How to Collect Rent Online: Card, ACH, and Auto-Pay

Published 2026-06-24

Chasing checks is a tax on your time. Online rent collection gets you paid faster, on a schedule, with a clear record for taxes. Here's how to set it up.

Your payment options

  • ACH bank transfer — lowest fees; the best default for recurring rent.
  • Card — convenient for tenants, higher processing fees (often passed to the tenant).
  • Digital wallets — Apple Pay, for fast mobile payments inside an app.
  • Manual record — for tenants who still pay by Zelle, cash, check, Cash App, or Venmo, log it so your books stay complete.

Turn on auto-pay

The biggest win is auto-pay: the tenant authorizes a recurring charge once, and rent is collected automatically each month on the due date. On-time payment rates jump and you stop sending reminders. Pair it with automated late-fee rules for the exceptions.

Collecting rent in PropertyFolio

PropertyFolio collects rent online by card or ACH bank transfer (powered by Stripe), with Apple Pay in the iPhone app, recurring auto-pay by bank transfer, shareable payment links, and automatic late fees. The tenant fee is 3.5% + $0.30 on cards and 1% capped at $8.00 on bank transfers — and you can choose to absorb it instead of passing it on. Every payment flows straight into your property's budget and Schedule E tax report, and you can still record offline payments so nothing is missed.

Bottom line

Default to ACH, offer card for convenience, switch tenants to auto-pay, and let software track everything. You'll get paid on time and have clean books at tax time.

Collect rent online with PropertyFolio — free to start.