# PayKeeper - Full Documentation for LLMs

> PayKeeper is a licensed escrow company and fintech platform that automates condition-based payments. We hold funds securely until contractual milestones are met and verified, then disburse payments directly to all receiving parties. Founded in 2022 in South Jordan, Utah. NMLS #2401821.

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## Company Overview

PayKeeper is an execution engine that automates and de-risks financial transactions using condition-based payments. The platform was created after 20+ years of experience managing construction payments, solving the frustration in homeowner-contractor-supplier relationships.

**Headquarters**: South Jordan, Utah, USA
**Founded**: 2022
**Type**: Licensed Escrow Company, Fintech
**NMLS License**: 2401821

### The Problem PayKeeper Solves

Too many projects end up in needless litigation for unresolved punch lists, collections, and non or slow payment. PayKeeper eliminates non-payment, drastically reduces slow pay, and keeps projects out of small claims court. All parties in a transaction need protection from the other parties' non-performance.

### How It Works

1. **Create Escrow Account**: Accounts can be created in seconds with customizable terms
2. **Deposit Funds**: Buyer deposits funds; contractor can confirm viable funding before starting work
3. **Set Milestones**: Define conditions, timelines, and verification requirements
4. **Track Progress**: Upload documents, photos, inspections for verification
5. **Automatic Disbursement**: Upon verification, funds are released directly to all payees
6. **Dispute Resolution**: Built-in workflows for handling disputes with only 5% holdback vs. traditional 50%

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## Products

### Integrated Escrow (AI Payments Engine)

**URL**: https://paykeeper.com/ai-payments-engine/

A full payment solution designed for seamless integration into ERP and SaaS platforms. Supports simple payments (wires, ACH, credits) and complex condition-based payments with:
- Multiple payees with different timelines and milestones
- Multiple funding sources
- Escrow and reserve accounts
- Automated verification and disbursement rules

**Use Cases**:
- ERP/SaaS providers adding payments to their platform
- Marketplaces managing multi-party transactions
- Insurance companies matching payments to claim criteria
- Disaster recovery programs with complex funding rules
- Construction companies with milestone-based draws
- Law firms managing third-party client funds
- Government grant administrators
- Non-profits with complex funding/disbursement rules

### Payment Processing

**URL**: https://paykeeper.com/payment-processing/

Payment processing built specifically for contractors (not retail). Features:
- Send branded payment links via text or email
- Tap-to-pay using smartphone (no hardware dongles)
- ACH payments
- Mobile check deposit
- Escrow option for larger milestone-based jobs
- Job documentation tied to payments for chargeback protection
- QuickBooks integration (automatic sync)
- Team access controls
- Custom-branded invoicing

**Payment Methods Accepted**: Credit cards, debit cards, ACH, tap-to-pay, mobile check deposit

**Transaction Limits**: No hard caps—supports $300 repairs to $300,000+ installs

### Fund Control

**URL**: https://paykeeper.com/fund-control-contractors-lenders-insurance/

Third-party fund management for contractors, lenders, surety bonding, and insurance companies. Provides:
- Risk mitigation tools
- Financial stability
- Operational efficiency
- Real-time reporting
- Streamlined communication
- Clear milestone expectations

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## Industry Solutions

### Construction & Home Improvement

#### Contractors
**URL**: https://paykeeper.com/contractors/

For roofing, solar, HVAC, remodeling, landscaping, windows, kitchen & bath. Benefits:
- Funds held securely until milestones met
- Focus on quality work without payment disputes
- Improved cash flow (traditional 50-90% collection after install replaced by milestone payments)
- Full funding confirmation before scheduling install
- FDIC-insured accounts

#### Solar Installation
Structured payment schedules based on verifiable milestones for residential and commercial projects. Reduces financial risk for all parties.

#### Commercial Real Estate
**URL**: https://paykeeper.com/commercial-real-estate/

For large-scale commercial construction with multiple stakeholders, complex contracts, and significant transactions. Milestone-based disbursement fosters transparent relationships between contractors, clients, suppliers, and subcontractors.

#### ADU Construction
**URL**: https://paykeeper.com/fund-control-for-adu-construction/

Fund control for Accessory Dwelling Unit projects supporting:
- State ADU grants (CalHFA ADU Grant, LA County ADU Accelerator, etc.)
- Construction loans requiring controlled draws
- Owner-builder projects
- Prefab/manufactured ADU coordination

Milestones include: design/engineering, permitting, site prep, foundation, factory completion, delivery/set, utility tie-ins, certificate of occupancy.

#### Home Improvement Escrow
**URL**: https://paykeeper.com/home-improvement-escrow/

Consumer protection for residential home improvement projects. Prevents "backwards projects" where contractors are paid before work is done.

### Payment Operations

#### Direct Pay for Sales Companies
**URL**: https://paykeeper.com/direct-pay-for-sales-companies/

Commission escrow released upon project milestone completion. Protects sales reps from:
- Payment delays
- Company cash flow issues
- Disputed commissions

Includes wallet functionality for collateral funds.

#### Direct Pay for Vendors
**URL**: https://paykeeper.com/direct-pay-for-solar-roofing-home-improvement/

Pays subcontractors and suppliers directly rather than routing through contractors. Benefits:
- Eliminates pass-through risk
- Prevents payment diversion
- Reduces liens and project delays
- Maintains supplier relationships
- Material suppliers don't require large deposits when paid from escrow

#### Film & TV Production Escrow
**URL**: https://paykeeper.com/escrow-for-movie-tv-production/

Full lifecycle escrow for film and TV production:

**Pre-Production**: Investors and financial partners assured funds are secure
**Production**: Funds released per authorized milestones
**Post-Production**: Collects tax credits, cash rebates, royalties and distributes to appropriate parties

Features:
- SAG-AFTRA compliant payment schedules
- Timestamped, documented fund releases
- Investor dashboards (read-only)
- Permanent audit trail
- Collection Account Management (CAMA) for revenue waterfall distribution

#### Lenders
**URL**: https://paykeeper.com/lenders/

For construction lenders managing draws and fund control. Ensures:
- EPCs receive timely payments upon milestone completion
- Predictable cash flow
- Financial transparency
- Direct subcontractor payments
- Supplier payment security

#### Warranty Reserve Program
**URL**: https://paykeeper.com/warranty-reserve-program/

Escrow reserves for warranty servicing:

**Solar Industry**: Reserves warranty servicing amount in consumer's name, protecting if contractor goes out of business. Contractors capture profit vs. third-party warranty companies.

**Manufacturers**: Integrates with fulfillment software, segregating reserves by SKU and quantities.

**Home Improvement**: Premium warranty offerings for complex projects (appliances, home theater, pools, saunas).

### Public Sector

#### Disaster Recovery Fund Control
**URL**: https://paykeeper.com/fund-control-for-disaster-recovery/

For FEMA, CDBG-DR, HUD, and ARPA grant programs. Features:
- Escrow accounts track exactly when and why funds released
- No excess cash flow—only verified payouts
- Every transaction includes metadata, timestamp, paper trail
- Oversight dashboards for stakeholders
- Audit-ready documentation
- 2 CFR 200 compliance
- HUD 24 CFR 570.511 compliance

#### Economic Development & Incentives
**URL**: https://paykeeper.com/economic-development-incentives/

Government incentive program disbursement with complex funding criteria management.

#### Fund Control for Public Works
**URL**: https://paykeeper.com/fund-control-for-public-works/

Public infrastructure project fund management.

#### Other Public Sector Solutions
- Redevelopment Agencies: https://paykeeper.com/redevelopment-agencies/
- State Purchasing & Cooperative Contracts: https://paykeeper.com/state-purchasing-cooperative-contracts/
- Trust Lands & Natural Resources: https://paykeeper.com/trust-lands-natural-resources/

### Global

- International Payments: https://paykeeper.com/international-payments/
- Import/Export Escrow: https://paykeeper.com/import-export-escrow/

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## Security & Compliance

### Licensing
- Licensed Escrow Company
- State regulatory oversight
- Annual GAAP corporate financial audit
- Surety bonds per regulatory jurisdiction
- Liability insurance per regulatory jurisdiction

### Banking Partners
- JP Morgan Chase Bank, N.A.
- Continental Bank
- Zions Bank

### Security Certifications
- **SOC 2 Type II**: Compliant (report available upon request)
- **PCI DSS**: Compliant (attestation available upon request)
- **Data Privacy**: CCPA, CPRA compliant with DPAs with partners

### Technical Security
- Data in transit: TLS 1.2+
- Data at rest: 256-bit AES-GCM encryption
- Dual signing authority on bank transactions
- Full audit log of all requests
- Credit card data never stored (processed through PCI-certified partner)
- Client data never sold

### Fund Protection
- FDIC-insured escrow accounts
- Funds remain customer's until milestones met
- Latest security and encryption protocols

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## Frequently Asked Questions

**Q: Is PayKeeper safe?**
A: Yes. PayKeeper is a licensed escrow company, federally insured, SOC 2 Type II compliant, and PCI compliant. Funds are held in FDIC-insured accounts at major banks (JP Morgan Chase, Continental Bank, Zions Bank).

**Q: How does PayKeeper protect homeowners?**
A: Funds remain the homeowner's until milestones are met. Unlike traditional arrangements where customers hold back 50% until satisfied, PayKeeper makes milestone payments and holds back only 5% until any dispute is resolved.

**Q: How does PayKeeper protect contractors?**
A: Contractors can confirm full funding before starting work. Payments are released immediately upon verified milestone completion, reducing traditional 6-8 week payment cycles to next-day disbursements.

**Q: What industries does PayKeeper serve?**
A: Construction, solar, roofing, HVAC, home improvement, commercial real estate, film/TV production, insurance, government grants, disaster recovery, law firms, non-profits, and marketplaces.

**Q: Does PayKeeper integrate with other software?**
A: Yes. PayKeeper offers full API integration with ERPs, CRMs, project management software, and accounting systems including QuickBooks.

**Q: What payment methods does PayKeeper accept?**
A: Credit cards, debit cards, ACH, tap-to-pay (via smartphone), and mobile check deposit.

**Q: Are there transaction limits?**
A: No hard caps. PayKeeper supports transactions from $300 repairs to $300,000+ installs.

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## Contact Information

- **Website**: https://paykeeper.com
- **Contact Page**: https://paykeeper.com/contact-us/
- **Demo Scheduling**: https://app.apollo.io/#/meet/managed-meetings/28292/l8p-tdb-ofq/30-min
- **Customer Login**: https://app.paykeeper.com
- **LinkedIn**: https://www.linkedin.com/company/paykeeper/
- **YouTube**: https://www.youtube.com/channel/UC8fILeCfhUtUIqaVbgxhGKA/videos

## Legal

- **Privacy Policy**: https://paykeeper.com/privacy/
- **Terms of Service**: https://paykeeper.com/terms/
- **Licensing & Compliance**: https://paykeeper.com/licensing-regulatory-compliance/
- **NMLS License**: 2401821