Every claim payment, every modality. One workflow.
From first notice of loss to funded claimant — one API instruction from your claims system, eight modalities for your payee. Bodily injury, property damage, auto total loss, and medical payments — handled without parallel queues.
Bodily Injury
Direct-to-claimant settlement with lienholder coordination. Release checks, attorney trust accounts, and split disbursements — all from one payment instruction.
Property Damage
Pay repair shops, contractors, and restoration vendors. Multi-party payments include mortgage lender bypass so you never have to cut a two-party check.
Auto Total Loss
One instruction splits the settlement: lienholder payoff via ACH, claimant balance via instant deposit, and optional salvage yard payment — with four webhook confirmations.
Medical Payments & PIP
Pay medical providers, hospitals, and rehabilitation facilities directly. EIN validation and 1099 tracking built in for every provider payment.
8 payment modalities
ACH, instant deposit, virtual card, check, Venmo, PayPal, Zelle, and Apple Cash. Payee picks at selection time — your instruction never changes.
Multi-party in one instruction
Lienholder, claimant, and vendor paid from a single approval. Funds split and routed automatically at settlement.
Real-time webhooks
Signed, idempotent event for every state change: issued, selected, funded, cleared, voided. Reconcile without polling.
Bilingual payee support
US-based English and Spanish agents available for payee questions. Bilingual SMS and email throughout the selection flow.
Stop-pay & void / reissue
Stop an uncleared check or recall an ACH with one API call. Reissue to a different modality in the same workflow.
1099-ready reporting
Claimant and vendor payments tracked for IRS 1099-MISC/NEC. Year-end export in EFW2 format for your tax team.
Mortgage lender bypass
Lender directory pre-loaded. Carrier approves the repair, DisburseCloud routes lender's portion directly — no two-party check issued.
Segregated per-line ledgers
Auto, property, workers' comp, and liability each get a separate ledger. Per-line reconciliation with no commingling.