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Outdated payment methods threaten today’s real estate deals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. No wire instructions, no fraud exposure. Guaranteed delivery to escrow at 8:00 AM ET the next business day.
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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.
Unlike competitors who release unsettled ACH funds and call them "good," CertifID assumes all post-credit return risk. Buyers submit by 3:00 PM ET and funds are delivered to escrow at 8:00 AM ET the next business day — final, irrevocable, and never subject to clawback. If an ACH return occurs after escrow credit, CertifID owns the recovery. Your payment stays "Completed."
02
A later cutoff than the competition.
CertifID's 3:00 PM ET submission cutoff is later than our primary competitor's ~1:55 PM ET cutoff — and our return timing analysis confirms we can offer that later window without accepting any additional risk. More closings qualify for digital payment, and fewer buyers fall back to wire because of timing alone.
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
Get started
1.4M+
transactions protected in 2025
283M
in fraud prevented
Frequently asked questions
How is CertifID Cash to Close different from a wire transfer?
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.
How does delivery timing work?
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.
What if a buyer can't complete a digital payment?
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 does "Fund Finality" mean for cash to close?
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.
Is there a transaction limit?
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 does the flat $48 fee cover?
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.
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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