Compliant Escrow & Payment Servicing

Q: Why can't these businesses just use a payment processor?

Because the issue is not how the money moves, it is who holds it and when it becomes theirs. The FTC Telemarketing Sales Rule (16 CFR 310.4(a)(5)) and the Credit Repair Organizations Act require customer funds to sit in a dedicated account the provider does not own or control. A standard merchant account does not satisfy that, however compliant the processor is.

Bee Pay holds consumer payments in trust for businesses that cannot legally charge a fee until the work is done — a sister product of MCA Track under Unity FI Solutions. Formerly Payment Automation Network.

Visit GoBeePay.com See CRM integrations

Held in Trust

Until the fee is earned

Daily

Disbursement to providers

5 CRMs

Native integrations

Formerly PAN

Payment Automation Network

What Is Bee Pay

Escrow for performance-based services

Bee Pay is an escrow and payment servicing provider for businesses that cannot collect a fee until the work is complete — debt settlement, debt validation, credit repair, student loan document preparation, tax resolution and timeshare cancellation. It drafts the consumer’s payment on schedule, holds it in a trust account the provider does not own or control, and disburses the fee once it is earned. See the platform at gobeepay.com.

The Distinction

Two ways money moves

MCA Track services funded deals, where the advance is already out and the remittance is yours when it clears. A different rule applies when a customer is paying toward an outcome that has not been delivered yet.

	Funded MCA deals	Performance-based services
Money is	Already earned	Not yet earned
Who holds it	You	A third-party trust account
Governed by	NACHA rules	FTC TSR 310.4(a)(5), CROA
Released when	It clears	The work is complete
Handled by	Your ACH processor	Bee Pay

Capabilities

What Bee Pay does

Everything a performance-based provider needs to collect compliantly and get paid when the rules allow.

Trust Account Management

Consumer funds held in a dedicated account the provider does not own or control, as the advance-fee 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

Forth (formerly Debt Pay Pro), Shape CRM, Onsite CRM, Skywave CRM and Leads Connection. See integrations.

Compliance by Design

Built around the FTC Telemarketing Sales Rule and the Credit Repair Organizations Act.

Reporting & Portal

24/7 account access and monitoring for both the provider and its customers.

FAQ

Common questions about Bee Pay

Is Bee Pay related to MCA Track?

Yes. Bee Pay and MCA Track are both products of Unity FI Solutions LLC in Charlotte, NC. MCA Track handles merchant cash advance servicing; Bee Pay handles escrow and payment servicing for performance-based consumer services.

Is Bee Pay the same as Payment Automation Network?

Yes. Bee Pay is the new name for Payment Automation Network, Inc. (PAN). Same company, same team, same escrow and payment servicing. If a CRM’s documentation still lists Payment Automation Network or PAN, that is Bee Pay.

Why can’t these businesses just use a payment processor?

Because the issue is not how the money moves — it is who holds it and when it becomes theirs. The FTC Telemarketing Sales Rule (16 CFR 310.4(a)(5)) and the Credit Repair Organizations Act require customer funds to sit in a dedicated account the provider does not own or control. A standard merchant account does not satisfy that, however compliant the processor is.

Which CRMs does Bee Pay work with?

Forth (formerly Debt Pay Pro), Shape CRM, Onsite CRM, Skywave CRM and Leads Connection. Payment data posts back to the CRM so there is no double data entry. See the current list at gobeepay.com.

Get Started

Collect compliantly with Bee Pay

If your business collects toward a result you have not delivered yet, federal rules require escrow. Bee Pay handles the trust accounting, drafting and disbursement.

Get Started with Bee Pay Visit GoBeePay.com

About Bee Pay

Bee Pay provides compliant escrow and payment servicing for debt settlement, debt validation, credit repair, student loan document preparation, tax resolution and timeshare cancellation companies. Formerly Payment Automation Network, Inc., it is operated by Unity FI Solutions LLC, headquartered in Charlotte, NC. Learn more at gobeepay.com.

MCATrack

Merchant cash advance servicing software for funders and ISOs — by Unity FI Solutions LLC, Charlotte, NC.

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