Everything carriers and MGAs need to disburse — and nothing they don’t.
Eleven capabilities, one platform. Each built on the same payment-instruction model so your ops team learns one workflow — not eleven.
Payment modality choice — controlled per payee.
Carriers offer payees a curated menu of payment options. Modalities can be enabled or disabled per payee, giving carriers fine-grained control over what each recipient sees. Defaults can also be set per business line, per claim type, or per loss state.
- Per-payee enable / disable
- Per-business-line defaults
- Programmatic overrides via API
Zero default cost to the carrier.
Transaction costs pass through to the consumer at no cost to the carrier or MGA. Should you choose to absorb cost — for a particular line of business, modality, or claim category — you can do so by percentage or flat dollar amount.
- Pass-through cost by default
- Optional absorption — % or flat $
- Configurable by line, modality, or claim type
Multiparty payments — paper or digital.
Payments addressed to two parties (e.g., "Joe Smith and Wells Fargo") are fully supported. We can issue them as traditional paper checks or as a modern digital multiparty payment that both parties countersign electronically.
- Traditional two-party paper checks
- Digital multiparty co-pay
- Audit trail with signed acknowledgements
Mortgage lender integration for property claims.
For homeowners claims that include a mortgage company, DisburseCloud is integrated with a third-party vendor that — when criteria are met — eliminates the need to cut a multiparty check including the lender. The result: dramatically less friction in property claims.
- Automated lender lookup
- Criteria-driven bypass
- Documentation kept on the claim record
Bilingual customer support — English & Spanish.
Our team handles all payee-side questions about payment modalities so carriers and MGAs don't have to. Carriers may opt to handle their own payee support, but DisburseCloud's team is the recommended path — payment modality support is our expertise.
- Live agents in EN/ES
- Branded as your team if preferred
- SLAs aligned to your claim volumes
Postal check operations done right.
Automated stop payments and positive pay. Built-in ACH protections. Reissues, returns, and escheatment all flow through the same instruction model — no parallel ops queue.
- Positive pay file generation
- Automated stop / reissue
- ACH return handling
Vendor default payment methods. Set it and forget it.
Vendors set their preferred payment method once. Future payments default automatically. No more chasing vendors for ACH details on every disbursement.
- Vendor-managed self-service
- Method on file, encrypted at rest
- Override per payment if needed
Per-business-line general ledger.
Each business line gets its own ledger. Funds are siloed, never commingled, and reconciliation stays clean. Export to your accounting system on the cadence you choose.
- Segregated balances per line
- Daily, weekly, or real-time export
- Tie-out reports built in
A dedicated CSM. Not a ticket queue.
Every company gets a direct point of contact — a real human who knows your stack, your business lines, and your audit calendar. Slack channel optional.
- Named CSM on day one
- Quarterly business reviews
- Direct line for ops escalations
Webhook status updates. The instant they happen.
Webhooks fire the moment events occur, surfacing exact payment status and the modality the payee selected — no polling, no guessing, no nightly batch.
- Sub-second median latency
- Signed payloads, replay protection
- Granular event taxonomy
"claim_id": "CLM-2849",
"amount": 4820.00,
"modality": "virtual_card",
"cleared_at": "2025-05-26T14:22:11Z"
SOC 2 compliant. Enterprise controls.
Annual Type II audits, SSO, role-based access, full audit logging, and a SIG / CAIQ ready for your security review on day one.
- SOC 2 Type II
- SSO + RBAC
- SIG / CAIQ on request