Checks a day
One PI firm sends about a hundred checks a day through Disbo. Nobody at the firm prints, stuffs or stamps one.
High-volume PI firmDisbursement just got
its own software.
Disburse. Reconcile. Sleep better.
Staff prepare. Your signer approves. Payments leave your own IOLTA by check or electronic payment and reconcile in your books.
→Book a Free DemoSee how a demo goes →Case Management Data
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Send + reconcile + automateAccounting Records
xero+ moreA disbursement day
Settlement payments: by hand and in Disbo.
One settlement, seven payees. By hand, and in Disbo.
By handIn Disbo
People42 operator + signer
Hands-on time3 h 40 min12 min
ChecksPrinted and mailed by youPrinted and mailed for you
Month-endA weekendAn afternoon
Same settlement, same seven payees. Illustrative.
- 1By hand
One settlement, by hand.
Seven payees. Four people. A spreadsheet at month-end.
4 peopletouch every settlement3 h 40 minof hands-on work per settlement3 weeksof "where's my check?" callsA weekendto close the month - 2In Disbo
The same settlement, in Disbo.
One operator queues it. One signer approves it. Nothing is typed twice.
2 peopleone operator, one signer12 minof hands-on work per settlement0 callsevery payment tracked to cashedAn afternoonto close the month
Payment features
Prepare, approve, pay and record.
Eight things your disbursement team does by hand today. Each one is a card. Open any of them to see the screen your team would use.
Screens from our product design guide. Sample firm, cases, and figures.
Trust money
Funds, approvals and audit records.
Who holds the funds, who releases a payment, and what the audit log records.
Do you send our checks?
Yes, with every document. Each check is printed and mailed for you, drawn on your own IOLTA with your check number and your firm on the envelope. The lien letter, the signed statement, and anything else you attach go in the same envelope. You see it mailed, delivered, and cashed.
8 in 10payouts go out as checks
Your IOLTAevery check is drawn on it
All documentsenclosed with the check
Who holds the money?
No one. Most payouts are checks, drawn on your IOLTA and cleared by your bank like any check you write today. The rest are electronic payments that pass through our banking partner instantly and never sit anywhere or earn interest. Disbo holds nothing; it is software, like your bank's bill pay.
$0held by Disbo, ever
0 daysin transit, no interest earned
Cross River Bankpartner bank for electronic payments
Who can send a payment?
Staff prepare payouts. Only a registered admin or an authorized signer can release them, from a phone, with two-factor on every send. You can require a second approver above any amount you choose.
2 rolesprepare and send are different people
2FAon every release
2 approversoptional, above any amount you set
Who has looked at this?
The flow of funds has been reviewed with the California State Bar, other state bars, Ellen Pansky's office, and IOLTA.org. Fees come only from operating. Every payout is tied to a case and a payee. Disbo charges nothing to your clients and has no law firm investors.
ReviewedCA State Bar, other bars, Pansky's office, IOLTA.org
$1Mcyber and e-crime coverage
What does the audit log show?
One log per payment: who prepared it, who approved it, and when it was sent, delivered, and cashed. Uncashed checks are aged by days outstanding. Every open case shows its settlement, what is still in trust, and who has been paid, so nothing lives in a side spreadsheet.
1 logper payment, prepare to cashed
1 clickto answer "where's my check?"
0side spreadsheets
How does month-end work?
Because every deposit, payout, and case cost posts as it happens, month-end is a review, not a rebuild. Disbo prepares the adjusted bank balance, the trust journal, and the client ledgers side by side, itemizes any difference, and exports the report for your accountant and the bar. In beta.
3 balancesside by side
Betathree-way reconciliation
1 exportfor your CPA and the bar
Who can see our documents and bank details?
Privileged firm documents are accessible only to a two-person, US-based support team under NDA. Payees link their own bank through Plaid with a government ID on file, so routing and account numbers never live in Disbo and an emailed bank change can't change anything.
2 peopleUS-based support, under NDA
0routing numbers stored
Plaidpayee bank verification, ID on file
Staff time
Staff time per settlement.
Hands-on time to pay out one seven-payee settlement, from signed statement to every payee paid.
Illustrative, for a typical seven-payee settlement. Your numbers will differ.
Keep your stack
Disbo connects the record.
It doesn't replace anything.
Your bank holds the funds. Your case-management system holds the matter. Your accounting system holds the books. Disbo is the payment and ledger layer between them.
Case management
Accounting
XeroCSVSpreadsheet import
All live today. Cases and settlement documents come in from your case-management system; status, cleared date, and the check image go back to the case. Deposits, payouts, and case costs post to your accounting system tagged to the case.
What a demo looks like
One settlement, start to finish.
Five steps, in the order we walk through on a call.
- 1Settlement lands
The settlement lands in trust.
When the settlement hits your IOLTA, Disbo matches it to the case and shows what is settled, what is still in trust, and who has been paid.
- 2Closing statement
Settlements, paid to the penny.
The signed statement comes in from your case system. Every payee is queued, and Pay stays off until it balances to the penny.
- 3Signer approval
Staff prepare, your signer releases.
Only your signer can release it, from a phone, with a two-factor code.
- 4ACH or check
ACH or check, your call per payee.
Direct deposit to the bank the payee linked, or a check printed and mailed for you with the letter enclosed.
- 5Tracked to cashed
Every payment, tracked to cashed.
Every payment shows sent, delivered, and cashed. "Where's my check?" is one click.
Illustrative. Sample firm, cases, and figures.
Client results
Client-reported payment results.
Per disbursement
Signed statement to every payee paid. One operator prepares, one signer releases, and the books are posted when the last payment leaves.
PI firm, previously by handFound in trust
Money one firm didn't know was still sitting in its IOLTA until Disbo laid every case balance and every uncashed check side by side.
PI firm, first reconciliation on DisboAnswered a bar audit
When the bar asked, the firm pulled the per-payment trail and the month-end workbook from Disbo instead of rebuilding a year from bank statements.
PI firm under state bar auditClient-reported results. Firms anonymized; details on request.
FAQ
Payments, setup and pricing questions.
Payment methods, signer roles, connections and monthly reconciliation (Beta).
Does Disbo hold our clients' money?
No. The money stays in your IOLTA at your bank until your signer releases each payment. Checks are drawn on your IOLTA. Electronic payments pass through our banking partner, Cross River Bank, instantly; they never sit anywhere and never earn interest. Disbo is software, like your bank's bill pay, and it never decides to release a dollar.
Who at the firm can send a payment?
Staff prepare payouts. Only a registered admin or an authorized signer can release them, from a phone, with two-factor on every send. You can require a second approver above any amount you choose. Every step is in the audit log.
Has the bar looked at this?
The flow of funds has been reviewed with the California State Bar, other state bars, Ellen Pansky's office, and IOLTA.org. Fees come only from operating, every payout is tied to a case and a payee, and the firm keeps prepare and send as separate roles. Disbo charges nothing to your clients and has no law firm investors.
Do we have to leave our case-management or accounting system?
No. Filevine, Clio, CASEpeer, Litify, Neos and SmartAdvocate are live connections: cases and settlement documents come in, and status, cleared date and the check image go back to the case. QuickBooks Online, Sage, NetSuite and Xero are live too: deposits, payouts and case costs post tagged to the case. Anything else comes in from a spreadsheet during onboarding.
How do payees get paid?
Electronic payment to a bank the payee links themselves through Plaid, with a government ID on file, or a printed check mailed for you with the lien letter and signed statement enclosed. The lienholder gets an email when it goes out, and you see sent, delivered and cashed on every check.
What does it cost?
Priced per payout. Under 100 payouts a month there is no platform fee: $4.97 a payout, check or ACH, one rate. Plans from $49 a month add integrations and bring the per-payout rate down to $3.95 at scale. Nothing is charged until your first payment goes out. By hand, a check costs a firm about $28 in staff time, printing, postage and follow-up. See pricing →
What does onboarding involve?
An implementation lead on our team sets you up: bank connection, signers and roles, your case-management and accounting connections, and your historical trust balances. The import is part of setup, not a paid add-on.
Is three-way reconciliation live?
It is in beta. Each month Disbo prepares the adjusted bank balance, the trust journal and the client ledgers side by side, itemizes any difference for your review, and exports the report. Your accountant signs off; Disbo does the assembling.
How is our data protected?
Payees link banks through Plaid tokens, so routing and account numbers never live in Disbo. The firm's privileged documents are accessible only to a two-person, US-based support team under NDA. Disbo carries $1M in cyber and e-crime coverage.
Where does the client sign the closing statement?
In your case-management system, the way you do it today, for example Filevine's settlement tab with Vinesign. Disbo picks up the signed document, queues the payees from it, and sends it along with the payment.
How it works
See Disbo in 47 seconds.
A settlement in, every payee paid, the books reconciled. Press play.
Prefer a live one? Book a demo below and we run it on your own case numbers.
Send your next settlement
through Disbo.
Thirty minutes. We'll run a disbursement end to end on your own case numbers and show you what month-end looks like after.
Book a Demo →No platform fee under 100 payouts a month. Nothing until your first payment goes out.