Clear rules.
Clear responsibility.

Fees collected through a payment flow settle to the fee owner’s merchant or bank account through a regulated payment processor. Earnest money, cash to close, and loan proceeds move to the settlement agent’s designated escrow or trust account. FeeHarbor does not pool funds or earn float.

The settlement agent retains authority over trust funds and disbursement. FeeHarbor can show receipt and status, while good-funds requirements and disbursement decisions stay with the responsible parties.

Funding and payoff instructions are designed to be delivered in an authenticated, file-specific experience. A change to a destination should be held for independent verification before money is sent.

Timing conditions are recorded on the fee. For example, many upfront lender fees depend on delivery of a Loan Estimate and receipt of intent to proceed. Actual requirements depend on the fee, transaction, program, and jurisdiction.

Transaction data should serve the parties and workflow on that transaction, with access scoped to what each party needs. Security documentation and processor details should be reviewed as part of partner diligence.

The product is designed to be neutral about provider choice. The source concept states that FeeHarbor does not sell placement or take referral fees for directing business.

No. Agents record and reconcile: they match deposits, run fee checks, and keep parties informed. They don’t send, collect, or disburse funds, and FeeHarbor never holds customer money.

Only what a mandate allows. A mandate names the task, its limits (for example, a cap per deposit and verified accounts only), and when it expires. One person at the firm proposes it and a second person approves it. API keys, including ones a firm gives its own AI tools, work under mandates the same way.

Entering or changing account instructions, verifying a destination, confirming a payment for a firm, and approving a mandate. Disbursing trust funds stays with the settlement agent. Agents and API keys are refused these actions by design.

Any owner or admin at the firm can revoke a single mandate or pause all automation for the firm. Either takes effect right away, with no second approval needed to stop.

Yes. Every event on a file records whether a person, a FeeHarbor agent, or an API key acted, and which mandate allowed any automated action. The history is append-only, so nothing is edited after the fact.