Automated Rent Collection.
Bank-to-Bank. Zero Cards.
Direct Debit mandates and Instant Bank Pay, built natively into Rentalize. Collect rent, deposits, and ad-hoc invoices across the UK and Ireland with lower fees and fewer failed payments.
Pay
Bank
Bank
From Setup to First Collection in 4 Steps
Property managers connect once. Tenants authorise once. Rent collects automatically every month.
Connect Rentalize Pay
Enable Rentalize Pay in your Payment Settings. Select your environment and plan tier. Your GoCardless credentials are configured automatically.
Tenant Authorises Mandate
Tenant clicks "Set Up Direct Debit" in their portal. They're redirected to a secure hosted page to select their bank and authorise the mandate.
Rent Collects Automatically
Each billing cycle, Rentalize Pay creates a payment against the active mandate. The tenant's bank account is debited automatically. The invoice auto-marks as paid.
Funds Arrive in Your Account
Funds are paid out to your bank account on a rolling schedule. Every event is tracked and reconciled in real time.
What Rentalize Pay Gives Your Platform
Every feature is integrated end-to-end, from tenant onboarding through to reconciliation. No CSV exports, no manual matching.
Direct Debit Mandates
Tenants authorise a mandate once via a secure hosted page. Rent is then collected automatically each month. No card expiry, no manual chasing. Supports Bacs (UK) and SEPA Core (Ireland/EU).
Bacs SEPAInstant Bank Pay
One-off payments settled in seconds via Faster Payments (GBP) or SEPA Instant Credit Transfer (EUR). Perfect for deposits, ad-hoc invoices, and arrears.
Instant SettlementCombined Deposit + Mandate Flow
Collect the deposit via Instant Bank Pay and set up the recurring Direct Debit mandate in a single redirect. One SCA challenge, two outcomes.
IBP DD MandateAutomated Monthly Collection
Rentalize's billing engine creates payments against stored mandates each month. Idempotent, de-duplicated, and fully reconciled. Invoices move to "paid" automatically on webhook confirmation.
Real-Time Webhook Reconciliation
Every payment event (confirmed, failed, charged back, paid out) is received via HMAC-signed webhooks and reconciled against your invoices in real time. No end-of-day batch.
Mandate Lifecycle Management
Full mandate state tracking: created, submitted, active, expired, cancelled, reinstated. Status changes sync automatically via webhooks so you always know which tenants can be billed.
Three Flows, Every Scenario Covered
Whether it's a one-off deposit, a recurring mandate, or both at once.
Instant Bank Pay
One-off payments, deposits, arrearsDirect Debit Mandate
Recurring monthly rent collectionDeposit + Mandate Combo
Onboarding: one redirect, two outcomesSupported Payment Schemes
Bank-to-bank coverage across the UK, Ireland, and the EU, with global expansion built in.
| Currency | Direct Debit Scheme | Instant Bank Pay Scheme | Region |
|---|---|---|---|
| GBP | bacs | faster_payments | United Kingdom |
| EUR | sepa_core | sepa_instant | Ireland, EU/EEA |
| AUD | becs | pay_to | Australia |
| USD | ach | — | United States |
| SEK | autogiro | — | Sweden |
| CAD | pad | — | Canada |
Bank-Grade Security, Built In
HMAC-SHA256 Webhooks
Every incoming webhook is signature-verified against your stored secret. No event is processed without cryptographic proof of origin.
Encrypted Credentials
Access tokens and webhook secrets are encrypted at rest. Credentials are never exposed in logs or UI.
Multi-Tenant Isolation
Each company has its own credentials, creditor ID, and webhook endpoint. Complete data isolation between organisations.
SCA Compliant
All payment flows use secure hosted pages with native SCA/3DS. Strong Customer Authentication handled at the payment layer, not in your app.
Idempotent Payments
Duplicate payment prevention built in. The system checks for existing pending or complete payments before creating new ones.
Role-Based Permissions
Granular permissions per role: admins manage settings, employees view mandates, tenants authorise their own. Eight dedicated permissions.
Rentalize Pay vs. Other Payment Methods
How Rentalize Pay stacks up against card processors, bank transfers, and direct banking in Ireland and the UK.
| Feature | Rentalize Pay | Stripe | AIB Direct Debit | Bank of Ireland | Revolut Business |
|---|---|---|---|---|---|
| Automatic Rent Collection | ✓ UK + Ireland | PartialIreland only | ✓ Ireland only | ✓ Ireland only | ✗ Not available |
| Instant One-Off Payments | ✓ Bank transfer, instant | ✗ Card payments only | ✗ Not available | ✗ Not available | PartialManual bank transfer |
| Collect Deposit + Set Up DD Together | ✓ One step for tenant | ✗ Two separate steps | ✗ Paper forms needed | ✗ Paper forms needed | ✗ Not possible |
| Transaction Fees | 1-2%, max €4Capped so big rents stay cheap | 1.4-2.9% + 25cNo cap, adds up fast | Low flat fee~€0.20-€0.50 each | Low flat fee~€0.20-€0.50 each | Free tier limitsThen €0.20 per transfer |
| Works With Your Software | ✓ Fully automaticBuilt into Rentalize | ✓ Fully automatic | ✗ Manual file uploads | ✗ Manual file uploads | PartialNo direct debit support |
| Payments Match Automatically | ✓ Instant, automatic | ✓ Automatic | ✗ You match them manually | ✗ You match them manually | ✗ Manual |
| Auto-Retries Failed Payments | ✓ Smart retry built in | ✓ Smart retry built in | ✗ You chase it yourself | ✗ You chase it yourself | ✗ N/A |
| UK + Ireland Coverage | ✓ Both, one setup | PartialCards in both, DD Ireland only | Ireland only | Ireland only | ✓ BothBut no direct debit |
Real Fees on a Real Rent Payment
€1,500 / month rent
The difference isn't marginal. Over a year with 50 units, Rentalize Pay saves thousands compared to card-based processors, and eliminates the manual overhead of bank Direct Debit.
Calculate Your Savings with Rentalize Pay
Adjust the sliders to match your portfolio. See exactly what you'd pay with Rentalize Pay versus Stripe Cards and traditional bank Direct Debit.
Per Year
Accuracy
Avoided Per Year
vs. Bank DD
50 Units × €1,500/month = 600 Transactions/year
Here's what you'd actually pay each provider.
No Bacs, No IBP
Automated Rent Collection is Almost Here
Rentalize Pay is in final development. Book a demo to be among the first to enable bank-to-bank rent collection.
Book a Demo