FirmPath's technology platform provides escrow account management, automated payment processing, and real-time reporting.
End-to-end escrow and payment processing that meets the unique compliance, transparency, and operational needs of debt settlement.
Dedicated per-client escrow sub-accounts within a custodial account at our partner bank. With accurate per-client recordkeeping, deposits may be eligible for FDIC pass-through insurance, subject to FDIC rules.
EscrowProcess creditor settlement payments and fee disbursements in real time. ACH and check support with full audit trails for every transaction.
PaymentsGive your clients 24/7 visibility into their escrow balance, deposit history, and settlement progress. White-labeled client portal and API access for seamless CRM integration.
TransparencyAutomate recurring client deposits with flexible scheduling, retry logic, and NSF handling.
AutomationBuilt-in safeguards for TSR and state-level regulations. Automated fee calculations that enforce performance-based billing, complete transaction histories, and regulator-ready reporting.
ComplianceRESTful API with webhooks for real-time event notifications. Embed escrow data directly into your client management workflow.
IntegrationFirmPath handles the operational complexity of escrow management so your team can focus on negotiating better settlements for your clients.
Complete KYB verification and configure your settlement program parameters, fee structures, and compliance rules. FirmPath maps to your existing workflow.
Each enrolled client gets a dedicated escrow sub-account within a custodial account held with our partner bank, Member FDIC — with funds eligible for FDIC pass-through insurance, subject to FDIC rules. Automated ACH drafts begin collecting deposits on the schedule you set.
Submit a disbursement request through the portal or API. FirmPath validates against compliance rules and processes payment to the creditor.
Real-time dashboards show escrow balances, disbursement history, fee accruals, and program performance. Auditors get regulator-ready exports instantly.
Debt settlement is one of the most heavily regulated segments in financial services. FirmPath was designed from the ground up to meet federal and state requirements.
Escrow structures that meet Telemarketing Sales Rule advance-fee requirements. Performance-based fee calculations enforced at the system level.
Account configurations adapt to individual state regulations, including states with unique escrow or bonding rules — configurable to support your firm's state licensing obligations.
256-bit AES encryption, access-restricted account data, multi-factor authentication, and role-based access controls across the entire platform.
Real-time regulatory status
FirmPath Payments is a specialized financial services company providing escrow account management and payment processing for debt settlement. We understand the unique compliance, operational, and transparency challenges your company faces — because it's all we do.
We believe compliant infrastructure shouldn't be an obstacle to growth. Our platform automates the operational complexity of escrow management — from client enrollment and ACH draft collection to creditor disbursement and regulatory reporting.
Unlike generic payment processors, FirmPath was built from the ground up for debt settlement. Our compliance engine, disbursement workflows, and client-facing portals are purpose-designed for these programs — not adapted from retail banking.
Schedule a personalized demo and see how FirmPath can reduce your operational burden, strengthen compliance, and improve client transparency.