CSG FORTE

Unified payments platform processing USD 118 billion annually for 114,000+ merchants across insurance, government, healthcare, and utilities.

Insurtech Infrastructure Established Acquired

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Overview

CSG Forte is a unified payments platform provider with over 25 years of experience processing digital and electronic payments for businesses across insurance, government, healthcare, utilities, telecom, and retail. Originally founded as Forte Payment Systems in 1998, the company was acquired by CSG Systems International (NASDAQ: CSGS) in October 2018 for USD 85 million, and now operates as CSG's payments division.

CSG Forte processes approximately USD 118 billion annually across more than 114,000 merchants, handling 168 million customer payments per year. The platform supports all major US payment rails including ACH/eCheck, credit and debit cards, real-time payments, digital wallets (Apple Pay, Google Pay, PayPal, Venmo), and virtual card issuance. For insurance specifically, CSG Forte's Straight Through Processing (STP) capability accelerates claims reimbursements, replacing traditional 60-day check cycles with next-day virtual card payments deposited directly into healthcare and insurance providers' bank accounts.

The company holds Nacha Preferred Partner status for its account verification solutions and is a PCI DSS v3.2.1 Level 1 Service Provider, ISO 27001:2013 certified, and SSAE 18 SOC 1 Type II compliant. CSG Forte is a registered Money Services Business (FinCEN) and licensed money transmitter in 41 US states and territories.

Products & Services

Unified Payments Platform

End-to-end omnichannel payment processing solution supporting all major payment rails through a single integration point.

Key Features

ACH/eCheck processing with access to 20+ bank ODFIs
Credit and debit card processing (processor-agnostic)
Digital wallet support (Apple Pay, Google Pay, PayPal, Venmo)
IVR (Interactive Voice Response) phone payment processing
In-person POS with EMV, contactless, and mobile wallet support
Recurring payment scheduling and management
Bill presentment and payment

Target Users: Carriers, TPAs, government agencies, healthcare providers, utilities

Straight Through Processing (STP)

Virtual card payment service that accelerates insurance reimbursements and claims payments from a 60-day check cycle to next-day disbursement.

Key Features

Virtual card issuance for claims and reimbursements
C2B and B2B payment flows for insurance-to-provider settlements
Integration with Optum Financial for healthcare STP
Direct deposit into provider bank accounts

Target Users: Insurance carriers, health plan administrators

Forte Verify (Account Verification)

Nacha-certified account validation solution for ACH payment risk reduction.

Key Features

Real-time bank account verification
NSF recovery and returns management
Fraud detection and prevention
Account update automation

Target Users: Any merchant processing ACH payments

Developer APIs & SDKs

RESTful API platform with multiple integration options for embedding payment processing into existing systems.

Key Features

REST API (Web Services) and Advanced Gateway Interface (AGI)
Forte.js JavaScript library
React Native SDK for mobile apps
Batch transmission processing
Tokenization and data encryption

Target Users: Insurance IT teams, ISVs, system integrators

At a Glance

Founded: 1998
Headquarters: Fort Worth, Texas, USA
Employees: 51-200
Funding: Acquired

Category & Focus

Category: Insurtech Infrastructure
Subcategories: Payment Processing ACH Digital Disbursements Claims Payments Bill Pay
Insurance Verticals: P&C Personal P&C Commercial Health Life & Annuity
Target Customers: Carriers, TPAs