Give every claimant a choice — at no cost to the carrier.
Virtual cards, ACH, instant deposit, postal check, digital check, Venmo, PayPal, cash pickup. Eight modalities. One platform. Zero default cost to you.
Carrier-reported, first 90 days post-rollout. Representative figures.
Trusted by carriers, MGAs, and TPAs across the country.
Two halves of one payments platform.
Tranzpay handles money coming in — premium collection, billing, and reconciliation. DisburseCloud handles money going out — claims and vendor disbursements with real claimant choice.
Use one. Use both. Same ledger discipline. Same audit posture. Same named CSM.
Premium billing, collections, and reconciliation for carriers and MGAs. ACH, card, lockbox, and digital wallet acceptance.
DisburseCloudClaims and vendor payments — with eight modalities the claimant actually chooses from. Real-time webhooks back to your ledger.
A modern outbound payments platform, sized for insurance.
We pulled six days out of our claim payment cycle in the first quarter, and the reissue rate dropped close to two-thirds. The bigger win was quieter — our adjusters stopped fielding “did it land?” calls and got their afternoons back.
Eight ways to pay a claimant — enabled or disabled per recipient.
8 modalities · 1 instruction · 1 webhook
Single-use card pushed to the claimant in seconds.
Standard ACH with built-in stop-payment and positive pay.
Push-to-debit. Funds available within a minute.
Printed and mailed. Stop-pays and reissues automated.
Emailed PDF the claimant deposits via mobile capture.
Direct deposit to the claimant's Venmo balance.
Push to PayPal — domestic and cross-border.
Walk-in pickup at thousands of partner locations.
A short, calm page in their pocket — in their language.
The claimant taps a secure link in a text or email, switches to Spanish if they prefer, picks the modality, and confirms. No app to download. No account to create. Branded to your carrier, not ours.
- English / Spanish, claimant-selectable
- Only the modalities you enabled for this line of business
- Audit-grade consent and identity capture
- Confirmation that pings back into the claims system in real time
One instruction. Real choice for the claimant. Clean reconciliation for you.
Approve the payment from your claims system.
Adjusters approve a payment the same way they always have. We pick up the instruction — by API or in-app — and decide which modalities the claimant will see, based on rules you set per line of business.
The claimant chooses how they want to be paid.
They get a secure link, in English or Spanish, and pick virtual card, instant deposit, ACH, check, Venmo, PayPal, or cash pickup. Our team handles their questions, not yours.
Status and modality appear back in your claims system.
The instant the claimant selects, confirms, and funds clear, your claims system reflects it — status, modality, settlement time. Reconciliation never lags. Adjusters stop chasing.
One claim. Three payees. Three modalities. One instruction.
Auto total losses with a lienholder. Bodily-injury settlements with a medical lien and plaintiff’s counsel. Subrogation recoveries. Workers-comp with provider, attorney, and injured worker. The shape carriers ask about every time, handled on the same instruction the adjuster already files.
- Single approval, multiple disbursements — independently tracked.
- Each payee gets their own modality choice, in their language.
- Per-leg holds for lienholder verification or attorney IOLTA rules.
- One webhook per leg, plus a parent “claim payment settled” event.
Connects to your claims system.
Bring your stack. We’re not asking you to leave it. Our API and webhook model is built to slot into the policy and claims systems carriers actually run — and the custom platforms in between. A growing partner network plus a clean REST API mean integration is rarely the blocker.
Names shown reflect platforms our model supports. Production integrations are scoped per engagement.
The boring parts, done properly.
What your audit, treasury, and legal teams ask about — built in, not bolted on.
See it run on a sample claim.
A 30-minute walkthrough with a CSM — your line of business, your claims system, a real claim file. We’ll show the adjuster view, the claimant view, and the webhook trail end-to-end.