For Title & Escrow Companies

Your brand. Your escrow.
Your process, end to end.

ZOCCAM is the white-labeled escrow payment infrastructure trusted by 450+ title companies. Your agents can send the deposit link, your team can initiate from the web app, or optionally from your CRM. Funds move directly to your escrow account — no intermediary ever touches the money.

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450+
Title Partners
150+
Bank Integrations
$1.4B+
Processed Annually
30–40%
E-Check Adoption
The Challenge

Manual deposits are slowing your growth — and third-party intermediaries are quietly adding risk to your balance sheet.

Every courier run is billable time lost. Every wire instruction is a fraud vector. And every payment platform that routes funds through its own accounts before forwarding to you is creating counterparty risk — risk so significant that these vendors carry insurance to cover themselves against the losses they might cause you.

A question worth asking
Insurance is a symptom, not a solution.

If your escrow payment vendor carries insurance to protect against losses from their own handling of your deposits, that tells you something important about how they're processing those deposits. The question isn't whether they're insured. The question is why they need to be.

And then there's this
Your escrow is regulated.
Their technology company isn't.

Title and escrow operations are supervised by state Departments of Insurance, with fiduciary standards, trust-accounting rules, and statutory oversight of how client funds are handled. The moment an escrow deposit routes through a technology company's own account, those funds are sitting with an entity that is not regulated by any state Department of Insurance — no trust accounting oversight, no state examiner, no statutory framework governing how that money is held.

Their insurance policy is self-procured. Your regulator had no say in its coverage, its carrier, or its exclusions. With ZOCCAM, the funds never leave the regulated ecosystem — consumer bank to your escrow, both supervised, with nothing unregulated in between.

ZOCCAM was built from the ground up to eliminate all of it.

Three things that set ZOCCAM apart

Built for your operation.
Not ours.

The ZOCCAM platform is designed around three architectural choices that protect your brand, your escrow, and your workflow.

01 WHITE-LABEL BRANDING
Your brand stays front and center.

ZOCCAM is white-labeled with your logo prominently displayed across the platform, email notifications, and transaction flows. Each branch can have its own direct link — so consumers see your brand from the moment they start the deposit to the moment they receive confirmation.

Your logo, everywhere
ZOCCAM white-labeled with title company branding across laptop, tablet, and phone
02 NO INTERMEDIARY RISK
Funds go direct to your escrow.

Money moves straight from the consumer's bank to your escrow account. ZOCCAM never holds, routes, or touches the funds — eliminating the counterparty risk that forces other payment vendors to act as insurance carriers to their title company clients.

No one in the middle
03 FLEXIBLE DEPOSIT INITIATION
Agent or title team can initiate. Consumer reviews.

Deposits can be initiated when the real estate agent sends the consumer a link. Your title team can also send the link — or initiate from the ZOCCAM web app directly. Optional CRM integration is available for teams that want it.

Agent or title, your choice
Electronic Check
30–40%
of deposits submitted via electronic check for title companies that offer it.
Why it matters

No checkbook?
No problem.

A growing number of consumers — especially first-time homebuyers — don't own a checkbook. Electronic Check solves this entirely. The buyer enters their bank information, signs directly on their phone screen, and submits. The whole experience happens inside the ZOCCAM platform your brand is on.

For title companies, this means fewer delays, fewer phone calls about "how do I get a check?", and a smoother closing experience for every buyer you serve.

  • No physical check required — consumer signs on their phone.
  • Works for any buyer — no trip to the bank, no stopping at a store.
  • Most popular payment method where it's offered (30–40% adoption).
  • Same security model as paper check — no bank info exchanged.
How it works

Four steps.
No friction.

ZOCCAM integrates with your existing workflow — not the other way around.

1
Initiate

Agent or title team sends the link

Most often, the real estate agent sends the consumer a link. Your title team can send it, or initiate from the ZOCCAM web app. Optional CRM integration for teams that want it.

2
Request

Buyer gets notified

ZOCCAM sends an email and text to the buyer with a link — branded with your logo. They review the transaction details and pick a payment method.

3
Submit

Payment happens inside ZOCCAM

Paper check image, electronic check on screen, ACH, or real-time payment. No bank information is shared. No redirect to another platform.

4
Deliver

Funds hit your escrow — directly

You receive the watermarked check image, deposit confirmation, and buyer verification data. All parties get notified.

Optional — for more control

Review every deposit
before the check is deposited.

For title companies that want an extra layer of oversight, the ZOCCAM Approval Portal gives your team direct review and sign-off on every incoming deposit. Check the details, inspect the check image, and approve or reject — all from a single queue.

The Approval Portal is all-or-nothing: approve every deposit, or let them all flow through automatically. Turn it on and every incoming deposit lands in your review queue before funds move.

  • Approve or reject each deposit See the branch, property address, buyer, and amount before the deposit goes through.
  • Review check images before deposit Pull up an image of any paper or electronic check right from the queue.
  • Get notified the moment deposits arrive Real-time email alerts to your team — no deposit sits in the queue unseen.
New deposit awaiting review Main Street Title · Dallas Branch
send.zoccam.com / portal
ZOCCAM Portal showing pending transactions, user sterry, Main Street Title — columns for transaction ID, date, type, status, buyer and seller names, property address, and check amount.
Scale & Trust
$1.4B+
in escrow deposits processed every year
$10B+
Processed Since 2015
450+
Title Companies
150+
Banks Integrated

For over a decade, ZOCCAM has moved money securely between consumers, agents, and title companies — with no intermediary, no counterparty risk, and no insurance required.

Built for title operations

Every benefit you need.
Zero friction.

01 / Compliance

Reduced liability exposure

Checks aren't handled by multiple employees. Consumer NPI stays protected. Aligns with ALTA Best Practices Pillar 3.

02 / Speed

Faster order openings

24/7 availability means orders can open the moment a contract is executed — not when someone drives a check over.

03 / Flexibility

Agent or title can initiate

Real estate agents or your title team can send the consumer the deposit link. The consumer reviews and submits — no back-and-forth required.

04 / Home Warranty

Out of the warranty-ordering business

Buyers select a home warranty inside ZOCCAM at closing. You no longer have to order warranties on their behalf — one less task for your team.

05 / Growth

Agent relationship tool

Free for real estate agents — making ZOCCAM a reason for them to send orders to your firm over competitors who don't offer it.

06 / Audit

Full audit trail

Contract, check image, deposit confirmation, and buyer verification data delivered automatically with every transaction.

Aligns with ALTA Best Practices Pillar 3

ZOCCAM's architecture and handling of consumer NPI are designed to support your compliance with ALTA's escrow trust accounting and information security standards.

NACHA Compliant Fed Reserve Bank-grade Encryption
450+ Title Partners

You're in
good company.

From the largest national underwriters to independent local agencies — title companies of every size trust ZOCCAM.

First American Title
Stewart Title
Republic Title
Old Republic Title
Independence Title
WFG Title
McKnight Title
+ 440 more
Talk to our team about joining them →
“
ZOCCAM has transformed how we handle escrow deposits. Our agents love that it's free, our compliance team loves the direct-to-escrow architecture, and our buyers appreciate how simple it is.
Title Company Executive CEO / Owner · ZOCCAM Partner Firm
Placeholder · awaiting executive quote
Ready when you are

Ready to talk about
your title operation?

Our sales team works directly with title company executives to understand your workflow, review integration options, and scope implementation. No pressure, no sales pitch — just a conversation about whether ZOCCAM is a fit.

Schedule a Demo → Schedule a Demo
Or reach us directly at info@zoccam.com  ·  (888) 605-2444
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