Overview: Account-level billing allows you to bill multiple policies together so that only a single invoice is generated and sent to the payor. It enables payment processing at the account level so that a payment can be allocated to one or more line items (policy installments) within the account-level invoice.

Features:

1. Account billing can be enabled in Origami within a few minutes of UI updates.
2. Origami requires Billing Account(s) to be set up prior to billing any policy at the account level. A billing account is a payor account to whom the account-level invoice is sent and from whom the payment is received. A billing account can be:
   1. The insured having multiple policies that need to be billed together.
   2.  A contact person or a business managing policies of one or more insureds and needing a consolidated invoice per billing period.
3. A new proposal/quote can be billed at the account-level by selecting the billing-level as Account Bill. A billing account needs to be linked so that the policy installments can be rolled up to the billing account.
4. Invoices are created at the account level and multiple policy level installments are added to an invoice based on due date and invoice/transaction date of the installments.
5. The account-level billing is due date billing. That means the invoice schedule created at the account level has the same due date for all the invoices in its schedule. 
   1. However, when a new policy is billed at the account level, the first invoice may have a different due date depending upon the policy effective and bound date. 
   2. Similarly, an endorsement on a policy resulting in a one-off invoice may have a different due date.
6. The account level invoices can be automatically issued by turning on the auto issue setting. However, a user with role permission can manually issue an invoice.
7. Payment Processing: Payments are processed at the account level.
   1. A user can manually allocate a payment to one or more account-level invoices.
   2. A user can also drill down to an invoice to allocate payment to one or more policy installments within an invoice.
   3. Online payment is available to pay off account-level invoices.
   4. Payment information can be saved for future recurring payments.
   5. Pre-bind, one-off payments can be collected on the policy, which rolls up to the account level for easier tracking and reporting.
   6. A draft payment can be saved and allocated in the future.
   7. A payment can be partially allocated. The remaining balance can be allocated in the future.
8. Workflow changes at the policy level: When a policy is billed at the account level, the following changes have been made to keep the workflow simple and devoid of ambiguities.
   1. An invoice schedule is still created at the policy level to track and report on each policy individually.
   2. Policy-level invoices cannot be invoiced from the policy since it is part of the account-level invoice.
   3. The policy cannot accept a payment directly. A payment must be entered at the account level.
   4. Refund, balance transfer, pay online, payment reversal, and payment deallocation have been restricted at the policy level. All of these actions can be initiated from the account level.

1. A receipt confirmation is now available when a payment is successfully completed on One Inc. payment portal. The receipt is downloaded on user browser and is also available on Origami's payment record.
    
2. A new admin screen for One Inc. key groups supports the need for multiple merchant accounts for carriers and MGAs. This is useful when there are multiple merchant accounts set up with One Inc. and each account is used based on different factors such as line of business, carrier, etc. A key group is set up and can be configured to filter based on various fields on the proposal or policy. The system resolves to the correct key group and uses the group to transact payment.
    
3. When using One Inc. for online payment processing, a payment can now be scheduled to be withdrawn on a future date. This is useful when the payor has received an invoice and the payor wants to schedule the payment a few days in the future rather than paying immediately. Once a payment is scheduled, it can be edited, rescheduled, or canceled prior to its scheduled date. 

• Pay-as-You-Go: When reporting a payroll on a workers’ compensation line of business, the job class codes are now grouped by the state and location. This allows payroll reporting by each location and is useful when there are multiple locations within a state that have the same job class code. This behavior can be controlled to toggle on state or location. 
• Save and Continue for Proposals: A "save and continue" button has been added onto the proposal edit screens, so users can easily see the effect of each change they enter. Selecting this button keeps the user on the same form, which allows multiple saves on the same form without being redirected to the read-only form. 
• Remove Interview Form Page Counter: Origami now allows users to remove the page counter on the application interview workflow. By doing that, only the title of the page is displayed on the header and page numbering is hidden from the end user. This is particularly useful in dynamic application workflows where the count of the total number of pages changes as per user selection.
• Why Can’t I Bind: A "Why can't I bind?" menu option has been added to the Proposal menu to help a user understand why the "Bind Quote" may not be appearing for them.
• Embedded Coverage Panels: Origami enhanced the embedded coverage workflow to allow the user to select each coverage panel by coverage. This enables the user to select the order of coverages on the form. It also allows a user to add only those coverages that are required by the rating program.
• Notes and Tasks Functionality: Users can now add notes and tasks on the Agency Transactions record. 
• Select All Functionality on Grid Panel: Added the ability to write off multiple transactions at once. Added a master checkbox for the grid to control all selections within the codebase.
• Bulk Bind Endorsement Functionality: Added Support for a Null Type at the time of Bind in Bulk, similar to the behavior of single endorsement creation with that selection.
• Security Deposit Calculation Configuration: A Security Deposit option has been added to the Billing Profile Edit page to include/exclude taxes in the calculation of the security deposit amount. This option allows the user to calculate the security deposit amount on the policy premium amount only or on the total cost of the policy. 
• Commission Check Functionality: The commission disbursement function now scans commission adjustments individually and disburses commission owed without having it tied to the regular policy commission, which prevents possible lengthy waiting periods. This may be useful when a carrier does not have any outstanding commission payable to an agency but has an adjustment payable due to some service agreement changes. 
• Agency Account Sweep Emails: Emails are now automatically sent when a job starts and finishes. This is especially useful when an account sweep is manually fired from the Broker page. The new settings can be found in Account Settings under the new Agency Sweep section. 
• Apply Payments to Individual Invoices and Premium Line Items Across Installments: Added the ability to apply payment allocation to individual premium line items across multiple installments more efficiently. Added workflow/functionality to allow a user to allocate funds within a selected policy, after save. This is particularly useful in scenarios when a partial payment is processed on an invoice and payment needs to be allocated in a certain way to the line items. 
• Customize Columns for Bulk Import of Schedules: Added the ability to define which columns to include on the template for bulk import of application schedules. The custom template can be used to import the data on respective schedules.
• Commission Difference Field for Proposals: Proposals include fields for Premium Difference and Original Premium, which are specifically useful for endorsements. We've added a field for "Commission Difference" that shows the difference in the commission amount. The value is automatically set by the system.
• Duplicate Check Fields via Policy Changes: Origami can check for duplicate records during Policy Change process. It can be configured to multiple schedules depending upon coverages and line of businesses. For example - A vehicle schedule can be configured to check for VIN duplicates when a new vehicle is added to the policy as a policy change.