DIGITAL PAYMENTS

Accept earnest money deposits your way

Choose how you receive earnest money—ACH, Instant payment (RTP/FedNow), or Wire—based on your operating policies and state requirements. All with guaranteed fund finality and fraud protection.

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Smiling businesswoman in a tan blazer and ID badge looks at her smartphone in a modern office, appearing pleased with what she sees. She stands beside a laptop and a pair of glasses, suggesting a productive work setting.

Outdated payment methods threaten today’s real estate deals

Digital illustration of a check with red pixel-like squares breaking away, symbolizing financial data loss or theft.

Risk of fraud and reconciliation headaches

Wire fraud, check fraud, and ACH returns create operational chaos. Bounced payments disrupt closings and force your team into collections mode.

Clock icon with a receipt and a red warning symbol, representing a payment delay or billing issue related to timing.

Lack of visibility


Manual tracking and limited insight into payment status create delays and uncertainty across the deal.


Mobile phone surrounded by floating interface elements like forms and credit cards, with a red warning icon indicating a digital or security error.

Confusing payment methods

Buyers feel the pressure. Agents want to move fast. But clunky payment processes slow everyone down.

Collect earnest money faster
and more securely with CertifID

01   Choose your delivery method

With three configuration options—ACH, Instant payment (RTP/FedNow), or Wire—you can match payment delivery to your state requirements and risk tolerance. Buyers still pay conveniently via ACH, but you receive funds through the rail that works for your operation. Wire and Instant configurations deliver via rails commonly recognized under good funds laws.

02   Scale your security posture

Every configuration includes the same industry-leading fraud protection—identity verification through KYC, account validation, balance checks, and real-time fraud detection. Choose from three delivery methods based on your compliance requirements, all with guaranteed fund finality.

03   Guarantee fund finality

CertifID assumes all ACH return risk once funds hit your escrow account. Our two-day hold period captures 95%+ of returns before credit, and if any return happens after that, we own it—not you. No clawbacks, no reconciliation, no operational disruptions.

04   Stay in the know with transparent timelines

See estimated delivery dates upfront—two business days for all configurations. Automatic holiday adjustments, real-time status updates, and complete payment metadata mean everyone knows exactly when funds will arrive and where they belong. No more "where's my payment?" calls.

05   Streamline your workflow

With payment management built into the CertifID portal, including verified account details, identity checks, and guided bank account connection, you’re strengthening security around earnest money deposits. Secure payments give buyers greater confidence in their purchase.

06   Strengthen relationships, win more business

CertifID gives you a powerful way to deliver a smoother, more secure experience to your agent referral partners. It’s a competitive advantage you can promote to grow relationships and stand out in your market. Make every transaction a reason to come back.

A desktop view showing a completed payment screen from CertifID for a user named Jane Smith. It displays a green "Completed" badge and detailed payment information including destination account, transaction ID, and payment purpose.
A smartphone screen showing a secure payment interface for "Pinpoint" powered by CertifID. The screen includes a "Get Started" button and the message "Make your payment. Safely and securely."
A CertifID interface screen showing Jane Smith’s $3,000 transfer marked as pending. The form lists payment details such as payer, purpose, and payment method.
A desktop view showing a completed payment screen from CertifID for a user named Jane Smith. It displays a green "Completed" badge and detailed payment information including destination account, transaction ID, and payment purpose.
A smartphone screen showing a secure payment interface for "Pinpoint" powered by CertifID. The screen includes a "Get Started" button and the message "Make your payment. Safely and securely."
A smartphone screen showing a secure payment interface for "Pinpoint" powered by CertifID. The screen includes a "Get Started" button and the message "Make your payment. Safely and securely."
Wilson Pruitt Logo

“It makes our firm look better that we appear to be with the times versus still accepting checks. The notification to the real estate agents is very helpful. One task ends up satisfying three objectives rather than having to do each task by itself.”
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Headshot of Steven Pruitt

Steven Pruitt

Partner, Wilson Pruitt LLC

Frequently asked questions

How do payments work with the different configurations?

Buyers initiate payments via ACH from their bank account—simple and convenient. You receive funds through your chosen delivery method: ACH, Instant payment (RTP/FedNow), or Wire. Every payment includes a two-day hold period that captures 95%+ of ACH returns before funds reach your escrow account. Once credited, CertifID guarantees finality—no clawbacks, no reconciliation work for your team.

What if our state requires good funds for earnest money?

Our Wire and Instant payment configurations deliver funds via rails commonly recognized under good funds requirements. Buyers still pay conveniently via ACH debit, but you receive funds through a compliant delivery method. With our two-day hold period and no-clawback guarantee, you get both compliance-friendly rails and absolute fund finality. We recommend consulting with your legal team about your specific state requirements.

How do I choose which configuration is right for my operation?

It depends on your state requirements and internal risk policies. If you're in a strict good funds state or have policies against ACH, Wire or Instant configurations give you compliant delivery rails. If you're comfortable with ACH but want protection against returns, the ACH configuration provides fund finality with familiar processing. Your CertifID representative will help you choose the right fit during onboarding—and you can always switch later if your needs change.

What if a buyer still wants to use a check or wire?

You can still offer traditional options. But most buyers prefer the convenience and peace of mind of sending ACH payments online in just a few taps. Plus, collecting payments through the CertifID platform lowers your risk of devastating fraud and reduces your liability.

With CertifID's flexible configurations, you can accommodate both buyer convenience and your compliance requirements—giving buyers a modern experience while you receive funds via your preferred delivery method.

Modern closings deserve modern payments

CertifID helps title companies and agents collect earnest money faster, safer, and without the hassle of checks or wire instructions.

Let us show you how.

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