Dream Launches North America’s First Cross-Border Insurance Payment Network — Powered by J.P. Morgan Payments

We’re proud to announce the launch of the DreamPay Insurance Payment Hub — North America’s first two-way insurance payment network, seamlessly integrated with J.P. Morgan Payments and purpose-built for insurers.

After years of collaboration, innovation, and deep payment infrastructure work, Dream Payments has launched a platform that finally brings modern payments to the insurance industry across both the U.S. and Canada. The DreamPay Insurance Payment Hub enables insurers to collect premiums and issue claims payments from one secure, unified platform — while maintaining full control of their treasury, compliance, and customer experience.

Built with J.P. Morgan Payments — A Trusted Financial Partner

The DreamPay Hub is deeply embedded within J.P. Morgan Payments, leveraging their banking infrastructure, treasury services, and modern pay-in/pay-out rails. This means insurers no longer need to establish new bank relationships or rely on multiple third-party vendors to support operations across borders.

With DreamPay, carriers gain access to:

• Real-time payments, ACH, EFT, cards, and virtual disbursements

• Seamless each to over 350 million individuals and 30 million businesses in North America

• Integration with existing systems — including leading platforms like Guidewire and Insurity

Why This Matters — Now More Than Ever

Insurers have long been limited by legacy systems, regional complexity, and disconnected infrastructure. Claims payments often lagged. Premium collections were fragmented. Treasury oversight was compromised.

DreamPay changes that.

For the first time, carriers can:

• Operate across both the U.S. and Canada from a single platform

• Collect and disburse across every major payment rail

• Eliminate delays, reduce reconciliation overhead, and elevate the policyholder experience

It’s not just about modernizing payments. It’s about transforming how insurers respond, engage, and deliver — when it matters most.

We built this to solve the exact pain points insurers face when operating across North America.  This is the payments backbone carriers need to serve policyholders in real time — and with real trust.

A Moment Years in the Making

This milestone wouldn’t be possible without the support and trust of our incredible partners.

• To our friends at J.P. Morgan Payments: Thank you for working hand-in-hand with us to make this vision a reality. Your team’s support across business, legal, treasury, and comms was instrumental.

• To our insurance carrier clients across the U.S. and Canada: Thank you for placing early bets and building with us. You helped shape the DreamPay Hub in real time.

• To Insurity, the first insurance software platform to embed Dream’s payment services — your early belief in embedded payments helped pave the way for where we are today.

• And to our Dream Team: You made this happen. Tireless work, relentless commitment, and a shared belief in the future we’re building.

Ready to Modernize Insurance Payments?

If you're an insurance carrier or an insurance software platform looking to modernize how you collect premiums, disburse claims, and deliver a better policyholder experience, we’d love to connect.  Contact us at sales@dreampayments.com or visit www.DreamPayments.com to learn more.

Read the full press release here.