Plaid LiveYour bank feed, and your payees' banks,
through Plaid.
Disbo reads your IOLTA and operating transactions through Plaid, and each payee links a bank once, as a token. Admins and payees are ID-checked. Nothing is written back to your accounts.
Plaid reads and verifies. Disbo sends the payment.
Each item below is stated for Plaid specifically; other systems have their own page.
What comes in Live
- Your IOLTA and operating transactions, read-only, for deposit matching and reconciliation
- A payee's linked bank as a token (never the account number)
- Identity verification results (government ID, face match, last four of SSN) for admins and payees
What goes back Live
- Nothing. Plaid is read-only for your accounts; payments are sent from your own account through Disbo.
Three steps, on a phone.
A payee gets an email, links a bank once through Plaid, and sees the confirmation.
1. The invite
2. Link a bank
Link your bank
Sign in with your online-banking login. Disbo never sees your password or account number.
3. Confirmed
You are set
Ramirez v. Northgate Freight
Your payment of $252,041.00 will go to the linked bank by ACH after approval.
Connected in four steps, on one call.
Our implementation team does this with you on the implementation call.
Link your IOLTA and operating accounts
Settings → Bank accounts → Connect; your online-banking login, read-only.Done with you on the implementation call.
Verify your admins
Each admin completes an ID check.Done with you on the implementation call.
Invite payees
Each payee links once; the token is saved on the contact.Done with you on the implementation call.
Send $1 to yourself
Send one dollar to yourself to see the payee side.Done with you on the implementation call.
Keep your flow. Your bank stays your bank.
Plaid is how Disbo reads your accounts and how payees link theirs. Payments still go from your own account.
Read-only
Disbo reads transactions from your IOLTA and operating accounts. Plaid does not move money from them; payments are sent from your own account through Disbo.
Tokens, not numbers
Plaid hands Disbo a token for a payee's linked bank. Neither Disbo nor your staff store the account number.
Verified payees
Admins and payees are ID-checked: government ID, face match, last four of SSN.
Bank-change scams can't reach Disbo
An email asking to change a payee's bank changes nothing; the payee re-links.
If your bank isn't on Plaid
Our team adds the accounts by hand and verifies them with a micro-deposit.
Keep ACH off if you prefer
Checks only is common. Nothing about the connection requires ACH.
What the bar asks about.
Three questions a managing partner asks before connecting a system. Tap one.
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.
Who has looked at this?
The flow of funds has been reviewed with the State Bar of California 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.
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.
Questions about Plaid and Disbo.
Does Disbo see our routing and account numbers?
No. Plaid hands Disbo a token; neither Disbo nor your staff store the numbers.
Our bank isn't supported.
Our team adds the accounts by hand and verifies them with a micro-deposit; the transaction feed is then uploaded on a schedule.
Can we turn off ACH entirely?
Yes. Checks only is common.
See your bank feed in Disbo.
Bring your online-banking logins to the call. We link the accounts and send $1 to yourself.
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