eXp Realty + Payload: A unified, digital payments experience for real estate
Summary
eXp Realty has partnered with Payload to modernize how money moves across its North American business—bringing earnest money deposits, agent billing, commission disbursements, buyer retainers, and lease commissions onto secure digital rails. The result: faster funding, fewer manual reconciliations, and a better experience for agents and clients.
What’s live
eXp integrated Payload directly with its core systems—including the My eXp agent portal and Oracle—and embedded key flows in SkySlope. Using Payload’s pre-built components (agent dashboards, automated billing, smart payment links), eXp launched a scalable solution quickly across the U.S. and Canada.
“This partnership is about more than just efficiency—it’s about elevating the entire transaction experience,” said Jesse Hill, CFO at eXp Realty. “Payload gives our agents and partners the modern tools they need to close deals faster and with less friction.”
Workflows now automated
Agent billing: Monthly invoices auto-generated with autopay and multiple payment methods to reduce back-office work and improve collections.
Earnest money deposits (EMDs): Fully embedded in SkySlope—no paper checks, reduced wire risk.
Buyer retainers: Paid in seconds via secure links or QR codes.
Title payments: Commission payments requested and processed through closing disclosures for faster, safer disbursements.
Lease commissions / first month’s rent: Collected by card or ACH at signing to remove friction for renters and agents.
“This is a textbook example of using Payload to solve complex, high-volume payment workflows,” said Zach Jacob, VP of Partnerships at Payload. “eXp combined off-the-shelf tools, APIs, and integrations to unify inbound and outbound payments across their ecosystem.”
Why it matters
Speed: Moves time-to-funds from days to hours in key flows.
Risk reduction: Eliminates mailed checks and ad-hoc wires; standardizes authorization, routing, and audit trails.
Operational control: Integrated reconciliation and reporting reduce manual effort across finance and ops.
Agent experience: Modern, embedded payments inside tools agents already use.
Under the hood
Through a single integration, eXp can route payments over Same-Day ACH, credit/debit cards, mobile wallets, Check21, and instant networks RTP® and FedNow®—selecting the right rail for speed, cost, and availability. Payload pairs this with enterprise-grade compliance (PCI-DSS Level 1, SOC 2 Type II), KYC/OFAC controls, and real-time reporting.
About eXp Realty
eXp World Holdings, Inc. (Nasdaq: EXPI) (the “Company”) is the holding company for eXp Realty® and SUCCESS® Enterprises. eXp Realty is the largest independent real estate brokerage in the world, with over 82,000 agents across 28 countries. As a cloud-based, agent-centric brokerage, eXp Realty provides real estate agents industry-leading commission splits, revenue share, equity ownership opportunities, and a global network that empowers agents to build thriving businesses. For more information about eXp World Holdings, Inc., visit: expworldholdings.com SUCCESS® Enterprises, anchored by SUCCESS® magazine, has been a trusted name in personal and professional development since 1897. As part of the eXp ecosystem, it offers agents access to valuable resources to enhance their skills, grow their businesses, and achieve long-term success. For more information about SUCCESS, visit success.com.