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AREA Real Estate Services Corp Program Stop Chasing Trust Deposits. Move Them Online.
Payload replaces cheques and wire instructions with secure electronic trust deposits your clients can send in seconds — at no cost to your brokerage.*
Your brokerage pays nothing to offer it.
The AREA program removes Payload's typical $20/month subscription, so brokerages can offer electronic trust deposits at no cost to the business. Clients simply pay one low flat fee per deposit when they send one.
Built for Alberta brokerages, before anyone else.
Payload piloted with Alberta brokerages in 2023. It cut hours out of the admin week, gave clients a payment experience that finally made sense, and modernized a piece of the transaction that was long overdue.
AREA Real Estate Services Corp. — a subsidiary of the Alberta Real Estate Association — introduced it here first. The program removes Payload's monthly subscription, so brokerages can offer electronic trust deposits at no cost to the business. Saving REALTORS® money and creating efficiencies in day-to-day operations is exactly what we're here to do.
What used to take three days now takes twenty minutes.
One secure payment portal — branded to your brokerage — that your buyers use to send deposits electronically. Money moves in seconds, every transaction is tagged, reconciliation is automatic.
Buyer pays through your branded portal
By Interac e-Transfer or bank debit (EFT) — the secure methods approved for trust deposits. No downloads, no unfamiliar links.
Funds land in your trust account in seconds
Straight into your existing brokerage trust account, tagged with buyer, property, MLS® number and contract reference.
Reconciliation is automatic
Every deposit shows up in your dashboard already matched to the deal. Admin stops chasing paperwork.
A payment experience that just makes sense.
- Pay by Interac e-Transfer or bank debit — the secure methods approved for trust deposits.
- No account setup, no downloads, no unfamiliar links.
- Skip the bank line — send the deposit from home in a couple of minutes.
Everything, without changing how you work.
Your brokerage, your brand
Buyers pay through a portal branded to you — reinforcing your brand at the moment of highest client confidence, not routing them to an unfamiliar third-party link.
No change to your bank or trust account
Payload never holds your funds — it moves them into the trust account you already use. Your structure stays exactly as RECA requires.
Fewer unidentified deposits
Every payment arrives tagged with buyer, property, MLS® and contract. No more guessing whose money just hit the account.
Secure by design
FINTRAC-registered, SOC 2 and PCI compliant, with AI-powered fraud monitoring (Payload Polygraph). Trust account details are never exposed.
One-click refunds
On a collapsed deal, refund a buyer with a single click — no forms, no fees, no drawn-out reversals. Reject or void a deposit before daily processing.
Fits your existing stack
Works with DotLoop, SkySlope, Loft47, DocuSign, Moxiworks and Lone Wolf. No rip-and-replace, no new software for your agents to learn.
No fine print. Here's exactly what you get.
Questions Alberta managing brokers ask.
Is this compliant with RECA and Alberta trust-account rules?
Yes. Payload doesn't hold your funds — it moves electronic deposits into the existing brokerage trust account you already operate, so your structure stays exactly as RECA requires. Payload is FINTRAC-registered and SOC 2 and PCI compliant, and trust account details are never exposed to the buyer.
What does it actually cost my brokerage?
Nothing. Payload's standard $20/month subscription is removed through the AREA program, so there's no cost to your business to offer electronic trust deposits. The only fee is a flat $20 per deposit, and the sender pays it — your trust amount is never reduced.
How long does onboarding take?
Under a week for most brokerages. Payload's Canadian team handles setup, integration with your existing systems, and staff training — you're not managing the rollout yourself.
Do my agents need to change anything?
No. Agents keep working the way they do. The deposit link goes to the client, the money lands in your trust account, and admin sees it in the dashboard — the change is effectively invisible to your agents.
What's the catch on the flat fee?
There isn't a scaled fee. It's one flat $20 per deposit whether the deposit is $5,000 or $250,000, and the buyer sending the funds pays it — not your brokerage and not your client's trust amount.
Modernize your deposit process in under a week. At no cost.
Join the brokerages already moving deposits in seconds instead of days.
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