Property management payments that collect like clockwork
Keep your existing processors · Go live in under an hour
Orchestrate the processors you already use
- Stripe
- Adyen
- Authorize.net
- Airwallex
- Checkout.com
- Paysafe
- +18%Approval-rate uplift
- 99.99%Routing uptime
- 20+Processors supported
- <50msAutomatic failover
How it works
Orchestration in three moves
Connect once, route everything, and let fail over and recovery run on autopilot, so a single decline, freeze, or outage never costs you a rent payment, an application fee, or an owner disbursement cycle.
- 01 · Connect
Plug in every processor
Bring Stripe, Adyen, Authorize.net, and your high-risk acquirers under one unified API. Add or swap processors without touching your checkout.
- 02 · Route
Send each charge to its best home
Every transaction is routed by card brand, BIN, currency, amount, and live approval performance, landing on the processor most likely to say yes.
- 03 · Recover
Fail over and retry, automatically
If a processor declines, slows, or goes offline, the charge reroutes in milliseconds and retries on a backup, so the sale still closes.
The platform
See orchestration at work
From a single control surface to real-time routing and recovered revenue. Here’s what running on PaymentKit looks like.
One router, every processor
Connect Stripe, Adyen, Authorize.net, and your high-risk acquirers, then let PaymentKit route each charge to the one most likely to approve.
Every payment method, one checkout
Give customers cards, wallets, and BNPL (Apple Pay, Google Pay, Link, Klarna, PayPal), all orchestrated behind a single integration.
Grow and stabilize recurring revenue
For memberships, treatment packages, and product subscriptions, orchestration keeps renewals flowing and your monthly recurring revenue climbing, even when a single processor stumbles.
Recovery and churn, in real time
Track recovered revenue and churn across every processor from one dashboard, and see exactly what orchestration wins back.
Capabilities
Built for revenue that can’t afford to stop
Everything a property management company needs to keep approvals high and collections flowing, across every processor at once.
Universal PSP routing
One integration connects to any processor or acquirer. Direct traffic by rules you control, spread high-volume flows across accounts, or let live performance decide.
Zero-downtime failover
A processor outage or freeze no longer stops checkout. Traffic reroutes instantly to a healthy backup, with no customer-facing errors.
Cross-processor recovery
Soft declines get a second chance on a different processor, with retry timing tuned to historical success windows.
Approval-rate optimization
Routing learns which processor approves which customer profile, lifting authorization rates without you lifting a finger.
Fraud & chargeback shield
Chargeback protection with risk rules you set once and keep consistent across every processor: flag bad transactions while reliable tenants sail through.
Compliance & risk support
Guidance through underwriting and acceptable-use requirements so your accounts stay open and your billing descriptors stay recognizable to tenants and owners.
Implementation
Launch with or without code
Build routing in the dashboard, or wire it up with a few lines of API. Either way, you go live in under an hour.
No code
Drag-and-drop routing rules
Set processor priority and add conditions by card brand, BIN, currency, or amount, then toggle fail over: no deploys, no engineers.
Prebuilt checkout components
Drop in PSP-agnostic, PCI-compliant payment fields and let PaymentKit handle the routing behind them.
Yes code
Live performance dashboard
Watch approval rates, fail overs, and recovered declines per processor in real time, and adjust rules on the fly.
One-click processor connect
Add or remove acquirers from a single screen. New processors join your routing pool instantly.
Single processor vs. orchestration
Why one processor is a liability
- Account shutdownSingle processorRevenue stops deadPaymentKit orchestrationTraffic reroutes, sales continue
- Frozen fundsSingle processorCash held for weeksPaymentKit orchestrationVolume spread, exposure limited
- Soft declinesSingle processorLost at first noPaymentKit orchestrationRetried on a backup processor
- Approval rateSingle processorCapped by one providerPaymentKit orchestrationOptimized across all of them
- Processor outageSingle processorCheckout goes downPaymentKit orchestrationFail over in milliseconds
- Switching processorsSingle processorRe-integration projectPaymentKit orchestrationA config change, not a rebuild
Who we support
Orchestration for every property business model
From single-market managers to national portfolios, PaymentKit gives property businesses stable, multi-processor infrastructure built for month-end volume.
Residential property managers
Monthly rent collection on recurring billing built for high tickets, with adaptive retries recovering failed payments before day five.
HOAs & community associations
Dues, assessments, and amenity fees collected on schedules that keep associations funded without chasing checks.
Commercial landlords
High-value commercial rent routed to the acquirer most likely to approve large card-not-present charges.
Short-term rental operators
Bookings, deposits, and cleaning fees with fraud rules tuned to hospitality’s dispute patterns.
The problem
Why property management businesses lose revenue on a single processor
Property payments concentrate risk in two ways most industries never face. The first is ticket size: rent runs from four figures to five, and large card-not-present charges decline at elevated rates on any single processor, because issuers scrutinize big transactions hardest. The second is timing: a property manager’s entire month arrives in the first few days, exactly the volume spike pattern that trips velocity limits and automated reviews on an account underwritten against average, not peak, flow.
When something breaks in that window, the damage cascades. Failed rent payments trigger late fees and tenant disputes, owner disbursements slip, and trust-account reconciliation turns into a manual project. Chargebacks add their own drag: deposit disputes, move-out fee disagreements, and application-fee complaints all land on the card side, and a processor watching a rising ratio doesn’t distinguish a landlord-tenant dispute from fraud.
Common triggers that get property management companies flagged on a single processor:
- High-ticket rent charges declining under issuer scrutiny
- First-of-the-month volume spikes past underwritten limits
- Chargebacks over deposits, move-out fees, and application fees
- Billing descriptors tenants don’t connect to their building or manager
- Convenience-fee practices that violate card-network surcharging rules
- Owner-fund handling that blurs trust-accounting lines in underwriting review
Payment orchestration removes the fragility. Instead of betting the business on one provider staying happy, you distribute volume across several processors, so no single decision by a single processor can take you offline. Orchestration doesn’t replace good compliance. It protects you when a processor changes its mind anyway, and it keeps your risk and routing rules consistent whether you’re on one acquirer or six. That makes property management payment processing far more resilient than depending on a single merchant account.
Compliance & approval
What keeps property management merchant accounts stable
Acquirers that support property management expect clean operational practices before approving (and to keep approving) an account, and card networks add rules on fees and disclosures. Meeting these standards lowers chargeback risk and keeps collections smooth. With orchestration, you apply them once and carry them across every connected processor.
Website & policy basics
- Lease and fee terms disclosed before tenants pay online
- Clear refund and deposit-return policies published
- Any convenience or service fees disclosed per card-network rules
- Privacy policy, terms of service, and visible support contacts
Operational standards
- Owner funds and operating funds kept cleanly separated
- Billing descriptors tenants recognize at a glance
- Dispute documentation kept per unit: leases, notices, move-out records
- Fraud monitoring, 3DS, and PCI-compliant payment portals