> ## Documentation Index
> Fetch the complete documentation index at: https://docs.unitefoundation.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Accept Online Rent Payments Using Payment Gateways

> Connect Stripe or Plaid to PropManager so tenants can pay rent by credit card, debit card, or ACH bank transfer — all tracked in your dashboard.

Before tenants can pay rent online through PropManager, you need to connect at least one payment gateway. A payment gateway is the secure service that moves money from your tenant's bank account or card to yours. PropManager supports leading payment gateways including Stripe for card payments and Plaid for ACH bank transfers, and you can run both at the same time.

## Supported Gateways

<CardGroup cols={2}>
  <Card title="Stripe" icon="stripe">
    Accept credit and debit card payments. Funds are deposited to your linked bank account on a rolling 2-day payout schedule.
  </Card>

  <Card title="Plaid (ACH)" icon="building-columns">
    Accept direct bank-to-bank ACH transfers. Lower per-transaction fees make this ideal for monthly rent collection.
  </Card>
</CardGroup>

## Connect Stripe

Stripe enables tenants to pay rent using any major credit or debit card. Complete the steps below to connect your Stripe account to PropManager.

<Warning>
  Stripe requires identity verification before it releases payouts to your bank account. Have your government-issued ID and business details ready during setup. Payouts remain on hold until verification is complete, which typically takes 1–2 business days.
</Warning>

<Steps>
  <Step title="Open Payment Gateway Settings">
    In your PropManager dashboard, go to **Settings > Integrations > Payment Gateways**.
  </Step>

  <Step title="Click Connect Stripe">
    Find the Stripe card and click **Connect Stripe**. You'll be redirected to Stripe's secure onboarding flow.
  </Step>

  <Step title="Log In or Create a Stripe Account">
    Sign in to your existing Stripe account, or create a new one if you don't have one yet. Stripe accounts are free to create.
  </Step>

  <Step title="Authorize PropManager">
    Review the permissions PropManager is requesting — these allow PropManager to create payment links and receive payout confirmations on your behalf. Click **Authorize access** to continue.
  </Step>

  <Step title="Stripe Is Connected">
    You'll be redirected back to PropManager. Stripe will appear as **Connected** in your Payment Gateways settings. Tenants can now pay rent by credit or debit card from their tenant portal.
  </Step>
</Steps>

## Connect Plaid (ACH)

Plaid powers ACH bank transfers, letting tenants pay rent directly from their checking or savings account. ACH transactions typically settle within 3–5 business days.

<Steps>
  <Step title="Open Payment Gateway Settings">
    In your PropManager dashboard, go to **Settings > Integrations > Payment Gateways**.
  </Step>

  <Step title="Click Connect Plaid">
    Find the Plaid card and click **Connect Plaid**. The Plaid Link window will open as an overlay.
  </Step>

  <Step title="Authenticate Your Bank Account">
    Follow the Plaid Link flow to search for your bank, sign in with your online banking credentials, and select the account where rent payments should be deposited. Plaid uses bank-level encryption throughout this process.
  </Step>

  <Step title="ACH Payments Are Enabled">
    Once your bank account is verified, Plaid will appear as **Connected** in your Payment Gateways settings. Tenants can now select bank transfer as a payment method in their tenant portal.
  </Step>
</Steps>

## Payment Fees

Processing fees apply to every transaction and are set by the payment gateway, not PropManager. The rates below reflect standard published pricing and may vary based on your gateway account terms.

| Gateway | Payment Method      | Fee                                                                     |
| ------- | ------------------- | ----------------------------------------------------------------------- |
| Stripe  | Credit / Debit Card | 2.9% + \$0.30 per transaction (standard rate)                           |
| Plaid   | ACH Bank Transfer   | Low flat fee per transaction — see your Plaid account for current rates |

<Note>
  By default, processing fees are deducted from your payout (i.e., charged to you as the landlord). If you'd prefer to pass fees on to your tenants, go to **Settings > Payments > Fee Handling** and select **Pass fees to tenant**. Tenants will see the fee itemized at checkout before they confirm payment.
</Note>

<Tip>
  Connect both Stripe and Plaid to give tenants the flexibility to choose their preferred payment method. Tenants who pay by ACH bank transfer typically have lower return-payment rates, while card payments settle faster. Offering both options tends to improve on-time payment rates overall.
</Tip>