Protect Mortgage Payoffs

PayoffProtect validates the authenticity of wiring instructions to ensure payments aren’t sent to fraudsters.

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Payoff Instructions CertifIDMortgage Payoff peace of mind

Total transactions verified by PayoffProtect to date:


transactions verified



and counting....

Strengthen your security and operations.

Input wiring details

Regain productivity

PayoffProtect saved customers an estimated 38,000 hours of manual reviews and lender call backs last year.

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Verify with confidence

With the industry's largest dataset, PayoffProtect verifies +96% of payoff instructions - nearly all instantly.


Reduce business risk

Get up to $1M in insurance for every transaction verified by PayoffProtect. No loopholes. All 50 states.

PayoffProtect eliminates the risk

What is mortgage payoff fraud?

Learn more about how it happens and how to prevent it.

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“Mortgage payoff fraud has become a significant threat targeting title agencies of all sizes. That’s why we signed up for PayoffProtect. It’s the most comprehensive product that we’ve found, and built for us in title and real estate. It’s also turned out to be hugely popular with our team as we’ve given them time back, as well as the greatest gift of all: peace of mind.”

Cheri Hippenbecker picture

Cheri Hippenbecker

Chief Legal Counsel of Knight Barry Title

PayoffProtect verifies thousands of regional, national, and specialty lenders.

Mr. Cooper
Wells Fargo
Rocket Mortgage
Lake Michigan
Bank of America
Freedom Mortgage
Flagstar Bank
US Bank
Fifth Third Bank

Why is protecting against payoff fraud so challenging?

Learn more about how CertifID helps you navigate the complex lender landscape during a mortgage payoff verification.

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PayoffProtect eliminates the risk

Frequently Asked Questions

Does PayoffProtect help our customers generate the payoff?

No, PayoffProtect validates the accuracy of wiring instructions to ensure that a payoff wire is legitimate and not fraudulent.

Do I need PayoffProtect if I only send payoffs by check?

Because check fraud has been on the rise, even this method may not keep you safe, and can get costly at an average of $25 per overnight check.

What kind of payoff should be submitted into the PayoffProtect tool?

Any payoff pertaining to a mortgage, HELOC, or commercial loan should be submitted into PayoffProtect. Any payment being sent to a personal account should use the CertifID core product to confirm those wiring instructions.

The CertifID Platform includes third-party underwritten insurance benefits, for you. These benefits are offered and distributed through CertifID Insurance Services LLC, a licensed insurance producer and an affiliate of CertifID, Inc. The insurance benefits are underwritten by Lloyd’s of London under a master policy issued to CertifID, Inc. and, in some cases, are reflected for you or your customers by individual certificates reflecting those transactions. Lloyd’s of London is rated by A.M. Best as A (Excellent) with a stable outlook and a financial size category of XV, the highest possible. In virtually all states, Lloyds of London is neither licensed nor admitted and its policies are not covered by state guaranty funds. The terms and conditions of the master policy (including its limits of liability), any summary of benefits prepared by us, and any transactional certificates are referenced herein, and are available for your review upon request. You acknowledge receipt of this information and agree to be bound by the terms, conditions, limitations, and exclusions of the master policy and any applicable individual certificates. The program you are purchasing is provided on an “as is”, “where is” basis, without any express or implied warranty of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, and title, nor any product or service warranties.