Two Verified Facts
These are two claims on this page sourced directly from Enumerate's own public site and independent industry-tracker reporting, not inference. Everything else on this page compares what CommunityPay has built against what Enumerate has publicly stated — where Enumerate hasn't published a claim, we say so rather than guess.
A rebrand mid-migration: TOPS Pro/IQ discontinued end of 2024
Enumerate is the rebrand of TOPS Software following a Great Hill Partners investment in May 2023. Legacy TOPS Pro and TOPS IQ were discontinued at the end of 2024, requiring existing customers to migrate onto the new Enumerate Central platform — a forced-migration event for a live customer base.
No forced product migration for existing customers
CommunityPay has not discontinued or replatformed its core product out from under an existing customer base. The ledger an association is on today is the ledger it stays on.
Resale certificates via a partner, not confirmed native
TOPS Software (now Enumerate) announced an integration partnership with HomeWiseDocs, a separate company — no public source states Enumerate owns HomeWiseDocs or CondoCerts, or generates certificates from its own ledger.
Resale certificates and condo questionnaires from live ledger data
Statute-mapped resale certificates and Fannie 1076 / Freddie 476 condo questionnaires, generated directly from the association's own accounting records — no handoff to a separate vendor or platform.
Pricing & Reporting Depth
Enumerate publishes three unnamed-dollar tiers — Starter, Growth, Enterprise — available on request, with no published rate. We're not going to guess at a number Enumerate hasn't disclosed. On reporting depth, Enumerate's own site is thin compared to the rest of this market: we found no mention of CIRA-standard fund statements, RSI, or a CPA audit portal on any page we reached, which we note as "not published," not "confirmed absent."
| Dimension | CommunityPay | Enumerate |
|---|---|---|
| Pricing model | Published flat rate — see pricing | Not published; three unpriced tiers (Starter/Growth/Enterprise), quote-only |
| Platform fee over time | Flat — does not increase after signing | Not published |
| CIRA-standard fund reporting | 30+ statements — balance sheet, changes in fund balances, budget-and-actual, RSI, cash flows by fund | Not published on any page reached |
| Outgoing vendor ACH payment | $0, included — every plan | Automated vendor payments included; per-transaction fee not published |
Enforcement & System of Record
This is where "enterprise" stops being a marketing word and starts meaning something specific: every posting evaluated against a fixed rule set before it lands, logged whether it passes or not. Enumerate does not publish claims in this category — it's built as general-purpose property management accounting, not an enforcement layer over the ledger.
| Feature | CommunityPay | Enumerate |
|---|---|---|
| Pre-posting transaction evaluation (patent-pending architecture) | 18 enforcement guards, every transaction | No |
| Immutable decision log | SHA-256 hashed, append-only | No |
| Fund segregation enforcement | Automated, blocks cross-fund violations | Discussed as best practice; no enforced feature published |
| Automatic bank reconciliation | Three-way, bank = GL = client | Transaction matching + read-only bank connections |
| Token-gated CPA audit portal | SHA-256 hashed tokens, no login required | No |
| Enterprise debt subledger | Event-sourced, covenant evaluation | No |
| Reserve funding status report (RSI) | Institutional packet, SHA-256 hashed | No |
| Multi-state resale compliance profiles | 10 states, 14 profiles | No published feature |
| Vendor ACH payments | Included, no additional fee | Included; per-transaction fee not published |
Reporting, Legal Corpus & Institutional Tools
Beyond enforcement, this is the depth a real audit or lending relationship actually requires — CIRA-standard financial statements, a living record of the statutes a certificate cites, and workflow-driven accountability for resident handling instead of a support chatbot.
| Feature | CommunityPay | Enumerate |
|---|---|---|
| CIRA-standard financial reporting | 30+ statements — balance sheet, changes in fund balances, budget-and-actual, RSI, cash flows by fund | General-purpose GAAP reporting (balance sheet, bank rec, cash flow) — no CIRA-specific statement set published |
| Token-gated CPA audit portal | No login required, scope-controlled per engagement, every access logged | No |
| Living legal corpus (patent-pending architecture) | Statute, case law, session law & regulation tracking with sourced quotes | No |
| Condo questionnaire API (Fannie 1076 / Freddie 476) | Auto-filled from live ledger data | No |
| Resident handling | Workflow-driven assignment and task routing with accountability tracked to completion — not a Q&A chatbot | "Numa AI" embedded in the product suite; scope not published |
| Resident statement access | Available to all residents | Not published as a distinct capability |
| CARIScore — community association risk index | 5-component, 0–100 score for lenders, insurers & buyers | No |
| Budget builder | Native to the ledger — ties budget lines directly to GL accounts | Included |
| Full ledger read/write access for board & manager | Every entry itemized, no curated-report ceiling | Not published as a distinct capability |
| AI-driven AP automation | AI OCR, deterministic vendor matching, and a per-HOA inbox that reads incoming invoices, enters bills, and routes them to approval | No published feature |
| Deterministic account-role matching (FLASH) | Scored, rule-based lookup by account role — not an LLM guess, so it can't hallucinate an account | No published feature |
Governance, Trust & Vendor Risk
The controls a board actually needs when real money and real vendors are involved — separation of duties on approvals, trust funds that reconcile against the bank and the client independently, and vendors verified before they get paid, not after something goes wrong.
| Feature | CommunityPay | Enumerate |
|---|---|---|
| Trust accounting, three-way reconciliation | Bank = GL = client, automated daily | No published feature |
| Board approval workflow & separation of duties | Dollar-threshold approval tiers, treasurer/payer separation, self-approval controls | No published payment-approval workflow |
| Vendor license, bond & insurance monitoring | Automated daily checks before a vendor gets paid | No |
| Fraud detection on payments | Velocity limits, pattern analysis | No published feature |
| Collection letters & fines automation | Included, tied to the ledger | Included, per Enumerate's own site |
| Two-factor authentication | Available on every account | Not independently verified from Enumerate's public documentation |