For housing associations, property managers, and private landlords, collecting rent and service charges can be a challenge. Missed payments, arrears chasing, and manual reconciliation cost time and money — while handling card details over the phone exposes organisations to unnecessary compliance risks.

SOTpay and SOTpay Connect provide a secure, PCI DSS compliant way to collect rent, deposits, and service charges. Whether you manage thousands of tenants or a handful of HMO properties, our platform makes recurring collections simple, reduces arrears, and protects sensitive data.

Why Housing Providers Choose SOTpay

·         Direct Debit & Recurring Payments
 Automate regular rent collection — monthly, weekly, or custom schedules — reducing missed payments and improving cash flow.

·         Multichannel Tenant Payments
 Allow tenants to pay rent, deposits, or arrears by SMS, email, WhatsApp, or web link — removing friction and increasing completion rates.

·         Fraud & Chargeback Protection
 With 3-D Secure authentication, liability for fraudulent transactions sits with the bank, not the housing provider.

·         Deposit Collection Made Easy
 Collect secure deposits upfront for new tenancies, protecting your property and finances.

·         Lower Transaction Fees
 Open Banking and alternative rails help reduce card processing costs, maximising funds for reinvestment.

·         PCI DSS Compliance Without Burden
 Sensitive data never enters your systems, taking rent collection teams out of PCI scope and cutting compliance costs.

The Added Value of SOTpay Connect

·         Open Banking Support
 Tenants can pay directly from their bank accounts in real time, with lower costs and faster settlement than card payments.

·         Marketplace Integrations
 Seamless plugins for Xero, QuickBooks, Sage, and housing management CRMs simplify reconciliation.

·         Recurring Payment Automation
 Ideal for housing associations managing large tenant bases, or private landlords running HMOs, student lets, or serviced properties.

·         Arrears Recovery
 Send a secure link instantly to tenants in arrears via SMS, email or WhatsApp — payments clear without manual chasing.

Real-World Applications

·         Housing Associations: Automate weekly rent collection for thousands of tenants, reduce arrears, and integrate with accounting tools.

·         Private Landlords: Collect deposits upfront and set up recurring Direct Debits for HMOs or student accommodation.

·         Property Managers: Manage service charges and maintenance fees securely across multiple properties.

How It Works

1.      A rent or deposit request is triggered in SOTpay.

2.      Tenant receives a branded payment link via SMS, email, or WhatsApp.

3.      Tenant pays securely using card or Open Banking — without sharing details over the phone.

4.      With SOTpay Connect, payments reconcile automatically into your accounting or housing management system.

FAQs

Can tenants pay rent automatically?
 Yes. SOTpay Connect supports Direct Debit and recurring payment schedules for reliable collections.

Do I need a payment terminal?
 No. Payments are made via secure links, reducing hardware and PCI DSS requirements.

What if tenants don’t have access to online banking?
 Links can be paid by card, ensuring accessibility for all.

Does it integrate with housing systems?
 Yes. SOTpay Connect offers plugins for popular CRMs and accounting platforms.

Can it help with arrears recovery?
 Yes. Payment links can be sent directly to tenants in arrears, simplifying collections.

Secure Rent Collection with Confidence

From major housing associations to private landlords, SOTpay and SOTpay Connect simplify rent collection, reduce arrears, and protect tenant payments. Collect deposits, rents, and service charges securely — without compliance risk.