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Rentalize Pay
powered by GoCardless

Direct Debit and Instant Bank Pay.
Bank-to-Bank. No Card Fees.

Direct Debit mandates and Instant Bank Pay through GoCardless, built into Rentalize Core on Growth and above. Collect rent, deposits, and ad-hoc invoices across the UK and Ireland, with no card fees on bank-to-bank payments.

Rentalize
Pay
Tenant's
Bank
Landlord's
Bank
Direct Bank Transfer
Status Status
Bacs (UK/GBP) SEPA Core (EU/EUR) Instant Bank Pay Verified Mandates
Payments processed by GoCardless Bacs and SEPA Bank-Grade Security
How It Works

From Setup to First Collection in 4 Steps

Property managers connect once. Tenants authorise once. Every payment is matched to its invoice when GoCardless confirms it.

1

Connect Rentalize Pay

Turn on GoCardless under Settings, Payment Gateways, and paste in your GoCardless access token, creditor ID and webhook secret.

2

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.

3

Payments Match Automatically

Each payment collected through the tenant's mandate is matched to its invoice automatically when GoCardless confirms it, and the invoice is marked as paid.

4

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.

Capabilities

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. No card expiry. Supports Bacs (UK) and SEPA Core (Ireland/EU).

Bacs SEPA

Instant 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 Settlement

Combined 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 Mandate

Automatic Invoice Matching

Each payment collected through a stored mandate is matched to its invoice automatically. Idempotent and de-duplicated. 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.

Payment Flows

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, arrears
Invoice generated with "Pay Now" link via Rentalize Pay
Tenant redirected to secure payment page. Selects bank, completes SCA
Payment confirmed via Faster Payments or SEPA Instant
Invoice auto-reconciled as paid via webhook

Direct Debit Mandate

Mandate for rent payments
Tenant clicks "Set Up Direct Debit" in portal
Bank selected and mandate authorised on hosted page
Mandate stored as payment method (e.g. SEPA ****4821)
Each payment collected through the mandate is matched to its invoice

Deposit + Mandate Combo

Onboarding: one redirect, two outcomes
Tenant onboarding triggers combined billing request
Single secure hosted page. One SCA challenge
Deposit paid instantly via IBP, mandate set up for DD
Both events reconciled. Deposit invoice paid, mandate active
Coverage

Supported Payment Schemes

Bacs and Faster Payments in the UK; SEPA Core and SEPA Instant in Ireland and the EU.

Currency Direct Debit Scheme Instant Bank Pay Scheme Region
GBP bacs faster_payments United Kingdom
EUR sepa_core sepa_instant Ireland, EU/EEA
Security & Compliance

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

Only admins can change the GoCardless settings, and only the tenant can authorise their own mandate.

Comparison

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
Direct Debit Mandates ✓ 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 GoCardless feesCharged on your GoCardless account; check its current pricing 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 Via GoCardlessSuccess+, if enabled on your account ✓ 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
Why Rentalize Pay wins for rent collection: Traditional banks (AIB, BOI) offer direct debit but require paper forms, manual file uploads, and you matching every payment yourself. Stripe charges percentage fees that add up fast on large rents. Revolut has no direct debit at all. Rentalize Pay sets up Direct Debit mandates and Instant Bank Pay inside the platform, matches each payment to its invoice when GoCardless confirms it, and works across both Ireland and the UK, all built into the platform you already use.
Cost Breakdown

Illustrative Fees on One Rent Payment

€1,500 / month rent

An illustration on one rent payment, not a quote. GoCardless charges its own transaction fees on your GoCardless account; check its current pricing.

Rentalize Pay (GoCardless Direct Debit)
GoCardless fee, illustration (2%, capped at €4)€4.00
Per transaction (illustration)€4.00
GoCardless charges its own transaction fees on your GoCardless account; check its current pricing.
Stripe (Card Payment)
EU card rate (1.4% + €0.25)€21.25
Non-EU card rate (2.9% + €0.25)€43.75
Fee capNone
Monthly fee€0.00
Per transaction (EU card)€21.25
AIB Direct Debit
Originator setup fee€250+
Per DD transaction~€0.30
Monthly maintenance~€30
Unpaid/returned DD fee€5-€10
Per txn (excl. monthly)~€0.30
+ €250 setup, €30/mo maintenance, No API, Manual PAIN.008 files
Calculator

Calculate Your Savings with Rentalize Pay

Every figure below is an estimate from your own inputs, not a quote. It assumes GoCardless fees of 2% per payment capped at €4, Stripe's EU card rate of 1.4% plus €0.25, and the bank Direct Debit charges and staff times noted in each row. GoCardless charges its own transaction fees on your GoCardless account; check its current pricing.

Estimated GoCardless Fees €2,400
Estimated Stripe Card Fees €12,750
Estimated Bank DD Fees €790
Estimated Bank DD Staff Cost €1,666
Estimated Annual GoCardless Fees
€2,400
€4.00 per transaction · 600 transactions/year
Rentalize Pay
Transaction fees €2,400
Staff time Automated
Reconciliation Automated
Failed payment retry Via GoCardless Success+
Estimated Annual Cost €2,400
Stripe Cards
Transaction fees €12,750
Staff time Automated
Reconciliation Webhooks
Card expiry churn €420
Estimated Annual Cost €13,170
Bank Direct Debit
Transaction fees €790
Staff time (manual) €1,666
Reconciliation Manual CSV
Mandate failures (paper) €50
Estimated Annual Cost €2,506
60
Estimated Staff Hours
Saved Per Year
600
Payments
Per Year
39
Estimated Bank DD
Errors Per Year
€106
Estimated Saving
vs. Bank DD
Annual Cost

50 Units × €1,500/month = 600 Transactions/year

Here's what you'd actually pay each provider.

Rentalize Pay DD
€1,200
€2 × 600 txns
Stripe SEPA DD
€210
€0.35 × 600 txns
No Bacs, No IBP
Stripe Cards (EU)
€12,750
€21.25 × 600 txns
AIB Direct Debit
€790
€0.30 × 600 + €30/mo + €250 setup
Bank of Ireland DD
€650
€0.25 × 600 + €25/mo + €200 setup
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Live Now

Direct Debit and Instant Bank Pay, Live in Rentalize

Rentalize Pay is live on the Growth plan and above. Book a demo and we will show you bank-to-bank rent collection on your own tenancies.

Book a Demo
OUR PRODUCTS

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The Rentalize platform and Talia, your AI colleague, built for Irish and UK housing providers.

Reporting and Analytics

45+ reports on every plan, predictive cash flow, and RTB, BER and rent-cap compliance reporting built in.

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Talia, AI Colleague

The AI colleague built into every Rentalize Core plan. It answers from your live portfolio data and your own knowledge base, and drafts emails and tasks.

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Rentalize Core

Full property management for property management companies, letting agents and housing bodies in Ireland and the UK.

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