What is DisburseCloud?

DisburseCloud is our outbound payment platform, built to help organizations send payments quickly, securely, and at scale. We also offer Tranzpay, our inbound payment platform, allowing you to accept payments efficiently. Together, DisburseCloud and Tranzpay provide a complete solution through one company for managing both outgoing and incoming payments.

What makes DisburseCloud different from traditional payment systems?

DisburseCloud replaces slow, manual workflows with a modern, fully managed solution: • Multiple payment methods in one place • Instant and same-day payment options • Real-time tracking and reporting • Live system updates via webhooks • Inbound (Tranzpay) + outbound (DisburseCloud) through one company • Dedicated support that manages payments on your behalf You don’t just get software — you get a partner that executes the payment process for you.

Do you support inbound payments as well?

Yes. Our Tranzpay platform enables you to: • Process credit card and ACH payments • Improve payer experience • Simplify reconciliation You can manage both sides of the payment lifecycle through one company.

Who is DisburseCloud built for?

We work with organizations that move money at scale: Insurance carriers • MGAs & TPAs • Claims organizations • Enterprises with high-volume disbursements

How quickly can payments be delivered?

We offer flexible delivery speeds: • Instant Deposit: minutes • PayPal / Venmo: near-instant • ACH: 1–3 business days • Digital Check: same-day delivery • Postal Check: standard mail timelines • Cash Pickup (Walmart, Dollar General): same-day availability • Virtual Debit Card: instant delivery with immediate wallet access

Can we send payments the same day?

Yes. Many of our payment methods support same-day or instant delivery.

How long does implementation take?

Most clients are live in days to a few weeks, depending on your setup. We support: • Portal-based setup for quick launch • API integrations for automation • SFTP batch uploads for secure, high-volume processing We support workflows including: • Claims payments • Premium refunds • Vendor payments • Agency commissions • Multi-party payments

Do you offer real-time system updates?

Yes. We send real-time webhooks so your system receives: • Live payment status updates • Payment confirmations • Payment methods selected by the payee

Do we need to change our bank or financial setup?

No. DisburseCloud works alongside your existing banking relationships.

How does pricing work?

Our pricing is flexible based on: • Payment volume • Payment methods • Business needs We also provide flexible fee management options, allowing you to: •Pass payment fees to the payee (most clients choose this, resulting in immediate cost savings) •Share the cost by contributing a percentage of the fee •Contribute a fixed dollar amount toward the fee

How does DisburseCloud reduce costs?

We help reduce costs by: • Eliminating manual workflows • Reducing check printing and mailing expenses • Minimizing errors and reissues • Improving reconciliation efficiency • Offsetting payment costs through flexible fee structures

Is DisburseCloud secure?

Yes. We use enterprise-grade security: • Encryption in transit and at rest • Secure data handling • Role-based access controls

Are you SOC 2 compliant?

Yes. DisburseCloud is SOC 2 compliant.

Do you support compliance requirements like OFAC and tax reporting?

Yes. We handle: • OFAC checks • W-9 collection • 1099 processing for vendors

What payment methods do you support?

We support: • ACH • Instant Deposit • Digital Checks • Postal Checks • Virtual Cards • Virtual Debit Cards (Apple Wallet & Google Wallet compatible) • PayPal • Venmo • Cash Pickup (Walmart, Dollar General, and more)

What are Virtual Debit Cards and how do they work?

Virtual Debit Cards are digitally issued cards that recipients can: • Add instantly to Apple Wallet or Google Wallet • Use immediately for purchases or payments This is a powerful option for underbanked individuals, giving them fast and easy access to funds without needing a traditional bank account.

Can payees choose how they get paid?

Yes. Our payee choice model allows recipients to choose their preferred payment method.

What are multi-party payments?

Multi-party payments allow you to send a single disbursement to multiple recipients automatically, simplifying complex payment scenarios.

What types of multi-party payments do you support?

We support: • Claims with multiple beneficiaries • Vendor and service provider payments • Agency commissions • Fee and reimbursement distributions

Can each recipient approve or reject the payment?

Yes. Each recipient can Accept or Reject the disbursement. All parties must Accept before moving forward. Once accepted, recipients can then select their payment method.

Can we send documents to payees as part of the payment process?

Yes. You can: Send documents through DisburseCloud Or send documents from your core system

Can payees be required to approve documents before payment?

Yes. Payees can be required to review and accept documents before choosing their payment method.

What happens after a document is accepted?

Once accepted: The document is downloaded to the payee Stored within DisburseCloud A Certificate of Completion is generated

Who to pay and how much to pay

We handle: • Payee communication • Payment selection • Payment delivery • Ongoing support

Do you provide customer support to our payees?

Yes. We provide: • Full customer service support • Help desk ticketing system • Phone and email support

What kind of response times can we expect?

We quote up to 24 hours, but: • Most responses are same-day • 93% are resolved within 90 minutes

Do you offer priority support for adjusters?

Yes. We provide a dedicated Adjuster Hotline for priority support.

Will we have a dedicated point of contact?

Yes. You will have a dedicated inside customer service liaison.

Do you handle exceptions like returned checks and stop payments?

Yes. We manage: • Returned checks • Stop payments • Reissues

Do you support Positive Pay?

Yes. We support Positive Pay for fraud prevention and control.

Can DisburseCloud handle high payment volumes?

Yes. We are built to scale with your business.

What happens as we grow?

You can: • Add payment methods • Expand workflows • Increase volume without changing infrastructure

Why choose DisburseCloud?

Because we provide: • Outbound + inbound solutions through one company • SOC 2 compliant security • Real-time integration via webhooks • Fully managed payment operations • Built-in compliance (OFAC, W-9, 1099s) • Flexible cost control with fee pass-through options • Inclusive payment options like Virtual Debit Cards for the underbanked • Dedicated support with fast response times We don’t just process payments — we take the burden off your team and ensure everything runs smoothly from start to finish.

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