Payment Providers
Connecting online payment services
Connect payment providers to accept online rent payments from tenants and enable automatic payment collection.
Supported Providers
| Provider | Best For | Payment Methods |
|---|---|---|
| Stripe | International, EU, US | Cards, ACH, SEPA, Apple Pay |
| Tpay | Poland | Cards, BLIK, Polish bank transfers |
Polish landlords: Tpay offers lower fees and local payment methods like BLIK. International landlords: Stripe provides broader coverage and currency support.
Connecting Stripe
Go to Settings
Navigate to Settings → Payments in your dashboard.
Click Connect Stripe
Click the Connect Stripe button to begin setup.
Authorize Access
You'll be redirected to Stripe. Log in or create a new Stripe account.
Complete Onboarding
Follow Stripe's onboarding:
- Business or individual information
- Bank account for payouts
- Identity verification
- Tax information
Return to Rentigo
Once complete, you're redirected back with your account connected.
Stripe Requirements
- Stripe account (Standard or Express)
- Verified identity
- Bank account for payouts
- Tax information on file
- Business in a supported country
Complete all Stripe verification steps to avoid payment delays. Incomplete accounts may have funds held.
Stripe Payment Methods
With Stripe connected, tenants can pay using:
| Method | Availability | Processing Time |
|---|---|---|
| Credit/Debit Cards | Global | Instant |
| ACH Bank Transfer | US only | 3-5 business days |
| SEPA Bank Transfer | EU only | 2-3 business days |
| Apple Pay | Where available | Instant |
| Google Pay | Where available | Instant |
Connecting Tpay
Go to Settings
Navigate to Settings → Payments in your dashboard.
Click Connect Tpay
Click the Connect Tpay button.
Create or Log In
You'll be redirected to Tpay. Create an account or log in.
Complete Verification
Provide:
- Business registration (NIP)
- Bank account details
- Identity verification
Return to Rentigo
Once approved, your Tpay account is connected.
Tpay Requirements
- Polish business registration (NIP) or individual
- Polish bank account
- Identity verification
- Tpay account approval (usually 1-2 business days)
Tpay approval may take 1-2 business days for new accounts. Plan ahead before you need to collect the first payment.
Tpay Payment Methods
With Tpay connected, tenants can pay using:
| Method | Description | Processing Time |
|---|---|---|
| BLIK | Polish mobile payment | Instant |
| Bank Transfer | Direct from Polish banks | Instant to 1 day |
| Cards | Visa, Mastercard | Instant |
| Pay-by-link | Bank login payment | Instant |
BLIK is extremely popular in Poland. Tenants simply enter a 6-digit code from their banking app — no card details needed.
Payout Schedule
Funds from tenant payments are transferred to your bank:
| Provider | Method | Typical Timing |
|---|---|---|
| Stripe | Cards | 2 business days |
| Stripe | ACH/SEPA | 4-7 business days |
| Tpay | All methods | 1-2 business days |
New accounts may have longer initial payout holds. This decreases as you build payment history.
Processing Fees
Stripe Fees
| Method | Fee |
|---|---|
| Cards (US) | 2.9% + $0.30 |
| Cards (EU) | 1.5% + €0.25 |
| Cards (UK) | 1.5% + £0.20 |
| ACH | 0.8% (max $5) |
| SEPA | 0.8% (max €5) |
Tpay Fees
| Method | Fee |
|---|---|
| Cards | ~1.5% |
| BLIK | ~0.8% |
| Bank Transfer | ~0.5% |
| Pay-by-link | ~0.5% |
Tpay generally offers lower fees for Polish transactions. Encourage tenants to use BLIK or bank transfers for the best rates.
Fee Handling
Configure who pays processing fees in Settings → Payments:
| Option | Effect |
|---|---|
| Landlord Absorbs | Fee deducted from your payout |
| Tenant Pays | Fee added to tenant's payment |
| Split 50/50 | Fee shared between both parties |
3D Secure (3DS)
For card payments in EU and UK, 3D Secure verification is required:
- During Setup — Tenant verifies with their bank's app
- Recurring Charges — Usually proceed without re-verification
- Failed Verification — Payment is declined, tenant must retry
3DS reduces fraud and chargebacks. It's automatically enabled where required.
Managing Connections
Viewing Status
In Settings → Payments, you can see:
- Connection status (active/not connected)
- Connected account email
- Last payout date and amount
- Total volume processed
Switching Providers
You can have both Stripe and Tpay connected. When enabling recurring payments or sending payment links, choose which provider to use.
Consider using Tpay for Polish properties and Stripe for international ones.
Disconnecting
To disconnect a payment provider:
- Go to Settings → Payments
- Click Disconnect next to the provider
- Confirm the disconnection
Disconnecting stops all automatic payments through that provider immediately. Ensure tenants have alternative payment methods.
Troubleshooting
Connection Failed
- Ensure you completed all verification steps
- Check that your provider account is in good standing
- Try disconnecting and reconnecting
- Contact the provider's support for account issues
Payments Not Appearing
- Payment processing takes a few minutes
- Check the provider dashboard for pending transactions
- Verify the tenant's payment method is valid
- Check for 3DS verification issues
Payout Delays
- New accounts may have extended hold periods
- Check provider dashboard for any alerts
- Ensure all verification is complete
- Contact provider support for payout-specific issues
Best Practices
- Connect Early — Set up before your first tenant needs to pay
- Complete Verification — Don't skip any steps
- Use Regional Providers — Tpay for Poland, Stripe elsewhere
- Monitor Both Dashboards — Check Rentigo and provider regularly
- Keep Records — Download periodic payment reports
Next Steps
- Recurring Payments — Set up automatic collection
- Rent Tracking — Manual payment management
- Analytics — View payment trends and collection rates