ACCOUNTING.
COMPLIANCE. GOVERNANCE.

The system of record for financial risk governance

CommunityPay is the system of record for community association financial risk governance — enterprise accounting, audit-grade compliance, and enforceable governance infrastructure.
One platform. One truth. Every transaction enforced before it posts.
Built for boards and professionals who take fiduciary duty seriously.

Why HOAs Move to CommunityPay

Most HOA problems aren't operational—they're systemic.

Fragmented Status Quo System of Record
Spreadsheets no one trusts Single auditable ledger
Payments split across vendors Payments + records unified
Board turnover erases history Permanent institutional memory
Errors surface too late Issues visible in real time
No reliable audit trail or accountability Permanent audit trails with assigned responsibility

Every improvement above is enforced by a permanent, auditable ledger—not manual process.

SERVICES
System-Generated HOA Deliverables

Generated automatically because CommunityPay is your system of record.

ALSO BUILT ON THIS ENGINE
Standalone Products Powered by the Same Infrastructure

Same JournalEngine, enforcement guards, and bank reconciliation — separate product surfaces for specialized use cases. All included under one subscription.

Professional Managers · Attorneys · Escrow Officers · Title Officers · CDFIs · Lenders


PAYMENTS & POSTING LAYER

Automate Dues Collection & Records

Dues, fees, and rents are collected and posted directly to the ledger—ensuring that every transaction is recorded accurately, on time, and without manual intervention.

Payments and records remain permanently linked within the system of record, reducing operational overhead while preserving auditability and financial control.

View interface
Resident Payment Ledger Posting Approval & Audit Statement Export

ACCOUNTING & LEDGER LAYER

Detailed Budgeting & Reports

Financial activity is recorded directly to the ledger, with income, expenses, and fund allocations permanently linked to supporting records.

Statements, reports, and board packets are generated from the same source of truth—ensuring accuracy, auditability, and compliance while supporting ongoing budgeting and long-term financial planning.

View interface
Transactions Fund Allocation Report Generation Board Packet

GOVERNANCE & RESPONSIBILITY LAYER

Governance & Accountability

Roles, responsibilities, and approvals are assigned directly within the system—ensuring governance workflows are routed to the appropriate parties and permanently recorded within an auditable system of record.

As board members transition, records, permissions, and historical context remain with the community—not the individual—preserving continuity and institutional memory.

Secure resident access and payment portals included.

View interface
Role Assignment Responsibilities Alerts & Reminders Institutional Memory
DECISION PROVENANCE
Every entry passes through the same point.
The dispatcher decides. The decision is immutable. The statute it depended on is pinned to it.
Transaction Request JournalEngine single posting interface Enforcement Dispatcher mandatory choke point GUARD CHAIN · 14 ACTIVE · NO SHORT-CIRCUIT balance period fund subledger vendor + 9 more ALLOW log + persist BLOCK log + reject OVERRIDE log + persist + audit EnforcementDecision IMMUTABLE · APPEND-ONLY Signal snapshot — guards, signals at decision time Legal authority — statute · snapshot content_hash

Every transaction enters the JournalEngine. The dispatcher runs the full guard chain — no short-circuiting. The outcome forks three ways, and the EnforcementDecision is sealed with both the signal state and the statute snapshot it relied on. Years later, the entry can still be reconstructed.

PLATFORM ARCHITECTURE
How CommunityPay connects your community
Board · Administrators CommunityPay Banking · Ledger · Compliance Members · Auditors · Insurers
View Full Architecture
Design Rationale & Concepts — the principles behind the platform.
Go deeper
Pricing | Product Comparison | API
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