Shift4 Integration with Modular Solutions 

About Shift4 

Shift4 is a financial technology company that processes payments and provides commerce technology for over 200,000 businesses across the globe. They acquired Bambora in 2026, taking over their secure payment solutions and adding them to their suite of products. This integration was built for the legacy Bambora payment gateway, used in conjunction with EBizCharge for payment processing.

Shift4 Integration with Modular Solutions 

The Shift4 integration is with the legacy Bambora payment gateway, which will continue to be supported after the acquisition. This integration enables Modular Solutions clients to accept credit card and bank account (EFT/PAD) payments directly within the Modular experience.  

Sensitive card information is not stored in Modular. Instead, secure payment profiles are used so clients can save payment methods and process future payments safely and efficiently. This supports a more secure, PCI-conscious payment experience while keeping payment activity embedded in the insurance workflow. 

How the Shift4 Integration Works with Modular Solutions

As previously stated, the integration with Shift4 is only with the legacy Bambora platform, not Shift4’s own payment solutions. Here’s how the integration works within the Modular Solutions platform.

Credit Card Payments 

Credit card payments are processed in real time.  When a payment is submitted, Modular receives an immediate approval or decline response. This helps teams confirm whether payment was successful at the point of quote conversion, policy activation, installment collection, or refund processing. 

Supported card actions include:  

• immediate charges 
• pre-authorizations 
• capture of held funds 
• voids 
• refunds 

Electronic Funds Transfer (EFT) 

Bank account payments are processed differently from cards. 

EFT transactions are grouped into secure batch submissions and processed after submission rather than instantly. Modular then updates payment records when final status information becomes available. 

This gives teams visibility into outcomes such as: 

• successful settlement 
• insufficient funds 
• invalid account details 
• other failed bank transactions 

Automated Payment Workflows 

Once a policy or account is active, the Modular Solutions platform continues to interact with the Payment Gateway to manage scheduled payments. 

The system automatically: 

• Generates payment schedules
• Executes installment payments
• Tracks outstanding balances
• Records payment results 

This ensures financial transactions remain synchronized with the policy lifecycle. 

Secure Payment Processing 

Privacy and security are core strengths of this integration. Sensitive credit card data is not stored in Modular. Instead, payment details are tokenized and stored securely with the payment gateway as reusable payment profiles. Modular retains only the payment references, transaction statuses, and audit history needed to support billing and collections. Sensitive payment fields are also sanitized from logs, helping reduce operational risk while maintaining a secure, embedded payment experience. 

• Reduced exposure to sensitive card data
• Safer support for saved payment methods
• Lower operational risk
• Cleaner audit trail for finance and compliance teams
• Embedded payments without bringing raw card storage into the core platform

Frequently Asked Question About Shift4 (Bambora Legacy) Integration  

What does this integration do? 

This integration allows Modular clients to accept and manage credit card and bank account (EFT/PAD) payments within the Modular platform. 

It supports: 

• real-time card payments 
• batch-based bank account payments 
• saved payment methods 
• refunds 
• payment status tracking 

What is the value of having this integration? 

The main value is that clients can manage payments inside the same workflow they use for quotes, policies, billing, and collections. 

This helps clients: 

• reduce payment friction 
• improve the customer experience 
• support both cards and EFT 
• reduce manual follow-up 
• keep payment history and billing activity in one place 

What payment methods are supported? 

This integration supports credit card and bank account (EFT/PAD) payments. This gives the flexibility to offer customers the payment method that works best for them.

Are credit card payments processed in real time? 

Yes. Credit card payments return an immediate approval or decline response, which is useful when clients need to confirm payment right away, such as at bind, issue, or installment collection time.
 

Are bank account payments (EFT/PAD) real time? 

No, bank account payments are processed through a batch-based EFT flow, so the final result is not immediate. They are submitted for processing first, and the final status is confirmed later. That means EFT is well suited for scheduled collections, but clients should not expect the same instant response they get with credit cards.

Can clients save payment methods for future use? 

Yes, the integration supports saved payment methods. This is particularly useful for installment billing, renewals, follow-up collections, and reducing re-entry of payment details. 

This improves convenience for both customers and service teams.

Is this integration secure? 

Yes – security is one of its strongest features. Sensitive card data is handled by the payment provider, while Modular keeps the references and transaction records needed to run billing and collections. Key protections include: 

• tokenized payment handling for cards 
• secure payment profiles for saved methods 
• sanitization of sensitive fields in logs 
• transaction history and auditability for payment activity 

Are refunds supported?  

Yes, the integration supports refunds and is tracked in the payment history. The workflow is different for credit cards and bank accounts.

Does the integration support pre-authorizations? 

Yes, pre-authorizations are supported for credit cards. Temporary holds are also supported for credit cards. 

Pre-authorization is not supported for bank account payments. 

Who is this integration best suited for? 

It is best suited for clients that: 

• collect premiums directly from insureds 
• want both card and EFT payment options 
• need saved payment methods 
• want payment activity embedded inside Modular 
• need better visibility into payment outcomes and history 

It is especially strong for direct-bill insurance payment workflows.

How does this integration help reduce manual work and administrative burden? 

It reduces manual work by giving teams: 

• a single place to manage payment activity 
• stored payment methods for repeat collections 
• clear visibility into approvals, declines, and settlements 
• easier tracking of payment history 
• fewer disconnected steps between billing and payment 

In practical terms, it helps staff spend less time chasing payment details across systems.

What happens if a payment fails? 

For credit cards, the decline is returned immediately so the user can provide another card or retry right away. 

For bank account payments, the failure will be confirmed later once the batch result is returned. This gives clients visibility into payment outcomes such as insufficient funds, invalid account information, and other bank-related failures.

Does this support recurring or scheduled billing? 

Yes, in the sense that Modular can manage payment schedules and use saved payment methods to support ongoing collections. 

This is valuable for: 

• installment plans 
• renewals 
• outstanding balance collection 
• follow-up billing activity 

What should clients understand about the Shift4 / Bambora naming? 

The gateway is commonly known in Modular materials as the legacy Bambora / Worldline gateway. Modular supports this established payment gateway for embedded payments today branding and ownership history do not change how the core payment workflows behave for clients.  

However, the acquiring company, Shift4 also has their own, separate payment processing and gateway product. Modular does not currently have an integration with this product. 

Want to learn more? 

Contact us today with your questions or to see this integration in action.