Pay vendors at claims speed — not AP speed.
Body shops, medical providers, contractors, and adjusting firms all touch the claims cycle. DisburseCloud manages vendor disbursements separately from claimant payments — with 1099 tracking, remittance detail, and virtual card for one-time vendors.
Body Shops & Auto Repair
Pay repair facilities directly when the appraisal is approved. ACH to preferred vendors, virtual card to out-of-network shops. Remittance detail includes claim number and repair order.
Medical Providers & Facilities
MedPay, PIP, and workers' comp medical payments to hospitals, clinics, and rehab centers. EIN validation and 1099 tracking built in. Separate ledger from claimant disbursements.
Contractors & Restoration
Property damage repair requires coordinating between multiple trades. DisburseCloud pays GCs and subs from one claim instruction, with per-payee confirmation webhooks.
Adjusters & TPA Fees
Independent adjusters, inspection firms, and TPA service fees paid on invoice approval. Full 1099-MISC/NEC tracking with EIN validation before every disbursement.
ACH, check, virtual card
Preferred vendors receive ACH. One-time vendors get a single-use virtual card — no onboarding portal required, no bank account collected.
Remittance detail per payment
Every payment carries claim number, repair order, invoice reference, and line-of-business codes. Vendor's AP team reconciles without calling your claims team.
Vendor directory & onboarding
Maintain a master vendor list with EIN, preferred modality, and payment terms. New vendors onboard via a lightweight portal or API.
1099-MISC/NEC reporting
All vendor payments tracked for IRS reporting. Year-end 1099 export with TIN verification run against IRS TIN Matching before filing.
Segregated from claimant funds
Vendor and claimant ledgers never commingle. Your treasury team sees each as a distinct outbound category with separate reconciliation.
EIN validation before payment
Every vendor EIN validated before the first disbursement. OFAC screening on vendor name and address at onboarding and annually.
Stop-pay on uncleared checks
Cancel an uncleared vendor check with one API call. Reissue to ACH or virtual card in the same workflow without re-approval.
Real-time webhooks
Signed event for every state change: issued, sent, cleared, voided. Your claims system knows payment status without polling.