The Online Payment Portal (powered by Invoice Cloud) is a payment platform for clients to easily manage and pay premium statements any time. You access the platform using a Single Sign On (SSO) from the Nippon Life Benefits Employer Portal
Features and Benefits
- View Open and Closed (paid) Statements
- Set up Auto-Pay
- View Payment History
- Schedule recurring payments
- Manage your payment type (credit/debit card, or checking account)
- Change banking information or method of payment
How do I register for the Online Payment Portal
- Complete the Online Payment Portal Access section, on the Web Access and Online Payment Portal Update Form and have the Primary Administrator sign form
- Send form via:
Email form to Admin-info@nipponlifebenefits.com or
Attach form to Messages from the Employer portal - Once we have authenticated the form, access to Online Payment Portal will be granted
- When you next login the link to Online Payment Portal will appear in the my client links tile above the Premium Payment History link
- Clicking on the Online Payment Portal link will take you to the home page where you have the following options to make payments, click on either:
- Auto-Pay Icon
- Pay My Statements
- Allows one-time pay and recurring scheduled payments
- For Recurring Scheduled Payments, complete the payment method (credit/debit/banking information), then click on Recurring Schedule under the My Profile to pick payment date, and other options
- Allows one-time pay and recurring scheduled payments
Check to make sure your bank does not have a Debit block on your account, if one exists we will not be able to access your bank account. Our ACH ID is #0000063576. For additional questions, contact your bank, or navigate to the Troubleshooting section on this page.
To access the Online Payment Portal, please register on the Nippon Life Benefits Employer portal. Please register here.
You can also view our easy step by step guide to get started!You will access the Online Payment Portal via Single Sign On (SSO) through the Employer Portal. The link for the Online Payment Portal will be under My client links. Our administration team would be happy to assist you with any questions – please call contact 800-374-1835 ext. 43780.
In order for us to authenticate that the appropriate party has access to the Employer portal, a Web Access and Online Payment Portal form needs to be completed.
- Complete the Online Payment Portal Access section, on the Web Access and Online Payment Portal Update Form and have the Primary Administrator sign form
- Send form via:
Email form to Admin-info@nipponlifebenefits.com or
Attach form to Messages from the Employer portal - Once we have authenticated the form, access to Online Payment Portal will be granted
- When you next login the link to Online Payment Portal will appear in the my client links tile above the Premium Payment History link
- Clicking on the Online Payment Portal link will take you to the home page where you have the following options to make payments, click on either:
- Auto-Pay Icon
- Pay My Statements
- Allows one-time pay and recurring scheduled payments
- For Recurring Scheduled Payments, complete the payment method (credit/debit/banking information), then click on Recurring Schedule under the My Profile to pick payment date, and other options
- Allows one-time pay and recurring scheduled payments
Check to make sure your bank does not have a Debit block on your account, if one exists we will not be able to access your bank account. Our ACH ID is #0000063576. For additional questions, contact your bank, or navigate to the Troubleshooting section on this page.
What if I was already enrolled in Automatic Premium Payments?
To update payment information, log in to the Nippon Life Benefits Employer portal, and click on the Online Payment Portal link under the my client links tile. Once on the platform, access My Profile on the top right of the page.
Please read the Transition Checklist. If you previously had not been provided permission to access the portal you will need to have the Web Access and Online Payment Portal Update Form completed by the Primary group Administrator. This form should be sent to Admin-info@nipponlifebenefits.com, and in order for us to grant permission, you need to also go to www.nipponlifebenefits.com/employer and register.
Our Administration/Billing team can assist you if you had been using the Automatic Premium Payment method, and currently debits are occurring from your checking account. Please call 800-374-1835 (ext. 43780) to connect with our team.
Frequently Asked Questions
What are some of the benefits of paying a bill online?
Paying online with a credit/debit card or electronic check gives you the flexibility to pay how and when you want. It saves you the trouble from writing and mailing a check. In addition, for a faster payment experience, you may choose to store your information for future use. The AutoPay option allows you to set up your banking information and the premium statements will be paid automatically on the 10th of the month in which the premium is due.
Can I see historical payments?
Yes, from the Online Payment Portal home screen go to Recent Payments. We will store up to 24 months of history. You can download to an excel document for reconciliations.
How do I access the Online Payment Portal?
There is a single sign on (SSO) link to the Online Payment Portal from the Nippon Life Benefits Employer portal when there is statement history. If you have access to the Nippon Life Benefits Employer portal already, skip to step 4.
To Register:
- Go to www.nipponlifebenefits.com, click Login/Register tab on the top of the page, and select Employer.
- Click Create My Account.
- Follow the instructions on each page.
For further details on how to register, you can view: How to register on Employer Portal - Once in the Nippon Life Benefits Employer Portal, you will see a link under the My client links. Clicking this will take you directly to the Online Payment Portal.
How do I add a user to access the Online Payment Portal?
We have established a separate permission to access the Online Payment Portal. To allow an additional user to the Online Payment Portal, please complete a Web Access and Online Payment Portal Update Form, and email to admin-info@nipponlifebenefits.com, or attach to Messages from the portal. Please ask the new user to register at www.nipponlifebenefits.com/employer.
Why doesn’t everyone with access to the Nippon Life Benefits Employer portal have access to the Online Payment Portal?
Online Payment Portal users can update and view banking and credit/debit card information which you may not want others to see, therefore we have created a separate permission and access to the Online Payment portal.
How do I pay my bill with the online payment portal?
There are three methods; AutoPay, One Time Pay, and Recurring Scheduled Payments. You choose how you pay via credit/debit card or savings/checking account.
For AutoPay, click on the AutoPay icon from the Home page
For One time pay, and Recurring Scheduled Payments go to Pay My Statements
For Recurring Scheduled Payments, complete the payment method (credit/debit/banking information), then click on Recurring Schedule under the My Profile to pick payment date, and other options.
I need to pay my bill, but cannot find the Online Portal Payment link.
If you are on the Nippon Life Benefits Employer portal home page, and do not have a link under the My client links tile, call our Administration team to review your permissions to access. If we need additional information they will work with you to establish the link.
When I try to pay my bill, it asks for credit card information and I want to pay by electronic check.
Under “How would you like to pay” click on the drop-down box and choose New Bank Account.
Will I receive a confirmation email that my bill has been paid?
Yes, you will receive a confirmation email.
What forms of payment can I use?
You can pay with credit* or debit* card or you may issue an electronic check from your bank account (checking or savings).
*A service fee of 2.95% of the transaction amount with a minimum of $1.95 is applied when using Credit or Debit cards
What is a service or convenience fee?
A non-refundable fee added to the statement to cover various administrative costs associated with billing and accepting your payment. The fee is 2.95% of transaction with a minimum of $1.95.
Will I need to notify my bank?
If paying by EFT/ACH/echeck, there may be a Debit Block or Filter in which you would need to contact your bank. If there is a Debit Block on the bank account that you plan to use to pay premiums, you will need to request your bank to change it to an ACH Debit Filter to allow for the ability to debit the premium from the account. In addition you will need to add the Nippon Life Benefits ACH ID #0000063576 to your authorized debit list. The Originator on the transaction will read: NIPPON LIFE BENE. If there is an existing ACH Debit Filter on the bank account, you will only need to add the Nippon Life Benefits ACH ID# to your authorized debit list. If you do not have either an ACH Debit Block or ACH Filter in place, no action is required. Lastly, updating the debit/filter block may take a few days. If this step is not completed and the payment is returned your banking institution may charge a fee.
I have a Debit Filter for ACH’s on my bank account what do I need to do?
If there is an existing ACH Debit Filter on the bank account, you will only need to add the Nippon Life Benefits ACH ID# #0000063576 to your authorized debit list. The Originator on the transaction will read: NIPPON LIFE BENE.
My payment method was blocked, what could be the cause?
If paying by EFT/ACH/echeck, there may be a Debit Block or Filter in which you would need to contact your bank.
If there is a Debit Block on the bank account that you plan to use to pay premiums, you will need to request your bank to change it to an ACH Debit Filter to allow for the ability to debit the premium from the account. In addition you will need to add the Nippon Life Benefits ACH ID #0000063576 to your authorized debit list. The Originator on the transaction will read: NIPPON LIFE BENE. If there is an existing ACH Debit Filter on the bank account, you will only need to add the Nippon Life Benefits ACH ID# to your authorized debit list. Updating the debit/filter block may take a few days.
How will I know that my payment has been accepted?
After you submit your payment, you will see a payment confirmation screen. It will contain your payment confirmation message. It will show an approved number for credit cards or a processed number for electronic check. You will also receive a confirmation email after your transaction is submitted. The email will include your account number, invoice number, amount paid and confirmation message. If your electronic check does not pass through the bank, you will receive an email informing you of the rejected payment.
Can I use more than one payment method per transaction?
Yes, you may use one payment method for part of the transaction and another payment method for other parts of the transaction.
How long does it take for online payments to process?
Credit card transactions are authorized immediately and typically take 48 hours to settle. ACH transactions typically take 48 – 72 hours to settle.
Can I tell if my payment has been posted?
Yes, simply login and from the Online Payment Portal home page view Recent Payments.
How long will my payment history be maintained?
24 months is the standard retention period.
How long will I be able to view premium statements?
From the Nippon Life Benefits Employer portal, you can view up to 36 months by selecting Premium Statement History under My client links. From the Online Payment Portal, you will be able to view statements up to 24 months in the Online Payment Portal.
Will I be able to print a copy of my bill?
Yes, from the Nippon Life Benefits Employer portal, you can print PDF and CSV files by selecting Premium Statement History under My client links. From the Online Payment Portal, each statement is presented in PDF and HTML format.
What is AutoPay?
AutoPay is a convenient option in which premium statements will be paid automatically on the 10th of each month using your default credit card or bank account. This will avoid any late fees and free you from having to remember when to pay. Login to the Nippon Life Benefits Employer Portal, click the Online Payment Portal link. Next, click the AutoPay button to enroll.
Can I cancel AutoPay?
Yes, login to the Nippon Life Benefits Employer Portal, click the Online Payment Portal link. Next, select Edit, change the status to “No, I do not want AutoPay” and save. To modify, go into your profile and uncheck the AutoPay box that you had previously checked when you elected to opt in.
We are signed up for AutoPay but do not see anything showing under “Upcoming Scheduled Payments.”
The AutoPay date will not appear on the home page under Upcoming Scheduled Payments. However, when on the Scheduled Payments page, AutoPay will show.
What are scheduled payments?
Scheduled payments allow you to select the date your payment is made and choose the amount of payment. You can select one time or Recurring Scheduled payments.
What is the difference between AutoPay and a scheduled payment?
AutoPay is an automated process which pays your balance in full each billing cycle on the 10th of the month. Scheduled payments are manually entered by you for the date you choose.
What Notifications will I receive?
After initial set-up, the Online Payment Portal will provide you with notices when your Premium Statement is available to pay, and a payment has been processed, as well as a variety of notices depending upon the payment option selected. You can view the email that is tied to your Online Payment Portal access by selecting My Profile, and Manage Accounts. To update your email or if a change in contact information is needed, notify admin-info@nipponlifebenefits.com.
What is the email address that will provide the Notifications?
Notifications will be coming from Invoice Cloud. To avoid emails being blocked, please whitelist the domain, no-reply@invoicecloud.net. If you use outlook, you can view instructions on how to do this here.
How do I terminate access to the Online Payment Portal?
The Primary Administrator should contact admin-info@nipponlifebenefits.com to request us to remove the permission to access the Online Payment Portal. The Primary Administrator will need to specify if the termination, is for all of the Employer Portal, or just the Online Payment Portal feature. Terminations can also be communicated by using the Web Access and Online Payment Portal Update Form.
Why don’t I have an email indicating my premium statement is ready to view?
In order to receive messages, you have to register on the Employer portal go to www.nipponlifebenefits.com/employer and follow the instructions, or review this video.
Why didn’t my payment go through?
If paying by EFT/ACH/echeck, there may be a Debit Block or Filter in which you would need to contact your bank.
If there is a Debit Block on the bank account that you plan to use to pay premiums, you will need to request your bank to change it to an ACH Debit Filter to allow for the ability to debit the premium from the account. In addition you will need to add the Nippon Life Benefits ACH ID #0000063576 to your authorized debit list. The Originator on the transaction will read: NIPPON LIFE BENE. If there is an existing ACH Debit Filter on the bank account, you will only need to add the Nippon Life Benefits ACH ID# to your authorized debit list. Updating the debit/filter block may take a few days.
The system should send you specific messages as to why the payment did not go through.
I don’t see the link to the Online Payment Portal
You may not be registered correctly, please contact our Administration team by calling 800-374-1835.
I have access but I am not the person who pays the bill, how do I get another person registered for the Online Payment Portal?
We have established a separate permission to access the Online Payment Portal. To allow an additional user to the Online Payment Portal, please complete a Web Access and Online Payment Portal Update Form, and email to admin-info@nipponlifebenefits.com, or attach to Messages from the portal. Please ask the new user to register at www.nipponlifebenefits.com/employer.
I need additional help, who do I contact?
Please contact our Administration team by calling 800- 374-1835 ext. 43780
For the quickest assistance, contact 800-374-1835 ext. 43780. You can also email your inquiry to admin-info@nipponlifebenefits.com. Please include Group Name, Account/Group Number, and your first and last name.
Disclaimer
This information is subject to change, at any time and without notice, by Nippon Life Insurance Company of America. Further, the policies and procedures summarized herein may vary based upon your policy situs state and/or state of residence. Please contact Customer Service for additional details.
This material and information is intended for informational purposes only – the material and information provided on this website does not, and is not intended to, constitute legal or medical advice.