Zoccam
Zoccam provides white-labeled escrow payment infrastructure enabling direct fund transfers from consumer bank accounts to title company escrow accounts, serving 450+ title and escrow companies and free for real estate agents.
- Company typePrivate
- Founded2015
- HeadquartersDallas, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Zoccam does
Zoccam (legal entity ZOCCAM Technologies, LLC, also referenced as ZOCCAM Technologies, Inc. on the company website) is a Dallas-based, founder-owned software company founded in 2015 by Ashley Cook, a former real estate attorney. It builds white-labeled escrow payment infrastructure that enables direct fund transfers from consumer bank accounts to title company escrow accounts, without ZOCCAM or any third party holding, routing, or touching the funds. The platform supports paper check image submission, electronic check on screen, ACH debit, and real-time payments via The Clearing House RTP Network and the Federal Reserve FedNow Service. An optional Approval Portal lets title teams review and approve deposits before funds move, and a Home Warranty module integrates warranty selection (American Home Shield, Achosa) into the closing flow with automatic invoice routing to settlement statements.
The company monetizes primarily through title company partners, which pay onboarding fees, monthly minimums, and per-transaction fees (including ACH, RTP/FedNow, returned item, and insufficient funds fees). Real estate agents and home buyers use the platform free of charge, creating a product-led growth loop where agent adoption drives title company referrals. ZOCCAM integrates with 150+ banks and serves 450+ title company partners — including First American Title, Stewart Title, Old Republic Title, Republic Title, Independence Title, WFG Title, and McKnight Title — processing over $1.4 billion in escrow deposits annually and more than $10 billion cumulatively since 2015. The company holds 9 granted U.S. patents on its payment processing and database management technology (with 2 applications pending as of April 2026), is NACHA-compliant, and aligns its architecture with ALTA Best Practices Pillar 3 and state Department of Insurance trust-accounting oversight. Operations are U.S.-only, and the company is bootstrapped with no disclosed external institutional funding.
Zoccam firmographics
Firmographics- Name
- Zoccam
- Legal name
- ZOCCAM Technologies, LLC
- Website
- https://zoccam.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zoccam provides white-labeled escrow payment infrastructure enabling direct fund transfers from consumer bank accounts to title company escrow accounts, serving 450+ title and escrow companies and free for real estate agents.
- Ownership category
- akta.pro rank
Zoccam industry classification
Industry- Product category
- Real Estate Escrow Payment Infrastructure
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
Keywords
Where Zoccam is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Zoccam business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Title Company Partnership Fees: Title companies pay fees to use the ZOCCAM platform as their escrow payment infrastructure. According to the Terms of Use, partner accounts are subject to an onboarding fee, monthly minimum fees, and/or per-transaction fees as outlined in their Onboarding Contract.
- ACH and Instant Payment Transaction Fees: ZOCCAM charges fees for ACH debit transactions and instant payment transactions (RTP Network and FedNow Service), including per-transaction fees, returned item fees, and insufficient funds fees. Fee amounts may vary depending on the payment network used.
- Free for Agents (Platform Stickiness): Real estate agents use ZOCCAM free of charge. This is a land-and-expand motion where agent adoption drives title company partner adoption and associated transaction fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free for Real Estate Agents |
| Subscription | Monthly | Partner Account (Title Companies) |
| Transaction based/ take rate | Pay-as-you-go | Transaction-Based Fees |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels3 records
Zoccam product offering
Product offeringCore offering
ZOCCAM provides a white-labeled escrow payment infrastructure platform that enables direct fund transfers from consumer bank accounts to title company escrow accounts, eliminating any intermediary that holds or routes funds. The platform supports paper check, electronic check, ACH, and real-time payments (RTP Network, FedNow), and is offered to title companies with an optional Approval Portal and a Home Warranty selection module. It is sold to title and escrow companies on a paid basis, while real estate agents and home buyers use it free of charge.
Product overview
ZOCCAM is a white-labeled escrow payment infrastructure platform for title and escrow companies, built specifically for real estate transactions. The core ZOCCAM Platform enables direct fund transfers from consumer banks to title company escrow accounts via white-labeled deposit links, with no intermediary touching the funds. The platform includes the optional Approval Portal for deposit review, Electronic Check for mobile e-check submissions, and the ZOCCAM for Real Estate Agents module enabling agents to initiate deposits. The send.zoccam.com web app serves as the primary deposit initiation interface. ZOCCAM Home Warranty is a separate module allowing buyers to browse and reserve home warranties pre-closing, with invoices automatically routed to settlement statements. The platform processes over $1.4 billion in escrow deposits annually across 450+ title company partners.
Differentiator
Problem solved
Functional benefit
Products and services
- ZOCCAM Platform White-labeled escrow payment infrastructure trusted by 450+ title companies that enables direct fund transfers from consumer bank accounts to title company escrow accounts without any intermediary handling the funds. Supports paper check, electronic check, ACH, and real-time payment (RTP Network and FedNow) in a single non-redirected experience, with full audit trail including watermarked check images, deposit confirmations, and buyer verification data.
- ZOCCAM Approval Portal Optional deposit review and sign-off interface for title company teams that provides direct review and approval or rejection of every incoming deposit before funds move. Configurable in an all-or-nothing mode (approve every deposit, or let all flow through automatically), with check image inspection, branch/property/buyer/amount details, and real-time email alerts to the review team.
- ZOCCAM Home Warranty Home warranty browsing and reservation module that lets buyers compare and reserve home warranty plans from providers such as American Home Shield and Achosa Home Warranty during the closing process, with no payment required until the deal closes and no marketing emails or calls from warranty providers while browsing. Invoices are automatically routed to the title company for inclusion on the settlement statement.
Quantifiable outcome
- 450+ title companies use ZOCCAM as their escrow payment platform
- +5 more outcomes
Companies that use Zoccam
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles2 records
Zoccam technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
Zoccam partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- American Home ShieldcoreAmerican Home Shield is one of the largest home warranty providers in the U.S., founded in 1971 and headquartered in Memphis, Tennessee. Serves over 2 million customers across 49 states with a network of 60,000+ independent technicians. Offers plans through the ZOCCAM Home Warranty platform, allowing buyers to browse and reserve coverage during the closing process.
- Achosa Home WarrantycoreAchosa (meaning 'the power to choose') is a home warranty provider founded in 2018 and based in Florida. Differentiates by allowing homeowners to select their own licensed contractors for covered repairs rather than being assigned technicians from a network. Roof leak coverage is included in all plans. Offers plans through the ZOCCAM Home Warranty platform.
- 150+ Bank IntegrationscoreZOCCAM is integrated with 150+ banks nationwide for direct, secure fund transfers. These bank integrations enable funds to move directly from consumer bank accounts to title company escrow accounts. The integrations support ACH transfers, RTP Network real-time payments, and FedNow Service real-time payments.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Zoccam competitors and assessment
Company assessmentDirect peers
- Closinglock: Closinglock provides wire fraud prevention and secure payment tools for real estate transactions, including earnest money handling. It is comparable to ZOCCAM because both target the deposit-handling step of real estate closings with security-focused, digitally mediated payment flows aimed at title companies and agents.
- Modern Treasury: Modern Treasury operates payment operations infrastructure for A2A flows, including ACH and real-time payments. It is comparable to ZOCCAM because both abstract away bank connectivity and move funds directly between accounts without holding balances, targeting B2B2C money movement workflows in regulated industries.
- CertifID: CertifID is a wire fraud prevention and identity verification platform purpose-built for real estate closings. It is comparable to ZOCCAM because both serve the title and escrow closing workflow with security-forward payment infrastructure, addressing fraud and counterparty risk during the deposit and funding stages of a real estate transaction.
- Finix: Finix provides payments infrastructure for software platforms, enabling embedded payment flows with direct processor and bank connectivity. It is comparable to ZOCCAM because both sell infrastructure to vertical software platforms that need branded, embedded payment experiences without intermediaries touching funds.
- Dwolla: Dwolla is an A2A payment initiation and money movement platform supporting ACH and real-time rails. It is comparable to ZOCCAM because both initiate account-to-account payments directly from a consumer's bank to a destination account, with a similar focus on bank integrations and rail connectivity — though Dwolla serves multiple verticals while ZOCCAM is purpose-built for real estate escrow.
Broad incumbents
- Qualia: Qualia is a real estate closing platform that combines title production, escrow, and lender coordination in one system. It is comparable to ZOCCAM because both serve the same title company buyer for the closing workflow, though Qualia is a broader platform while ZOCCAM is purpose-built for the deposit step with deeper payment-rail integration.
- SoftPro: SoftPro is an established title production and escrow software platform used by title agents and underwriters. It is comparable to ZOCCAM because both sell into the same title company buyer, addressing operational workflow during closings — though SoftPro is a broader production system while ZOCCAM is a specialized payment infrastructure layer.
- Plaid: Plaid provides the connectivity layer that underpins much of the A2A payments ecosystem, including bank linking and transaction data. It is comparable to ZOCCAM as a foundational bank-integration and payment-initiation infrastructure player, though Plaid serves a much broader market and ZOCCAM specializes downstream of Plaid-style connectivity for real estate escrow.
- RamQuest: RamQuest provides title insurance production and closing software for title agents and underwriters. It is comparable to ZOCCAM because both target the title and escrow workflow for the same buyer base, and ZOCCAM's COO Steve Terry previously worked at RamQuest — indicating overlapping customer relationships in the vertical.
Emerging players
- Increase.com: Increase provides ACH and real-time payment infrastructure with bank connectivity APIs aimed at fintechs and vertical software platforms. It is comparable to ZOCCAM as a modern A2A payments infrastructure provider supporting direct bank-to-bank transfers without holding funds, though Increase serves multiple verticals rather than specializing in real estate escrow.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Zoccam social profiles
Digital presenceZoccam compliance and trust
Trust signalCompliance2 records
Zoccam financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zoccam leadership team
Management profileNumber of profiles
Profiles3 records
Zoccam funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zoccam M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zoccam
What does Zoccam do?
ZOCCAM provides a white-labeled escrow payment infrastructure platform that enables direct fund transfers from consumer bank accounts to title company escrow accounts, eliminating any intermediary that holds or routes funds. The platform supports paper check, electronic check, ACH, and real-time payments (RTP Network, FedNow), and is offered to title companies with an optional Approval Portal and a Home Warranty selection module. It is sold to title and escrow companies on a paid basis, while real estate agents and home buyers use it free of charge.
Is Zoccam a public or private company?
Zoccam is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Zoccam founded?
Zoccam was founded in 2015. It employs 11 to 50 people.
Where is Zoccam based?
Zoccam is headquartered in Dallas, United States, in the North America region.
How does Zoccam make money?
Three revenue lines are on record. Title Company Partnership Fees are the primary driver. The others are ACH and Instant Payment Transaction Fees and free for Agents (Platform Stickiness).
Who are Zoccam's main competitors?
Direct peers on record are Closinglock, Modern Treasury, CertifID, Finix and Dwolla. Broad incumbents are Qualia, SoftPro, Plaid and RamQuest. Increase.com is listed as an emerging player.
Does Zoccam have an API?
No public API is recorded for Zoccam.
What industry is Zoccam in?
Zoccam's product category is Real Estate Escrow Payment Infrastructure. Its primary akta.pro industry code is FSAMAFAB, A2A Payment Initiation Service Providers (PISPs). Its NAICS code is 5223 and its SIC code is 6199.