Getting to zero has never been easier.

Ascend reads carrier statements in every format — so reconciliation runs on its own, and your books never fall behind.

Trusted by the industry's leading insurance and accounting teams

See case study](/content/customers/henderson-brothers-modernized-direct-bill-reconciliation "Henderson Brothers"/index.html)

See case study](/content/customers/the-baldwin-groups-seamless-two-month-transition-for-direct-bill-processing "The Baldwin Group"/index.html)

See case study](/content/customers/how-cross-insurance-a-top-100-agency-achieved-3x-roi-with-ascend-in-just-90-days "Cross Insurance"/index.html)

Why Direct Bill Automation

Purpose-built to eliminate manual reconciliation, resolve exceptions collaboratively, and give your team a faster month-end close.

Close on time, every time

Auto-matching algorithm that learns. Your team resolves exceptions collaboratively. Month-end close happens on schedule — not two weeks late.

Handle 50 carriers as easily as five

Automatically fetch and process any carrier format — CSV, PDF, or scanned documents. As your carrier mix grows, reconciliation time stays flat.

Audit-ready from day one

Every match logged with a complete audit trail — so teams can QA internal or external workflows for 100% accuracy and visibility.

Know where every dollar sits

Link carrier statements to bank deposits automatically when combined with Cash Application. Unlock a more complete view into actual, not approximate, revenue.

Direct Bill Automation by the Numbers

Processing

$25B+

in annual premium across agencies, wholesalers, and MGAs

Efficiency at scale

90%

reduction in time spent on reconciliation

Proven Solution

25+

of top 50 brokers choose Ascend

What Direct Bill Automation does for you

Eliminate manual statement collection

No more logging into carrier portals every month. Statements fetched directly from carriers, or forwarded via email. Every format parsed into structured data, ready to match.

Personalize your matches

Matching algorithm that learns over time, eliminating manual line-by-line lookup. Policy numbers, insured names, premiums, and dates cross-referenced against your AMS.

Resolve exceptions in hours, not days

Unmatched items categorized by type — new policies, premium variances, policy number mismatches. Discrepancies surfaced with context and suggested matches, ranked by confidence.

Post to your AMS

Validated matches write directly to your AMS. Every match, override, and exception logged with timestamp and user.

Reconcile starting from bank deposits

With Cash Application, automatically generate statements from deposits, reconcile against AMS data, and fully automate your month-end close.

Built to handle enterprise complexity

Trusted by over half of the 50 largest brokers, the platform capabilities that make Direct Bill Automation reliable, secure, and scalable across teams and workflows.

AI-powered data extraction

AI reads every carrier format — CSVs, PDFs, scanned documents — and learns with every statement processed. As your carrier mix grows, the work doesn't.

Deployment & implementation

Ascend's onboarding team guides you through setup, walks every workflow with your team, and stays hands-on until you're confident running it solo.

Native collaboration

Categorize, prioritize, assign, and review exceptions — all without leaving Ascend. Every decision is visibly logged for all teams involved.

Frequently asked questions

What accounting leaders ask about Direct Bill

01

How long does implementation take?

Typically 2-4 weeks from kickoff to processing your first statements. We handle AMS integration, carrier credential setup, and historical data migration. Your dedicated implementation lead ensures smooth onboarding with minimal disruption. Most customers are live and reconciling current-month statements within 30 days.

02

Do you support all carriers?

Yes — we leverage AI to automatically read and extract data from any carrier, in any format. No manual column mapping required.

03

How do you handle exceptions Ascend can't auto-match?

Our exception queue surfaces unmatched items with suggested matches ranked by confidence. Your team reviews and resolves with full context — statement details, AMS invoice candidates, historical patterns. Our AI learns from your corrections to improve future matching.

04

Can we customize posting rules and account mapping?

Yes. Posting requires manual approval, so you control the timing. GL account assignments and posting details are all configurable upon setup — our team will determine those based on your accounting practices, and you can adjust them anytime.

05

How do you handle bulk carrier deposits that cover multiple statements?

Ascend tracks expected deposits by carrier and automatically allocates bulk deposits across multiple statements based on statement amounts and carrier. If a deposit doesn't match expected totals, it's flagged for review. You maintain full control over allocation decisions.

06

How does Direct Bill Automation connect to the rest of Ascend?

When combined with Cash Application, Direct Bill Automation provides accounting teams an end-to-end automation for the direct bill reconciliation process from deposit tracking, reconciliation and exception handling, and ledger posting.