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.
DIGITAL PAYMENTS
Securely collect earnest money
Collect earnest money faster and more securely online, without checks or wire instructions.
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Outdated payment methods threaten today’s real estate deals
Risk of fraud
Wire instructions and paper checks are prime targets for fraud, putting your buyers’ funds and your reputation at risk.
Lack of visibility

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

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
Choose Use Case
01 Â Scale your security posture
02 Â Simplify deposits
Earnest money deposits shouldn’t be chaotic for your team or your buyers. With a simple branded link, no apps or logins required, the process is intuitive, mobile-friendly, and easy to complete in a few steps. No checks, chasing, or confusion.
03 Â Stay in the know
No more guessing if a payment was sent or received. Real-time status, transfer history, payment & buyer details, and customizable notifications give internal teams and buyers instant visibility into every deposit. Know the moment money moves.
04 Â 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.
05 Â 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.
“We give buyers three options: old school check, wire, or the payments portal. And honestly, most people just want to stay in their pajamas, and link their bank account. More than half are choosing the payments portal.”
‍
J. Hope Ottoviani
Director of Operations at ATG Title, Inc.
Frequently asked questions
Is this an ACH payment?
Yes. Payments are processed via ACH through CertifID’s trusted platform, with verified bank accounts and identity verification. You don’t have to wait days for payment or rely on outdated check uploads. CertifID offers same-day ACH in a single interface.
Do buyers need to create an account or download an app?
Nope. Buyers receive a branded payment link they can use from any device, no logins, no downloads, and no extra steps.
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.
How does this help our team?
You’ll cut down on support questions, reduce manual tracking, and gain instant visibility into each earnest money payment’s status, all from your CertifID dashboard. And like we’ve said before, there’s a huge benefit to not being liable for fraud.
CASH TO CLOSE PAYMENTS
Secure your largest closing payment
Give buyers a guided digital path to send their cash to close, with no wire instructions and no fraud exposure. After submission, funds typically reach escrow in under two hours.
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The wire is the weakest link in your closing
Wire fraud hits hardest at closing
Cash to close is the highest-risk moment in any transaction. Buyers are one spoofed email away from sending six figures to the wrong place. CertifID’s Fraud Recovery Services data shows wire fraud on cash to close increased more than 50% in 2025.
No visibility until something goes wrong
Title agents have no centralized place to track whether a buyer sent their closing funds. The result: "did the wire go through?" calls, manual bank log cross-referencing, and last-minute scrambles before closing.

Buyers don't know how to wire, and agents don't prepare them
Most buyers have never sent a wire before. They assume it works like Venmo. Title teams regularly field calls from confused buyers who don't understand cutoff times, bank visit requirements, or how to verify wire instructions are legitimate.
Collect closing funds faster and more securely with CertifID
Choose Use Case
01
Guaranteed delivery. No asterisk.
Some competitors release unsettled funds and treat them as final. CertifID assumes all post-credit return risk instead. Once a buyer submits, funds arrive in escrow within two hours. Every payment is final and irrevocable, never subject to clawback, and it lands in time for closing.
02
Same-day payments for same-day closings
Title teams can now accept a cash to close payment on the day of closing. Add the closing time to the request, and CertifID guarantees delivery before it. If a payment can't make it in time, CertifID routes the buyer to wire instructions before they pay, so a payment is never late.
03
A guided flow that removes every point of failure.
Buyers connect their bank via Plaid, confirm the amount, see their exact delivery date, and submit — from their phone, in minutes. No wire instructions to mishandle. No routing numbers in their hands. No room for intercept or spoof. "Fully insured" messaging is prominently displayed throughout the flow — the top conversion driver in buyer research.
04
Full lifecycle visibility from request to escrow.
Title agents send a CTC payment request directly from the CertifID portal — with buyer name, email, amount, and closing date pre-populated from existing file data. The portal tracks every event: request sent, buyer opened, buyer started payment, payment completed, funds delivered. No more "did they send it?" calls.
05
One platform. Every buyer payment.
EMD and Cash to Close payments live in the same portal, use the same workflow patterns, and deliver the same fund finality guarantee. Title agents don't learn a new tool. Buyers get one consistent experience from contract to closing. And for title companies that don't hold earnest money, Cash to Close is your entry point — relevant to 100% of your transactions.
06
Multi-brand Support
Each brand under a single company can run its own fully branded payment experience while maintaining centralized visibility and control. This allows you to scale Payments across your entire business, activate more brands, and deliver a consistent, trusted experience to every buyer without adding operational complexity.
Trusted by the real estate industry
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1.4M+
transactions protected in 2025
283M
in fraud prevented
Frequently asked questions
How is CertifID Cash to Close different from a wire transfer?
With a wire, the buyer handles routing numbers and account details — often sent over email, which is the #1 attack vector for wire fraud. CertifID removes that entirely. Buyers connect their bank via Plaid and submit payment through a guided, verified flow. They never see wire instructions. And unlike a wire, every CTC payment is backed by CertifID's Fund Finality commitment — if something goes wrong after escrow credit, we own the recovery, not you.
How fast do funds reach escrow?
Once a buyer submits, funds typically arrive in escrow within two hours, often sooner. A payment submitted after the last banking window of the day arrives the next business morning. Either way, funds are in escrow in time for closing.
What if a buyer can't complete a digital payment?
No buyer is ever left at a dead end. If a buyer hits a guardrail — their balance is insufficient, they're trying to pay on closing day, their bank doesn't support Plaid, or their account type isn't eligible — they're automatically redirected to your wire instructions with clear guidance. We even track "buyer downloaded wire instructions" as an event in your portal so you always know what happened.
What does "Fund Finality" mean for cash to close?
CertifID assumes all return risk once funds are credited to your escrow account. If a payment is returned after escrow credit, for any reason, CertifID manages recovery directly from the buyer. Your payment status stays "Completed," your escrow account is never debited, and your team is never involved. Delivered funds are final.
Can a buyer pay on the day of closing?
Yes. Title teams can accept payment the same day as closing. Set the closing time on the request, and CertifID delivers funds before it, or routes the buyer to wire instructions before they pay. CertifID never delivers a same-day payment late.
What about holidays and weekends?
Same-day delivery isn't available on weekends or bank holidays. CertifID processes a payment submitted on a non-banking day the next business morning.
Is there a transaction limit?
The launch limit is $500K per transaction, which covers approximately 70% of all cash to close requests based on 2024–2025 data. For amounts above $500K, the system seamlessly redirects the title agent to wire instructions — pre-populated and frictionless, not a dead end. An increase to $750K (covering ~86% of requests) is on the roadmap.
What does the flat $48 fee cover?
The $48 flat fee covers the full payment experience. That includes identity verification, bank account validation via Plaid, balance check, real-time fraud detection, Trust & Safety review, guaranteed fund delivery, and full fraud insurance, regardless of payment amount. Whether your buyer is sending $50K or $500K, the fee is $48. It's included in the Plaid balance check calculation and displayed to the buyer before submission with no ambiguity.
The largest payment in the transaction deserves the strongest protection
CertifID helps title companies guarantee closing funds are delivered, with no wire instructions in buyers' hands, no clawback risk on your escrow, and one flat $48 fee per transaction.
Let us show you how.
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