CoPayee vs Iink: AI does the chasing. No 1% fee.
Iink charges 1% of every mortgage-company-payable claim — that’s how their human-managed follow-up service is funded. CoPayee uses AI instead: tireless, instant, and free. For a contractor doing $300K/month in claims, you keep $30,000+/year.
Honest disclosure:Iink has direct digital endorsement with mortgage servicers — we don’t yet (coming Q3 2026). For now, you mail the endorsed paper check the same way you do today. Everything else is at parity or better.
The 1% fee math
Iink’s “capped 1%” fee on mortgage checks is the killer.
Their subscription looks reasonable. The 1% per-check fee is where they really make money — and where you bleed at scale.
Real math: contractor doing $300K/month in mortgage-company claims
Iink Premium plan
- Subscription
- $375/mo
- Per-check overage (50 included)
- $0
- 1% on $300K mortgage checks
- $3,000/mo
- Monthly total
- $3,375
- Annual
- $40,500
CoPayee Scale plan
- Subscription
- $499/mo
- Per-claim overage (50 included)
- $0
- Mortgage-check fee
- $0
- Monthly total
- $499
- Annual
- $5,988
Annual savings: $34,512
Same workflow. No 1% fee. That’s a hire, a truck, or a year of insurance.
Calculate your savings
How much would you save?
Plug in your monthly volume to see your real cost difference.
Most contractors see 70–90%. Iink’s 1% fee only applies to these checks.
Iink Plus
$2,625
/ month
- Subscription
- $225
- 1% mortgage fee
- $2,400
CoPayee Pro
$199
/ month
- Subscription
- $199
- Mortgage fee
- $0
Iink prices verified from iink.com/pricing. CoPayee prices from /pricing. Calculator estimates assume the most appropriate tier for your monthly volume.
Plan-by-plan comparison
| Volume | Iink | CoPayee |
|---|---|---|
| Entry plan | Basic $45/mo 2 checks/mo + $22.50 each over | Starter Free 1 claim, lifetime |
| Solo / small shop | Essential $96/mo 8 checks/mo + $12 each over | Pro $199/mo 15 claims/mo + $25 each over |
| Mid-size shop | Plus $225/mo 25 checks/mo + $9 each over | Pro $199/mo 15 claims/mo + $25 each over |
| High-volume | Premium $375/mo 50 checks/mo + $7.50 each over | Scale $499/mo 50 claims/mo + $15 each over |
Iink also charges 1% (capped) per mortgage-company-payable check. CoPayee does not.
Feature comparison
We’re honest where Iink is ahead. Three features are coming Q3 2026.
Pricing
| Feature | Iink | CoPayee |
|---|---|---|
| Monthly subscription | $45–$375/mo | $0–$499/mo |
| Per-check overage fee | $7.50–$22.50/check | $15–$25/claim |
| 1% fee on mortgage-company checks On a $300K monthly claim volume, this alone is $3,000/mo with Iink. | Yes (capped 1%) | None |
| Free tier for verified pros | — | 1 claim, lifetime |
| Homeowner DIY option | — | $49 one-time |
AI & document automation
| Feature | Iink | CoPayee |
|---|---|---|
| AI check OCR (Claude Vision) | Basic | Yes |
| AI estimate extraction (auto-fill claim data) | — | Yes |
| Mortgage servicer auto-detection | Yes | Yes (47 servicers) |
| Servicer-specific packet generation | Limited | Yes |
| AI claim assistant (chat) | — | Yes |
Endorsement workflow
| Feature | Iink | CoPayee |
|---|---|---|
| E-signature for homeowner / contractor / payees | Yes | Yes |
| SMS/email invite links | Yes | Yes |
| Audit trail (timestamp, IP, user-agent) | Yes | Yes |
| Servicer digital endorsement integration Iink has 7+ years of relationship-building with servicers. We don't. In the meantime, CoPayee generates the exact paper packet your servicer requires. | Yes (their main feature) | Coming Q3 2026 |
| Mobile remote check deposit (RDC) | Yes | Coming Q3 2026 |
| ACH payout to contractor account | Yes | Coming Q3 2026 |
Follow-up & coordination
| Feature | Iink | CoPayee |
|---|---|---|
| Servicer follow-up handling Iink Pro includes humans who chase the servicer for you — included in their 1% fee. CoPayee uses AI to do the same job: every claim gets an automatic next-action recommendation, draft email, or phone script. Tireless. Instant. No 1% cut. | Human-managed (Iink Pro tier) | AI Status Coach (free, unlimited) |
| Automatic stalled-claim detection | Human-monitored | Daily AI scan |
| AI-drafted follow-up emails | — | Yes |
| AI-generated phone scripts | — | Yes |
| Send follow-up email from the platform | Yes | Yes |
| AI parses inbound servicer email/letter Paste any servicer correspondence. AI extracts missing documents, deadlines, inspection dates, and disbursement info — auto-updates the claim. | — | Yes |
| AI voice agent calls the servicer AI agent dials the loss draft team, identifies as authorized rep, asks for status, returns a summarized transcript. Pay-as-you-go (~$0.50/call) instead of 1% of claim. | — | Yes (BYO Vapi) |
Servicer coverage
| Feature | Iink | CoPayee |
|---|---|---|
| Mortgage servicer directory | Top servicers | 47 servicers + subservicers |
| Servicer-specific forms pre-loaded | Some | All 47 |
| Authorized representative / POA generator | — | Yes (every servicer) |
| State-specific guidance | — | Yes (5 states) |
Team & workflow
| Feature | Iink | CoPayee |
|---|---|---|
| Multi-user accounts | Yes | Yes (3–unlimited) |
| Claim pipeline dashboard | Yes | Yes |
| CSV export | Yes | Yes |
| White-label invite emails | Limited | Yes (Scale plan) |
| Daily digest email | — | Yes |
Where Iink is ahead — and what we’re doing about it
Honesty is more useful than marketing.
Iink has direct mortgage servicer integration for digital endorsement.
That’s 7 years of relationship-building. We don’t have it yet. Coming Q3 2026. In the meantime, CoPayee generates the exact paper packet your servicer requires — and we cover 47 servicers (more than Iink).
Iink has mobile remote check deposit and ACH payouts.
We’re building this on Stripe Treasury and Mitek. Coming Q3 2026. For now, you mail the check after the servicer endorses — same as you do today.
Iink has a longer track record.
Founded 2017, billions processed. We’re newer. But we’ve already verified loss draft contact info for 47 servicers from official sources, with quarterly re-verification — something no other directory does.
Run the math. Switch in 5 minutes.
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