Two Verified Gaps
These are the two claims on this page sourced directly from PayHOA's own public documentation, not inference. Everything else on this page compares what CommunityPay has built against what PayHOA has publicly stated — where PayHOA hasn't published a claim, we say so rather than guess.
Vendor payments are check-only
PayHOA's Payables module currently supports mailed or printed checks. ACH and virtual-card payments to vendors are listed as "on the roadmap" — not shipped.
Native ACH vendor payments, included
Vendor bills are paid by ACH directly from the association's own funds — no check to print or mail, no separate fee today, included in the flat platform rate.
Resale certificates via third-party handoff
PayHOA's resale documents run through a partnership with HomeWiseDocs, a separate platform. The transaction is handed off, not generated natively from PayHOA's own ledger data.
Resale certificates generated from live ledger data
Statute-mapped, SHA-256 hashed, generated directly from the association's own accounting records — no handoff to a separate vendor or platform.
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. PayHOA does not publish claims in this category, which is itself the point — it is not built around this problem.
| Feature | CommunityPay | PayHOA |
|---|---|---|
| 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 | No |
| Board read/write access to the ledger | Full ledger access, not a curated report | No |
| 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 | HomeWiseDocs (third-party) |
| Vendor ACH payments | Included, no additional fee | Check-only (roadmap: ACH) |
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 | PayHOA |
|---|---|---|
| CIRA-standard financial reporting | 30+ statements — balance sheet, changes in fund balances, budget-and-actual, RSI, cash flows by fund | No |
| 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 | No |
| Resident statement access | Available to all residents | Not published as a distinct capability |
| Full ledger read/write access for association & management company | Every entry itemized, no curated-report ceiling | No |
| 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 |
| 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 |
| CARIScore — community association risk index | 5-component, 0–100 score for lenders, insurers & buyers | No |
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 | PayHOA |
|---|---|---|
| Trust accounting, three-way reconciliation | Bank = GL = client, automated daily | No |
| Board approval workflow & separation of duties | Dollar-threshold approval tiers, treasurer/payer separation, self-approval controls | No |
| Vendor license, bond & insurance monitoring | Automated daily checks before a vendor gets paid | No |
| Fraud detection on payments | Velocity limits, pattern analysis | No |
| Two-factor authentication | Available on every account | Not independently verified from PayHOA's public documentation |