Rentalize Core
End-to-end social, affordable, and cost rental management for AHBs and councils.
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Rentalize Pay
powered by GoCardless
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.
Rentalize
Pay
Pay
Tenant's
Bank
Bank
Landlord's
Bank
Bank
Direct Bank Transfer
Status
Status
Bacs (UK/GBP)
SEPA Core (EU/EUR)
Instant Bank Pay
Verified Mandates
FCA Regulated
85,000+ Businesses
30+ Countries
Bank-Grade Security
How It Works
From Setup to First Collection in 4 Steps
Property managers connect once. Tenants authorise once. Rent collects automatically every month.
1
Connect Rentalize Pay
Enable Rentalize Pay in your Payment Settings. Select your environment and plan tier. Your GoCardless credentials are configured automatically.
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
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.
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. 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.
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, arrearsInvoice 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
Recurring monthly rent collectionTenant clicks "Set Up Direct Debit" in portal
Bank selected and mandate authorised on hosted page
Mandate stored as payment method (e.g. SEPA ****4821)
Monthly rent auto-collected against mandate each cycle
Deposit + Mandate Combo
Onboarding: one redirect, two outcomesTenant 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
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 |
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
Granular permissions per role: admins manage settings, employees view mandates, tenants authorise their own. Eight dedicated permissions.
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 |
|---|---|---|---|---|---|
| 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 |
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 is the only option that collects rent automatically, matches payments for you, retries failures, and works across both Ireland and the UK, all built into the platform you already use.
Cost Breakdown
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.
Rentalize Pay (Direct Debit)
Transaction fee (2% capped)€2.00
Cap applied (max €4)Under cap ✓
Monthly fee€0.00
Mandate setup€0.00
Per transaction€2.00
Saves €244/yr per unit vs. Stripe Cards
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
Adjust the sliders to match your portfolio. See exactly what you'd pay with Rentalize Pay versus Stripe Cards and traditional bank Direct Debit.
Rentalize Pay Fee
€1,200
Stripe Cards Fee
€12,750
Bank DD Fee
€790
Bank DD Hidden Staff Cost
€8,736
Your Annual Cost with Rentalize Pay
€1,200
€2.00 per transaction · 600 transactions/year
Rentalize Pay
Transaction fees
€1,200
Staff time
Automated
Reconciliation
Automated
Error rate
<0.5%
Failed payment recovery
Success+
True Annual Cost
€1,200
Stripe Cards
Transaction fees
€12,750
Staff time
Automated
Reconciliation
Webhooks
Error rate
~2-5%
Card expiry churn
€3,825
True Annual Cost
€16,575
Bank Direct Debit
Transaction fees
€790
Staff time (manual)
€8,736
Reconciliation
Manual CSV
Error rate
~5-8%
Mandate failures (paper)
€500
True Annual Cost
€10,026
312
Staff Hours Saved
Per Year
Per Year
99.5%
Reconciliation
Accuracy
Accuracy
30-48
Bank DD Errors
Avoided Per Year
Avoided Per Year
€8,826
Total Savings
vs. Bank DD
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
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
Coming Soon
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