The Disbursecloud Advantage: OTP & Facial Recognition

Experience State-of-the-Art in Claims Payments Security

Welcome to a New Era of Claims Payment Processing 

Claims payments security is utmost important, therefore at Disbursecloud, we believe that the future of claims payments is rooted in security, efficiency, and modern technology. Our cutting-edge solutions empower risk managers, claims managers, VP of claims, and CEOs to take control of the claims payment process.

OTP (One Time Passwords)

Customer receives email

Customer opens email that contains a link to access their payment modality page

Prompted for Phone #

Claimant enters their phone number upon opening the page, which must match the number provided by the Insurance Carrier. A verification code is sent to the claimant's phone number via SMS.

Claimant accesses options for payment

 Post-verification, the claimant is directed to a page to select their preferred payment method.

Facial Recognition

Upload Photo of ID:

Claimant uploads a picture of their identification document.

Take a Selfie:

Claimant takes a live selfie to ensure authenticity.

Live Selfie Verification:

Our system verifies that the selfie is live and not a photo of a photo.

Pass Verification:

If claimant passes the ID and live selfie verification...

Proceed to Payment Modality Page:

 ...they are directed to a page to choose their preferred payment method.

"Disbursecloud has revolutionized our claims payment process. The security and efficiency are unmatched!"


Risk Manager

The Benefit Highlights

1. Robust Identity Verification:

  • Utilize facial recognition and document verification to ensure that payments are made to the legitimate claimant.
  • Reduce identity theft and fraud, ensuring the integrity of your claims payment process.

2. Streamlined Experience:

  • Quicken the claims payment process by verifying identities swiftly and accurately.
  • Enhance claimant satisfaction with a smooth and hassle-free experience.

3. Reduced Operational Costs:

  • Minimize reliance on physical checks, which are costly to produce and process.
  • Save time and resources by automating identity verification and payments.

4. Enhanced Security and Compliance:

  • Achieve compliance with regulatory requirements for identity verification.
  • Utilize advanced security protocols to protect claimant data and payment information.

Don’t just keep up with the times – stay ahead. Partner with Disbursecloud to secure and expedite your claims payment process and embrace the innovation that the future holds.

Are you ready to unlock the Disbursecloud Advantage?

Claimants Expectations

Claimants expect not just efficiency but security in the claims payment process. By integrating Disbursecloud’s advanced security features, you are ensuring that their data is protected while streamlining the payment process. Don't just meet expectations; exceed them.

Payment Modalities

Instant Deposit

Instant deposit directly into connected checking account within seconds.

Virtual Debit Card

Access to a virtual debit card for funds available for immediate use.

Digital Check

A digital check that your clients can print and deposit anytime!


Quick deposit into Venmo or PayPal account.


Quick funds within 24-48 hours just by providing account and routing number.


Quick deposit into Venmo or PayPal account.

Help reduce your Insurance Fraud Challenges!

Ready to transform your claims payment process? Experience first-hand how Disbursecloud's cutting-edge technology can secure and streamline your operations. Don’t miss the opportunity to get ahead - Book your personalized demo today!

Frequently Asked Questions

Does this integrate with claims systems?

Yes, we have developed a simple, yet complex API system that allows you to integrate with just 2 API calls that contain contact information and payment amounts  

How long does it take to set up

Setup is dependent on your IT department, normal setup is within 1-2 weeks.

Can we choose what payment modalities to use?

Yes, in the configuration you are able to choose the modalities you want to provide you clients.

What are Setup Fees and Costs

Currently, we don't have any setup fees.   We do have a monthly Maintenence fee of $49.95 and a minimum $200.00 per month usage fee.

What are Usage fees?

Each payment modality has a fee associated with it, ranging from $1.25 up to $5.00.   Your company can either pay the fee or pass it on or share it with the consumer. 

Is there a limit on the number of claims you can send per day?

No, you can send as many claims per day as you want.