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Payments, signatures and the deal - one file, one screen

Sign here.
Get paid here.
In the same breath.

Stop chasing earnest money across your Legacy eSignature Tool, your TC's spreadsheet, Zelle, and a Stripe link buried in an email. Clai puts the money on the agreement itself, signed, escrowed, split and cleared from one screen, in the order your firm already runs.

ACH · $0.80 flatCards · 2.7%Same-day payoutsTrust + escrow native
SOC 2 Type II·PCI DSS · Level 1·FDIC-insured partner banks
Receiving · Bank of Bowery
Vista Realty LLC
●●●● 4421 · USD
$25,000.00
LISTING_AGREEMENT.PDF#DL-04219
Exclusive listing & earnest schedule
142 GROVE ST · BROOKLYN · 6mo
Earnest
$25,000
Commission
5.5%
SARA HOLM · BUYER
PAID
TODAY · CLEARED
Earnest · Sara H. 142 Grove+$25,000
Co-broker split Harborline RE-$8,250
Commission · firm Vista Realty+$16,500
Earnest depositsACH payoutsSign-and-fundRecurring retainersTrust + escrowInstant card captureCommission splitsReceipts on the docAuto-receiptsMulti-entity payoutsEarnest depositsACH payoutsSign-and-fundRecurring retainersTrust + escrowInstant card captureCommission splitsReceipts on the docAuto-receiptsMulti-entity payouts
Step 01 · How money moves

From signature
to cleared in one screen.

The same agreement collects the deposit, holds it in trust, splits it across the parties, and pays everyone out, without a single hand-off to a payments tool, a CSV, or a bank portal.

Signed · funded
The deposit is on the agreement.
When the buyer signs, the earnest line item authorizes itself - ACH, card, or wire. No second link, no follow-up email.
LISTING.PDF · §4 EARNEST
✓ $25,000 · CAPTURED
Held · in trust
Escrow that your TC trusts.
Funds land in a named, audit-trailed trust account, not your operating balance. Released only when the contract conditions clear.
TRUST · IOLTA#TR-1142
$251,420 .00
Across 14 open deals · zero commingled cents
Split · paid out
Splits wired the way
your office already pays.
Co-broker, agent, firm, referral, the splits are encoded on the deal. When closing fires, the wires fire.
LListing agentK. Yoon
42%$6,930
BBuyer agentD. Karim · Harborline
42%$6,930
FFirm deskVista Realty
14%$2,310
RReferralAnchor Group
2%$330
The rails

Every way money actually moves
on a real estate desk.

Buyer wants to tap a card. Seller wants ACH. The referring firm wants a wire by Friday. Clai handles all of them on the same line item, and stamps the receipt back onto the agreement.

ACH
Flat $0.80. Next-day default, same-day on request.
Cards
Visa, MC, Amex. 2.7% all-in. Tap-to-pay at the closing table.
Instant
RTP rails. < 30s deposit → trust. Receipt on the file.
Escrow
FBO + IOLTA structures. FDIC-insured to $5M per deal.
Recurring
Monthly retainers, milestone draws, late-fee logic.
Receipts
Stamped to the PDF. Emailed. Mirrored to your books.

The agreement is the starting point.

Clai Payments is for real estate agents, transaction coordinators, and brokerage teams coordinating deposits, fees, and commissions alongside an agreement. It connects the agreement's payment line items with signing, payment status, splits, and receipts.

Inputs
The agreement, payment amounts and timing, payer and recipient details, and any agreed split instructions. Confirm the payment method and required account setup with the team before using a real transaction.
Outputs
Payment status and receipts associated with the deal, with split and payout information for the payment workflow. The amounts, ledger entries, and movement shown on this page are illustrative, not live transfers or customer results.
Human review
Verify the agreement terms, amounts, recipients, split instructions, and payment authorization before initiating a transaction. Reconcile the actual payment status before treating funds as cleared. These are recommended checks, not a claim that Clai enforces an approval gate.
Does signing mean the funds have settled?

No. Signing, payment authorization, and final settlement are different events. Timing depends on the payment method, provider, and account setup. The animations are not a settlement-time guarantee. Confirm timing and funds availability with the team for your workflow.

What payment requirements and access should I confirm?

Ask the team about supported rails and regions, fees, transaction limits, payer and recipient eligibility, verification, funding-account requirements, and escrow or trust-account arrangements. Confirm plan access and current availability as well. This page does not establish compliance, insurance coverage, or security certifications for your transaction.

Step by step

From quoted to cleared
without leaving the deal.

Four moves. No new portal for the buyer, no new ledger for the TC, and no new tab open in your browser at 11pm.

01

Add the line items to the contract.

Earnest, retainer, commission, late-fee terms, drop them on the doc the same way you drop a signature block. The numbers reference the clauses they came from.

PAYMENT BLOCK · LISTING_AGREEMENT.PDF
Earnest deposit§4.1 · ON SIGN$25,000.00
Application fee§4.2 · ON SIGN$350.00
Commission · split§9 · ON CLOSE$16,500.00
Total scheduled$41,850.00
02

Send once. Sign and pay together.

The signer sees the document and the deposit on the same page. Tap to authorize, tap to sign - Clai routes the money the same instant ink hits paper.

SIGN
SIGNED
PAY
$25,000 CAPTURED
03

Splits are encoded, not improvised.

The split table lives on the deal. When closing fires, payouts fire, your TC stops cutting commission checks by hand.

ESCROW $16,500
K. Yoon$6,930
Harborline$6,930
Vista firm$2,640
04

Cleared. Reconciled. Done.

Receipts stamped to the PDF. Lines mirrored into QuickBooks or your firm ledger. The deal closes the books at the same time it closes itself.

$41,850.00CLEARED · RECONCILED
Capabilities

Six payment muscles
the average e-sign tool doesn't have.

Clai isn't an invoicing add-on bolted to a sign tool. It's the money layer of the deal, built where the contract lives.

ACH RAILS
Pennies per transfer.
Flat $0.80 ACH, same-day capable, with auto-retry on NSFs and a real human at the bank when something gets stuck.
BUYER · Sara H.VISTA TRUST
ACH · NACHA$25,000.00
SPLITS
Splits that add up to 100%.
Layered splits, listing, buyer, firm, referral, encoded on the deal and reconciled on payout. No math at 10pm.
Listing 50%Buyer agent 28%Firm 14%Referral 8%
CARDS · TAP
Tap-to-pay at the closing table.
Apple Pay, Google Pay, contactless. Buyer holds the phone up; the deposit posts before the pen is down.
CLAI●●●● 4421
RECURRING
Retainers on autopilot.
Monthly retainers, milestone draws, late-fee logic, set the cadence on the contract, never chase an invoice again.
JUN 01$1,200
JUL 01$1,200
AUG 01$1,200
SEP 01$1,200
REFUNDS
Undo without an email chain.
Deal falls through? One click voids the capture, returns the deposit, and stamps the PDF with the reversal, no support ticket.
Earnest captured+$25,000
Buyer backed out-$25,000
Refunded · 11s+$25,000
TRUST · ESCROW
Money sits where the rules say.
Named trust + IOLTA structures, FDIC-insured to $5M per deal, with the audit trail your state board actually asks for.
$251,420IOLTA · FDIC · 14 DEALS
The numbers

Money on the agreement
moves faster.

Pilot numbers across 38 brokerages and a handful of professional-services firms running Clai-on-payments since Q4 last year.

Time to first dollar
0s
Median seconds from "sign sent" to "earnest captured", across ACH, card, RTP.
$ cleared YTD
$0M
Across earnest, commission and recurring rails.
Fewer chase emails
0%
"Where's the deposit?" threads, gone.
Reconciliation time
0m
Median monthly close, what used to be a Tuesday.
Live ledger

Every dollar on every deal,
in one place.

One screen for your TC, your accountant, and the broker-of-record. Filter by deal, agent, state, method, or status. Export the period in a single click.

DealAmountMethodFromWhenStatus
142 Grove · Brooklyn#DL-40000
$25,000.00
ACH
Sara H.
buyer
just now
cleared
1180 Bay · SF#DL-40037
$3,400.00
CARD
Robin P.
retainer
34s ago
cleared
17 Rector · Boston#DL-40074
$8,250.00
WIRE
Harborline
split
1m ago
routing
Hill Park · Austin#DL-40111
$1,200.00
ACH
June retainer
auto
3m ago
cleared
Echo Loft · Dallas#DL-40148
$16,500.00
ACH
Commission
firm
7m ago
cleared
72 Pine · NYC#DL-40185
$10,000.00
WIRE
Earnest
escrow
12m ago
on hold
Filtered · 6 of 4,128 this monthCleared YTD $184,213,902
Before · After

Six tools, four days,
one missed deposit.

The reason your firm hasn't caught up to payments isn't laziness, it's that the stack was never designed to talk to itself. Clai is.

The old way

Send. Wait. Chase. Hope.

  • 1Send PDF in Legacy eSignature Tool+0m
  • 2Email Stripe link separately+8m
  • 3Buyer asks "is this real?"+2h
  • 4TC chases bank for confirmation+1d
  • 5Splits cut by hand at month-end+30d
Time to cleared~4 days
With Clai

Sign. Pay. Cleared.

  • 1Sign + deposit on the same screen+0s
  • 2Funds in trust · receipt on PDF+11s
  • 3Splits encoded · payouts queued+0
  • 4QBO + ledger mirrored automatically+1m
  • 5Reconciled at close, not at month-end+close
Time to cleared11 seconds
In their words

Brokerages who closed the gap
between signed and paid.

"My earnest line and my signature line are on the same page now. The buyer doesn't even ask if it's safe, they just sign and pay."

KY
Kate Yoon
Listing agent · Vista Realty · Brooklyn

"We took our month-end reconciliation from a three-day operation to a four-minute one. My TC sent me flowers."

DK
Devon Karim
Broker · Harborline · Boston

"Refunding a busted deal used to be a support ticket. Now it's eleven seconds and the receipt updates itself."

AP
Aishwarya Patel
Solo broker · San Francisco
Book a demo

Bring one contract.
We'll have you collecting
by the end of the call.

20 minutes. Real deposit, real signature, real receipt back to your inbox. No credit card. No "we'll get back to you", we go live on the call.

SOC 2 Type II·PCI DSS Level 1·FDIC-insured partner
CLAI · RECEIPT#RC-04219
142 Grove St · listing -
Earnest deposit · ACH$25,000.00
Application · card$350.00
Commission · split · firm$16,500.00
TOTAL CLEARED$41,850.00
STAMPED TO PDF · 04 / 27 / 2026