d4-0000-0000-0000-000000000001",
            "termKey": "tos",
            "termVersion": "3.2",
            "acceptanceMethod": "checkbox",
            "acceptanceValue": null
        }
    ],
    "payment": {
        "method": "credit_card"
    }
}'

Response Example

200 - mode=token — Stripe prepaid (most common)

{
    "success": true,
    "data": {
        "mode": "token",
        "policyId": "f9e8d7c6-b5a4-3210-fedc-ba9876543210",
        "policyTermId": "e7f8g9h0-1234-5678-90ab-cdef01234567",
        "paymentIntentId": "pi-db-uuid-here",
        "clientSecret": "pi_xxx_secret_yyy",
        "stripePaymentIntentId": "pi_3PxxxxxxxxxxxQ",
        "recordedAcceptances": [
            {
                "termId": "a1b2c3d4-0000-0000-0000-000000000001",
                "termKey": "tos",
                "termVersion": "3.2",
                "acceptedAt": "2026-05-01T12:00:00Z"
            }
        ]
    }
}

Modified at 2026-05-05 23:27:59

Get policy — full detail

Cancel a policy