Paying out and taking payments - Payment processors

Paying out and taking payments - Payment processors

Pay your Agents: 

You can use either Zum Rails or Payload to pay your Agents. 

In this help article, we walk through the process using Payload; however, the workflow will be the same with Zum. 


Payload Turn around times

All payment processed after 4 PM PST (7 PM EST), will be considered a next day processing and the payment may take 2 business days

All payment processed before 4 PM PST (7 PM EST), will be considered same day processing and the payment will take 1 business day

If your agent is being paid out the first time, it can take up to 2 business days to process and pay.


Once paid out, your agents will receive an email from payload (alerts@payload.com) notifying them of their received funds.

Zum Rails Turn around times:

These will depend on which payment methods are chosen by your Brokerage. For more information on Zum turnaround times, please check here: https://docs.zumrails.com/payments/payment-rails


Taking Payments from your Agents

If your agent's have outstanding invoices, such as desk fees, etc., but don't have any upcoming deals, you can now recover outstanding invoices in-app! 

Deals Ready to Payout

  1. Head to your Deal’s Payout Commission Page
  2. Select Payload in the ‘Pay Directly With’ dropdown

  3. Click Pay or Pay All button
  4. Choose yes to close deal or No if you want to be redirected to your deal’s Transaction page
  5. Head to your Integrations/Payload (Zum)/Pending menu


  1. Click the Make Payment button on the deal you want to pay your Agent on

In the next prompt: 

Choose your Processing account you want to pay your agent from in the ‘Processing Account’ field

Agent without bank account setup

Select the Recipient.  Please note, if an agent has not set up their bank account in Loft, payment processors will need to send them their Activation. Click Send Activation

Agent with bank account set up

Follow the same steps above and click Make Payment

Agent payable to Org

If your agent is payable to their org bank account 

Follow the same steps above but make sure your agent’s org contact has a UNIQUE email address so that they can be sent their activation link as you CAN NOT set up a payment account in an organization’s contact.

Email from Payload/Zum

If your agent did not set up their bank account in Loft, and you chose the Send Activation option, this is an example of what your Agent might receive in order to connect or set up their account. 

They will need to click the 'Connect Account' button and follow the prompts and complete the form and click Submit.
Once submitted, the account will be connected.  Please note, it may take up to 2 business days for activation and before your Agent will receive payments.

For more information on Paying out Third Party Payables or Mentor Fees, Read more here

Viewing Paid Transactions 

Once paid, you can view your transactions via the Payload(Zum)/Transactions menu

Here you can Filter & Download your transactions for easier reconciliation. 

Zum Rails fees

Zum Rails does not charge a monthly fee. Please see this article on the fees charged by Zum for transactions: ZUM Set Up

As the Brokerage, you can decide which payment methods you'd like to use based on their turnaround time here: https://docs.zumrails.com/payments/payment-rails




Payload fees
Payload charges a monthly fee of $10 USD &  $1.50 USD or $10 CAD + $2.00 CAD per transaction.
You can view all charges from Payload via the Payload/Payload Fees menu.

Here you can view your monthly charges by filtering by month/year


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