Payments and finance platforms move money through the UK property lifecycle: rent collection and reconciliation, client accounts, deposit protection and alternatives, service charge collection, and embedded credit products for tenants, landlords and agents.
Every profile below is curated by the PropAtlas research team. Use the compare toggle on any card to build a side-by-side shortlist of up to three payments & finance platforms.
Coadjute is a distributed data network that connects agents, conveyancers, lenders and buyers to speed up property transactions.
Goodlord digitises the lettings process end-to-end — referencing, contracts, payments, deposits and insurance — for UK letting agents.
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Property management software with integrated rent accounting, online payment gateways, and tenant tracking.
P2P property financing platform connecting property developers with private institutional/retail investors.
Canopy helps renters build a Rent Passport and credit history while giving agents pre-verified tenants and reduced void times.
Digital mortgage lender platform enabling joint equity and family booster payments to help first-time buyers access property.
Digital mortgage broker and home financing platform replacing traditional paper-based mortgage applications.
Property finance and banking platform designed for landlords to automate rent tracking, income/expense management, and tax prep.
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Bank-integrated automated payment engine designed for real estate agents to handle automated rental collection, split payments, and landlord payouts.
Relocation platform providing digital corporate mobility software that automates international employee rent payments, deposits, and housing budgets.
Open banking payment gateway built specifically for the real estate sector to automate rent collections, arrears tracking, and low-cost Direct Debit alternatives.
Rental onboarding software automating background checks, deposit setups, and instant rent disbursement.
Tenancy deposit replacement tech platform facilitating fast digital coverage payments for tenants and landlords.
High-value payment and digital escrow platform tailored for property conveyancing and real estate deals.
Wayhome uses institutional capital to help renters buy shares of a home, backed by a tech-led operating platform.
FinTech real estate crowdfunding platform offering ethically aligned and Sharia-compliant property investment options.
Collecting money is straightforward; matching it to the right tenancy, split and landlord statement is not. Judge platforms on automatic match rate and how unmatched items are cleared, because that determines how much finance-team time you actually save.
Agents holding client money need CMP scheme membership and segregated accounts. Payment services, credit and insurance-based products are FCA-regulated, so confirm which entity holds the permission and how your firm is covered — as principal, appointed representative or introducer.
Open banking payments settle faster with no chargeback exposure and lower fees, but require tenant action each time unless set up as a variable recurring payment. Direct debit is passive but slower to settle and reversible. Most UK agents run both.
| Criterion | What to check |
|---|---|
| Auto-match rate | Proportion of receipts reconciled without manual work. |
| Regulatory cover | Who holds FCA permissions and how you are covered. |
| Settlement speed | Time from tenant payment to landlord funds available. |
| Failure handling | Retries, arrears escalation and payment plans. |
| Total cost | Per-transaction fees plus platform and chargeback costs. |
The right platform depends on whether you need full client accounting or only collection. Agents holding client money need segregated accounts and reconciliation; landlords collecting directly can use a lighter open banking or direct debit product.
Deposit replacement products are permitted, but under the Tenant Fees Act the tenant must be offered a genuine choice between a traditional deposit and the alternative, and the product must be clearly explained.
Open banking payments settle quickly, avoid card fees and chargebacks, and can carry a reference that makes automatic reconciliation far more reliable than bank transfers typed by tenants.
Agent-focused platforms support segregated client accounts and reporting aligned to CMP scheme requirements. Confirm the arrangement in writing, as responsibility for compliance stays with the agent.
Referencing, tenancy, and lettings CRM stacks.
End-to-end platforms for managing residential and commercial portfolios.
Digital conveyancing, e-signing, ID/AML and sales-progression platforms for UK property transactions.
AVMs, surveying tech, mortgage origination and lender workflow tools for UK residential and commercial lending.
