Move money securely—inbound and outbound.

Closinglock SecurePay gives homebuyers a simple, good-funds-compliant way to make digital payments in real estate, while title and settlement teams have one secure platform to collect funds and automate verified disbursements.

KEY FEATURES

Explore Closinglock’s built-in tools for moving money and preventing fraud.

Bank Account Verification

Verify bank details before funds
move.

Secure Wire Instructions

Send instructions and trace every step in real time.

Buyer EMD Returns

Return buyer earnest money deposits directly to their bank accounts.

Digital, Insured Payments

Give buyers a secure, insured way to pay and keep closings on track.

Verify Payoff Statements

Instantly verify whether a payoff account is legitimate.

Automated Payoff Retrieval

Automate payoff retrieval for safer, faster closings.

Key Benefits

One platform for digital payments in real estate.

Payments are one of the most time-sensitive parts of a closing. Closinglock helps your team move faster with real-time visibility, fewer follow-ups, and automated steps that surface issues before they derail funding. Buyers get the experience they expect, and your team gets a workflow that finally works with them.

Delight Your Buyers

With 1 in 2 homebuyers now preferring digital payments in real estate transactions, SecurePay meets that expectation with a 4.8/5 experience. Buyers can send earnest money and closing funds in minutes—no bank runs, no confusion.

Stop Fraud

Wire instructions and payments stay protected inside Closinglock—never sent by email. Every SecurePay transaction is encrypted, verified, and automatically insured up to $5M.

Save Time

Real-time payment alerts, automatic file matching, and fewer “Did you get my wire?” calls help your team move closings forward with confidence.

Make Payoffs & Disbursements A Breeze

Close faster with automated payoff retrieval, instant verification, and structured disbursement workflows. Closinglock reduces the manual work that can take hours per file and exposes issues early—before they delay funding.

It's an automatic transfer. It's good funds. And it's super fast.

Frequently Asked Questions

Why should home buyers use Closinglock SecurePay instead of their bank?

Homebuyers use SecurePay because it’s a safer and simpler way to send digital payments in real estate, for both earnest money deposits and cash to close. SecurePay uses Plaid to connect each buyer’s verified bank account directly to your verified wire instructions, ensuring every payment is encrypted, authenticated, and good-funds compliant.

Learn more about SecurePay for Buyer Payments and how it helps your team and clients send funds safely every time.

What benefits does SecurePay offer to title companies?

SecurePay gives your title team peace of mind and efficiency. Each transaction is insured up to $5 million, tracked in real time, and automatically matched to your Closinglock file, reducing manual ledger checks. You and your buyers receive instant payment notifications by text and email—no more “Did you get my wire?” calls.

Explore how Title Companies Use Closinglock to protect every transaction and keep closings moving.

Does SecurePay require new training or changes to our payment process?

No. SecurePay fits directly into your existing Closinglock workflow. If you already use Closinglock to send wire instructions, buyers simply select SecurePay at checkout and follow a guided, step-by-step experience inside the secure portal.

See the SecurePay Setup Guide for quick-start materials and downloadable flyers to share with clients.

How does Closinglock verify payoff and escrow accounts?

Closinglock verifies payoff and escrow accounts using its proprietary financial database and trusted data sources like Plaid. Our system can confirm account authenticity from Mr. Cooper, Credit Unions, and hundreds of other institutions nationwide, instantly detecting mismatched or fraudulent details.

Learn more about Payoff & Disbursement Automation and how it protects your escrow funds.

Is there a limit to the volume of how many verifications or payments we can process?

No limits on the volume of transactions. All Closinglock customers can run unlimited payoff verifications and process unlimited SecurePay transactions, within the SecurePay payment limits, through the platform at no additional cost.

How does Closinglock help reduce errors during disbursements?

Closinglock reduces disbursement errors by automating data entry, validating account information, and guiding your team through structured workflows. Verified instructions, automated checks, and real-time alerts help prevent mistyped routing numbers, outdated payoff details, or missed steps that delay funding.

Are outgoing payments through Closinglock insured?

Yes. Every verified outgoing payment sent through Closinglock is automatically insured, giving your team added protection and peace of mind. This applies to verified disbursements such as seller proceeds, agent commissions, or mortgage payoffs.

Can Closinglock help us move disbursements faster?

Yes. Closinglock automates payoff retrieval, verification, and disbursement workflows so your team can move funds in minutes instead of hours. This reduces follow-ups, re-keying, and portal logins—and helps prevent delays that stall closing day.

What happens if a payoff amount or account detail looks incorrect?

Closinglock flags discrepancies automatically and surfaces them before your team sends funds. Real-time validation and structured workflows help your staff resolve issues early so money doesn’t move until everything is correct.

Does Closinglock integrate with our title production software?

Yes. Closinglock integrates with leading title production systems such as SoftPro, RamQuest, and ResWare. These integrations help reduce duplicate entry and keep payment-related information consistent across your workflow.

How does Closinglock keep all payment data secure?

Closinglock protects every payment with encryption, role-based access, verified instructions, and private portals that remove email from the process. SecurePay and disbursement workflows use verification and validation tools to keep funds safe at every step.

Will using SecurePay or Closinglock disbursements delay our closing?

No. Closinglock is designed to prevent delays by digitizing payments, automating verification, and reducing manual follow-ups. Most buyers pay in minutes, and disbursements move faster because your team spends less time gathering information and double-checking details.

Resources

Blog

Secure home closing process: 7 ways your money stays protected

Blog

Closinglock: Protecting Real Estate Agents and Their Clients from Fraud

Blog

How Closinglock Works for Title Companies

Blog

The future of money movement in real estate

Blog

What’s new in ALTA Best Practices 2025—and how to stay compliant

Blog

The future of closing is secure—and connected