Bee Pay: Compliant Escrow & Payment Servicing
Bee Pay holds consumer payments in trust for businesses that cannot legally charge a fee until the work is done — and a sister product of MCA Verify under Unity FI Solutions. Formerly Payment Automation Network.
What is Bee Pay?
Bee Pay is an escrow and payment servicing provider for performance-based consumer services — debt settlement, debt validation, credit repair, student loan document preparation, tax resolution and timeshare cancellation. It drafts the consumer’s payment on schedule, holds the funds in a trust account the provider does not own or control, and disburses the fee once the work is complete.
Bee Pay is the new name for Payment Automation Network, Inc. and is operated by Unity FI Solutions LLC of Charlotte, NC — the same company behind MCA Verify. Visit GoBeePay.com to learn more or request pricing.
Why this matters when you underwrite
If a debt relief or credit repair company comes across your desk, its bank statements will not look like a normal applicant’s — and reading them as though they do will give you the wrong answer.
- Deposits understate the book — gross consumer payments never touch the operating account, so a firm servicing thousands of enrolled consumers can show modest deposits.
- Deposits are concentrated — disbursements arrive from one servicer on a predictable cycle rather than as many small customer payments.
- Consumer-side returns are invisible — NSFs hit the trust account, not the operating statement, so true collection performance is not in the file.
- Revenue lags enrollment — fees are earned only as settlements complete, so a fast-growing firm can look flat for months.
A provider using a recognised third-party servicer is generally a positive signal: it means the advance-fee structure is handled properly, which is the compliance risk most likely to end that business abruptly.
What Bee Pay offers providers
Trust account management
Consumer funds held in a dedicated account the provider does not own or control, as the FTC rules require.
Scheduled drafting
Automatic ACH collection on the agreed plan, with payment reminders and free schedule modifications.
Daily disbursement
Earned fees released on schedule with a full record of every collection and payout.
CRM integration
Connects to Forth (formerly Debt Pay Pro), Shape CRM, Onsite CRM, Skywave CRM and Leads Connection.
Compliance by design
Built around FTC TSR 16 CFR 310.4(a)(5) and the Credit Repair Organizations Act.
24/7 portal access
Account monitoring and reporting for both the provider and its customers.
Frequently asked questions
Underwrite with MCA Verify. Service fees with Bee Pay.
Decide faster with MCA Verify, and hold performance-based fees in compliant escrow with Bee Pay — both from Unity FI Solutions.