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.
What DisburseCloud handles for claims payments
DisburseCloud covers the full range of claims payments scenarios your team sees — one API instruction from your system of record, eight payment modalities for the payee, and real-time webhook confirmation back to your ledger.
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 possible mortgage lender bypass, which can eliminate the need to cut a two-party check when criteria are met.
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.
Capabilities included with every claims payment instruction
Every DisburseCloud claims payments payment ships with the same platform capabilities — modality choice, real-time webhooks, multi-party splits, per-line ledger segregation, and full audit trails — with no add-on vendor to license.
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.
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The other outbound flows DisburseCloud handles from the same platform, plus pricing and a way to see it live.