Commission Billing as a Service

CBaaS is our commission engine as an API. Your systems send it policy and payment events, and it sends journal entries and payouts to the accounting and payments systems you already use.

CBaaS APIIllustrative request
POST /v1/policy-events
{
  "policy": "PC-24-10530",
  "event": "bind",
  "effective": "2026-11-03",
  "premium": 100000.00
}
201 Created
{
  "ledger": { "entries": 8, "balanced": true },
  "payables": [
    { "payee": "Carrier A",  "amount": 24000.00 },
    { "payee": "Carrier B",  "amount": 24000.00 },
    { "payee": "Carriers C–E", "amount": 12000.00 },
    { "payee": "Producer 1", "amount": 24000.00 },
    { "payee": "Producer 2", "amount": 16000.00 }
  ],
  "journal_entry": "JE-2026-11-0412",
  "payout_batch": "PB-2026-11-05"
}
A bind event in, the payables and hand-offs out. Illustrative request and sample data.

How it connects

  1. Your systems send events. Your policy system sends binds, endorsements, renewals and cancellations, and your payments system sends premium as it’s received, through a REST API.
  2. CBaaS applies your rules. Splits, tiers, overrides, bonuses, chargebacks and syndicates, attached at the hinge points your agreements need.
  3. Every result posts to a ledger. Both sides, against the transaction that caused it, so any payout can be traced and any closed period reproduced.
  4. Your books and payouts stay where they are. Journal entries go to the accounting system you already use, and payout instructions to your payments system, ready to reconcile.
  5. Each payee gets a statement. Their own business only: the total, every policy behind it, and every rule applied.
Commission rulesProgram: Hill Country Contractors
RuleHinge pointStatus
SplitsBindActive
Tiered ratesPeriod closeActive
Bonuses and top-upsYear endActive
OverridesBindActive
ChargebacksCancellationActive
Payout schedulesPayment receivedActive
SyndicatesBindActive
The rules CBaaS applies for one program, configured with you. Sample configuration.

Where commission gets stuck

Most billing services stop at premium. Commission ends up in a legacy module nobody wants to touch, or in exports re-keyed into accounting, and every month-end means checking, correcting and answering disputes. Payees can’t tell what they’ve earned without tracking it themselves.

For most businesses, paying commission is a cost of doing business. For us, it’s the reason we’re in business.

Commission reportExported Nov 30, 2026
ProducerCommission
D. Ruiz$4,175.50
M. Hale$27,168.00
P. Nand$17,447.50

Totals only. No policies, no rules, recalculated each time it runs.

What most payees get today. Sample data.

What the engine handles

ArrangementExample
Splits60/40 between two producers, with a sub-agent share on one side
Tiered rates12% to $1M written, 14% above it, reset each January
Bonuses and top-upsProfit commission paid on a program’s loss ratio at year end
Overrides2% to the managing agency on every policy its producers write
ChargebacksPro-rata clawback when a policy cancels mid-term
Payout schedulesMonthly, quarterly, or on receipt of premium, set per payee
SyndicatesOn a $100,000 premium, 60% goes to five carriers in shares of 40/40/10/5/5 ($24,000, $24,000, $6,000, $3,000, $3,000). The other 40% is the commission pool, split 60/40 between two producers ($24,000 and $16,000).

Illustrative rates. Every arrangement can sit on the same book, in the same month.

A ledger, not a report

Every commission is a ledger entry, posted against the policy transaction that caused it. The journal entries your accounting system receives are those same entries, so finance reconciles to one set of figures.

Change the premium and watch one syndicated policy divide among its seven payees, to the cent.

  • Carrier A 40% of 60%$24,000.00
  • Carrier B 40% of 60%$24,000.00
  • Carrier C 10% of 60%$6,000.00
  • Carrier D 5% of 60%$3,000.00
  • Carrier E 5% of 60%$3,000.00
  • Producer 1 60% of 40%$24,000.00
  • Producer 2 40% of 40%$16,000.00

Five carriers share 60% of premium; two producers split the 40% commission pool. Sample syndicate.

Statements payees can read

Each payee sees only their own business: their total, then every policy behind it, then every rule applied to each policy. Fewer calls asking “where’s my money”, and fewer disputes to settle.

Statement for Dana RuizNovember 2026
LinePayable
Net payable$4,175.50
Split 60/40 with J. Okafor
Hinge point
Bind
Ledger
Commission $2,760.00: D. Ruiz $1,656.00, J. Okafor $1,104.00
Select a line to see its rule and ledger entry. Sample data.

Billing too, if you want it

CBaaS can run billing in the same call: premium invoices, installment plans, surplus lines tax, stamping fees, policy fees and inspection fees, so premium and commission always agree. Or keep the billing you have and send CBaaS what it bills.

Invoice INV-2026-11-0422Issued November 3, 2026
Bill toMedina River Outfitters
PolicyPC-24-10422
Renewal premium, general liability$9,250.00
Policy fee$150.00
Inspection fee$125.00
Surplus lines tax, 4.85% of premium$448.63
Stamping fee, 0.04% of premium$3.70
Total due$9,977.33
Quarterly plan
December 3, 2026$2,494.33
March 3, 2027$2,494.33
June 3, 2027$2,494.33
September 3, 2027$2,494.34
A renewal invoice with taxes, fees and a quarterly plan. Sample figures.

Not only insurance

Commission is a problem in any business that pays people on results, and an API doesn’t care which industry calls it.

$23M+in sales managed for a team outside insurance, on the same engine that runs our P&C commission.

Questions

Is CBaaS an API or a service?

Both. It’s an API your systems call, and a team that configures and maintains the commission rules with you, so your staff isn’t keeping them up to date.

Do we have to replace our policy system?

No. Your policy system sends events to the CBaaS API. If you’d rather have everything in one place, Propcot has CBaaS built in.

Does it replace our accounting or payments system?

No. CBaaS keeps its own commission ledger and sends journal entries to your accounting system and payout instructions to your payments system. Both stay the systems of record.

Can you bring over our history?

Yes. We built Propcot by migrating 15 years of real data from a legacy system, so migration is familiar ground.

How long does onboarding take?

Connecting is quick. Onboarding is planned for six months, from initial setup through refining your processes and tuning your workflows, because we’re building a relationship. We won’t have you live in a few weeks, then stop answering the phone once the invoices start.

Connect it to the books you keep