Rent in your bank,
on the 1st. Every time.
Stripe-powered ACH and card processing. Auto-pay your tenants love, late fees that enforce themselves, and a ledger that updates in real time. Stripe processing fees are split fairly between you and the tenant, no markup from us.
May rent collected
$0
On-time rate
0%
Sarah Jenkins
221 Maple, 4B / Autopay
$2,400
Marcus Lee
88 Oak, 2A / Autopay
$1,950
Michael Ross
3 days late / +$50 fee applied
$1,850
Priya Vance
412 Pine, 1C / Autopay
$2,100
Auto-deposited
to ****6411 / 7:14 AM
From invoice to your bank, automated.
Every step a property manager used to do by hand, now runs itself. Click any node to see what happens.
Invoice and reminders
Smartlord.ai generates the rent invoice and sends a friendly SMS plus email reminder. Tenants stage funds before the due date, no chasing required.
Stripe pulls payment
If autopay is on, Stripe triggers the ACH pull or card charge. Instant digital receipt to the tenant. Failed pull? Auto-retry plus an SMS to fix it.
ACH clearing and ledger sync
ACH payments take 2 to 3 days to clear. While clearing, your ledger marks the transaction "Processing", so your cash flow view stays accurate without manual bookkeeping.
Direct payout to your bank
Funds land in your business account. Ledger flips to "Cleared" and the transaction is logged for tax season. You did not lift a finger.
12 months of rent.
One glance.
The dashboard tracks every dollar in real time and groups it by month, by unit, and by tenant. Hover any bar to see what cleared, what's processing, and what's still outstanding.
Trailing 12 months
$0
Avg on-time rate
0.4%
Monthly rent collected
May 2025 to April 2026
Tenants set it once, you stop chasing.
Your tenants link a bank or card in 90 seconds, opt into autopay, and forget about rent. Behind the scenes, Smartlord.ai stages the charge, retries on failure, and posts a digital receipt the moment funds clear.
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Smart retry on failure Insufficient funds? We retry once at 24h and once at 72h. Each retry pings the tenant by SMS so they can fix the underlying issue.
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Receipts on every payment Tenants get an instant PDF receipt on email and inside their portal. Great for renters reporting rent to credit bureaus.
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Partial payments allowed Tenants in a tight month can split their rent. The ledger tracks the balance and applies late-fee rules only when the lease says it should.
Autopay Pipeline
ACH batch in flight
12 of 14 tenants
Settled to Stripe
$26,400
expected to clear in 48h
Sarah Jenkins
Cleared / 7:12 AM
Marcus Lee
Processing / settles 5/3
Riley Park
NSF, retry queued for 5/4
Auto-action: Riley got an SMS at 7:14. Retry fires in 24h. If it fails again, late fee is queued per the lease.
Stop being
the bad guy.
Set your grace period and fee structure once. Smartlord.ai enforces it on every late tenant the same way, every month. No awkward texts. No "did you forget?" emails. The rule is the rule.
Lease-aware, state-compliant
The engine reads the late-fee clause from the lease and caps the fee at the state-statutory limit (10% in CA, 12% in TX, etc.) so you never charge more than the law allows.
Late Fee Rules
Auto-applied this month: Michael Ross, $50 fee added on day 6. SMS notice sent. Ledger entry created with the lease clause cited.
Drag the slider. See your fee.
No guessing. Find the exact processing fee for any rent amount.
$5.00
0.8% capped at $5, split 50/50
$29.30
1.45% + 30¢, landlord caps at $5
$58.30
2.9% + 30¢, landlord caps at $5
Win-win split. ACH fees are shared 50/50. On cards, you cap your share at $5 and the tenant covers the rest. No markup from Smartlord.ai, only the actual Stripe fee passed through.
Two ways in. Stripe fees split fairly.
Most landlords pick ACH for monthly rent and card for application fees. Both move through Stripe's bank-grade rails, and both share the processing fee with the tenant on a fair split.
ACH Bank Transfer
Best for monthly rent
- Fee: 0.8% capped at $5.00 per transaction. Set by Stripe, split 50/50 with the tenant.
- Setup: Tenants link instantly through tokenized bank onboarding. Banks not on the instant-link network use micro-deposits, 1 to 2 days.
- Best for: Recurring monthly rent. The 50/50 split keeps autopay attractive without leaving you to absorb the whole cost.
On a $2,000 rent payment
$5.00 fee
Credit / Debit Card
Best for one-off fees
- Fee: 2.9% plus 30¢ per transaction. You cap your share at $5, the tenant covers the rest.
- Setup: Tenant types card details in the portal. Instant verification, instant settlement to your Stripe balance.
- Best for: Application fees, deposits, emergencies. Your $5 cap keeps card-paying tenants in reach without giving up the whole fee to them.
On a $2,000 rent payment
$58.30 fee
Win-win by default. ACH fees split 50/50, card fees capped at $5 on your side. Smartlord.ai adds zero markup.
Bank-grade money movement.
Smartlord.ai never sees raw routing or account numbers. All sensitive financial data is tokenized and held inside Stripe's PCI-DSS Level 1 vault.
PCI-DSS Level 1
Stripe-handled
Tokenized accounts
No raw routing #s stored
Stripe Connect KYC
Onboard in 5 minutes
Refunds in 1 click
Full or partial
A copy-paste pitch for your tenants.
Most tenants switch the moment they see "no more checks". Here's exactly what hits their phone.
Upgrade to our new secure payment portal
Hi [Tenant Name],
To make paying rent easier and more secure, we are upgrading our property management to Smartlord.ai.
You will receive an invite link shortly. Once you log in, you can securely link your bank account through our tokenized onboarding (the same bank-grade flow used by major payment apps). We highly recommend turning on Auto-Pay so you never have to worry about missing a deadline or paying late fees.
The system also includes a portal where you can submit maintenance requests directly from your phone, store your renter's insurance, and access your signed lease.
Let me know if you have any questions.
Best,
[Your Name / Company]
Tenants say yes when the ask is one tap.
Smartlord.ai drafts this email in your voice. Most landlords paste it straight into Gmail. You stay in control, edit before you send.
Rent collection questions
How do tenants pay rent through Smartlord.ai?
Are there fees on rent that I collect?
How fast does rent reach my account?
Can I configure late fees automatically?
Can rent be split between multiple tenants?
Stop chasing checks.
Stop spreadsheets.
Move every tenant to autopay this month. Your ledger updates itself, late fees enforce themselves, and the only processing fees are Stripe's, split fairly with the tenant.
Free to start. No card required. Upgrade anytime.