Modern Disbursements, Fully Auditable

Streamline the process of issuing customer refunds for overdraft charges, billing errors, and loan overpayments across consumer banking, credit card portfolios, and lending products. With Choice Digital’s payment infrastructure, banks and financial institutions can automate fee reimbursements with modern delivery via ACH, push-to-card, or digital wallets, eliminating the manual paperwork, delays, and call center complaints often tied to traditional refund workflows. Real-time reconciliation and compliance-friendly reporting keep your operations efficient and audit-ready.

When banks or financial institutions are involved in class action or regulatory settlements, Choice Digital simplifies mass disbursement with a secure, scalable solution. We handle claimant identity verification, digital payment delivery, and full audit trail generation to support court-appointed monitors, internal counsel, and claims administrators. Whether managing CFPB consent orders or multi-state settlements, our platform ensures accurate, inclusive, and timely financial services payouts that reduce escheatment risk and claimant support volume.

Fraud recovery programs require a careful balance of speed, compliance, and sensitivity. Choice Digital enables banks and fintechs to issue verified fraud restitution payments to affected customers quickly, securely, and in full alignment with compliance for banking payments. With built-in KYC/AML tools, OFAC screening, and auditable delivery logs, our platform helps institutions restore trust, reduce complaints, and satisfy regulatory expectations for fraud resolution protocols.