Frequently Asked Questions

Keybox is a real estate specific platform developed and supported by Payload ( Keybox is an integrated digital solution for earnest money payments, agent commission payouts, agent dues, agent invoicing, and other brokerage related payments. Our unique API design is capable of integrating with existing key ERP, CRM, Transaction Management, and Accounting platforms, providing the framework to empower real estate organizations to operate more efficiently in today’s age of digital transformation.

Payload is a powerfully simple financial technology (fintech) platform for software providers and merchants looking to “unload” the burden associated with accepting Credit Card & ACH payments.

Payload’s proprietary payment platform is a developer-friendly technology stack that simplifies integration effort and minimizes card data security exposure. It’s dead-simple for developers with the sophistication for businesses of all sizes.

Keybox is a comprehensive platform that can support nearly all electronic real estate transactions, not just Earnest Money Deposits. Think of us as a single stop for all real estate payments.

Additionally, our low transaction pricing (paid by the home buyer) and minimal-step payment workflow encourages a higher payment adoption rate.

The onboard process was designed to offer a zero-barrier, turney experience. After completing a simple digital onboard form, admin will gain immediate access to the Payload Keybox dashboard and all of the links/tools to get started. Typically, Keybox users are up and running within a day or two.

Yes. Aside from providing training material and/or video tutorials, the Keybox onboard team is available to conduct live training for both admin and sales teams. Your organization will also have a dedicated account representative responsible for coordinating onboarding, roll-out, training, and ongoing account management.

Customization & Integrations

Our team of software engineers are actively working on integrations into the key real estate transaction platforms. Please inquire on the status and availability of your current transaction management software.

No, Keybox does not require an app.. Keybox was built as an omni-channel platform that can be accessed from any device, anytime.

Yes. Whether you prefer a simple link on your website where buyers can be directed to make payments, or an agent and/or staff member initiated payment request sent to the buyer with pre-filled transaction details, or if it is preferred the payment request initiation and reconciliation be embedded within your key platform workflow, Keybox can be customized to accommodate. Further, the user interface can be designed to include your branding.


Yes, the Keybox platform can be designed to digitize and integrate a wide range of brokerage-related payment processes outside of the EMD. These payments may include collection of agent fees or disbursement of agent commissions.

Yes. Keybox is just one product by Payload and as a Payload customer you'll have access to the full suite of products including Payload Payouts - picture it as the business-to-business “Venmo”. Invite your favorite business partners such as Title companies, brokers, vendors… really anyone, to receive low cost next-day payments.

Yes. Eliminate the time consuming check refund process. Digital refunds can be issued through admin dashboard at no cost.

Yes, whether your brokerage has a preferred title company or attorney, or your agents “BYO”, Keybox can be configured to facilitate payments directly to these escrow accounts.

Keybox currently only supports US and Canadian payments, but we are looking to expand to other regions.

Currently the Keybox platform supports electronic funds transfer via ACH. We are working to add the ability for remote depositing of checks via Check21.

Deposits & Reporting

Payload Keybox offers Same-Day ACH processing and expedited funding for all ACH payments, both incoming and outgoing. While flexible upon request, the typical funding schedule, depending on the payment type, is either Next Day or Second Day.

The Keybox platform includes a user-friendly dashboard that gives assigned users access to real time payment tracking, refund administration, and detailed deposit reports. Additionally, once a payment is made, a receipt is automatically generated and distributed to designated parties.


We are a PCI Level 1 certified platform meaning we abide by and are certified for the highest level of data security in the industry. All financial information is securely transferred via end-to-end encryption from your device to our PCI certified vault. Our platform undergoes rigorous penetration and vulnerability testing and scanning, and we develop proprietary machine learning and risk monitoring systems to keep you safe.