New · Jun 2025 ZOCCAM, U.S. Bank & Stewart Title launch first Request for Payment use case in real estate closings. Read announcement →
Fintech Infrastructure · Real Estate

Secure technology.
Simple solutions.

ZOCCAM connects buyers, agents, and title companies through one secure platform to send escrow deposits. Funds move directly from consumer to escrow agent. No bank info exchanged. No intermediaries. Built to prevent fraud.

Schedule a Demo → Send an Escrow Deposit
No download required Works on any device send.zoccam.com
01 /How money moves on ZOCCAM
Sender
Buyer
or Agent
Initiates deposit from phone, tablet, or computer.
Direct
ZOCCAM
Secure
Gateway
Authorizes & routes. Never holds funds.
No middleman
Receiver
Escrow
Agent
Funds land directly in the title company's escrow account.
Wire transfer Courier runs FedEx envelopes Bank info exchanged ✓ Direct · Secure · Traceable
ZOCCAM on laptop, tablet, and phone
ZOCCAM on any device · send.zoccam.com
Trusted by 450+ title companies
Stewart Title First American Republic Title Independence Title Old Republic Title WFG Title + 445 more →
The Platform

One platform.
Every escrow deposit.

ZOCCAM replaces the patchwork of wire transfers, courier runs, FedEx packages, and manual check handling with a single, secure gateway for escrow deposits — delivered directly from consumer to escrow agent.

01 · ESCROW DEPOSITS
Escrow Deposits

Earnest money and other escrow deposits sent from any phone, tablet, or computer — no app download required. Paper check, electronic check, ACH, or real-time payments. The consumer never leaves ZOCCAM to authorize, and no bank information is exchanged. Funds are delivered directly to the title company with instant confirmation for all parties.

PAPER CHK E-CHECK ACH · RTP
02 · REAL-TIME PAYMENTS
Request for Pay (RfP)
In partnership with U.S. Bank & Stewart Title

The only real-time payment solution in real estate where the consumer authorizes payment entirely inside ZOCCAM. Irrevocable good funds, 24/7, with real-time confirmation — no wire instructions to send or intercept.

APPROVE RfP IRREVOCABLE
03 · ID VERIFY
Identity Verification
Powered by Mitek ID Verify

Every payor is verified before funds move. Mitek's industry-leading ID verification protects against impersonation fraud and keeps every closing safe.

VERIFIED
04 · APPROVAL PORTAL
Approval Portal

Title companies review, approve, or reject every transaction in real time. Full oversight with an intuitive queue — no manual reconciliation, no surprises.

APPROVE REVIEW APPROVE
05 · COMING SOON
Disbursements Portal
Launching 2026

Send funds out of escrow the same way you bring them in — ACH, direct to debit, real-time payments, and wires. One portal, 150+ bank connections, every disbursement channel.

ESCROW DISBURSE ACH DEBIT RTP WIRE CHECK
06 · HOME WARRANTY
Home Warranty · Reserve Now, Pay at Closing

Reserve a home warranty from providers like American Home Shield or Achosa directly inside the ZOCCAM app. Nothing is charged until the property closes — if the deal falls through, there's no payment due. No risk to reserve.

By the numbers
70%
U.S. Real Estate
Closings (2021)
150+
Bank
Integrations
450+
Title & Escrow
Partners
$0
Cost to Agents
& Buyers
Architecture & Security

Your money goes
where it should. Nowhere else.

ZOCCAM was built from the ground up to eliminate the fraud vectors and counterparty risks that plague real estate payments.

PILLAR 01

Direct Transfer. No Intermediaries.

Funds move directly from the consumer's bank account to the escrow agent's account. We never hold, route, or touch the money at any point. Your money, your escrow account, no middleman.

PILLAR 02

No Bank Information Exchanged

Buyer and title company never exchange bank account numbers or routing info. This eliminates the primary attack vector for business email compromise — the most costly fraud type in real estate.

PILLAR 03

Approve Without Leaving the Platform

Only real-time payment solution in real estate where the consumer initiates and authorizes payment entirely within the platform using Request for Pay. No redirect. No window for interception.

PILLAR 04

Encryption, Fraud Detection & Compliance

Bank-grade encryption protects every transaction. Real-time fraud monitoring. Fully compliant with Nacha standards and Federal Reserve requirements. Aligns with ALTA Best Practices Pillar 3.

Built for Everyone

One platform.
Three audiences.

Whether you're running a title operation, closing deals as a real estate agent, or sending your first earnest money deposit — ZOCCAM meets you where you are.

For Title & Escrow

The infrastructure your title operation needs

Eliminate manual deposits, reduce liability, and protect consumer NPI. Integrates with SoftPro, RamQuest, and your existing CRM.

  • Direct-to-escrow transfers with no intermediary risk
  • White-label branding on every transaction
  • Open orders faster — 24/7 availability
  • Home warranty revenue built in
Schedule a Demo →
For Realtors

Stop driving checks. Start closing faster.

Send earnest money from anywhere in seconds. Free to use, works with 450+ title companies nationwide. Your time back, your clients protected.

  • Free for agents and buyers — always
  • Send deposits from your phone, anywhere
  • No bank info exchanged — safer for clients
  • Instant confirmation for every transaction
Send an Escrow Deposit →
For Home Buyers

Send your earnest money with peace of mind

Approve payment right inside the app — no bank info shared, no confusing wire instructions, no redirect to another service. Just a secure, simple experience.

  • No bank information ever shared
  • Instant confirmation of delivery
  • Optional home warranty ordering
  • Works on any device — no app needed
Get Started →
Ashley Cook, Founder & CEO of ZOCCAM
2015
Founded in Dallas
Ashley Cook · Founder & CEO
Founder Story

Built by someone who knew the problem firsthand.

"Homeownership and real estate should be effortless, not overwhelming."

Ashley Cook was a real estate attorney in Dallas when she looked at the tangled mess of closing transactions and saw what everyone else accepted as normal: paperwork bottlenecks, security gaps, and technology that wasn't being used to its potential.

She founded ZOCCAM in 2015 to change that. What started as a smarter way to handle earnest money has grown into the industry's most comprehensive escrow payment platform — securing 10 U.S. patents and partnering with 450+ title companies along the way.

Ashley Cook
Founder & CEO, ZOCCAM
What Our Users Say

Trusted by the people
who close deals.

Real feedback from agents, managers, and title partners using ZOCCAM in production every day.

"

Time is my most valuable commodity. With ZOCCAM, I can send earnest money checks at the click of a button instead of sitting in traffic. I can't think of a more useful, time-saving, money-saving and risk-reducing tool that I've used.

KN
Keith Newman
Broker of Record, Compass
"

Our realtors aren't in control of where they're closing or when the contract is executed. ZOCCAM is a tool for our agents that protects buyers from spoofed emails — it's a no-brainer for our organization.

GG
Ginger Gill
Broker of Record, Ebby Halliday
Ready when you are

Ready to modernize
your closings?

Join 450+ title companies that trust ZOCCAM to move money securely and directly. Whether you're ready to eliminate intermediary risk or just want to stop driving checks, we're here to help.

Schedule a Demo → Send an Escrow Deposit
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