Solution
Rent collected.
Every party paid.
Books reconciled automatically.
A pre-built embedded-finance workflow for property managers — virtual IBANs per property, automated splits and dedicated accounts for landlords, OMCs and tenants, all compliance-ready from day one.
Book a callThe challenge
What this sector deals with today.
Property managers handle money for dozens — sometimes hundreds — of parties at once: rent from tenants, management fees to the agency, net rent to landlords, service charges to OMCs and maintenance reserves across every property in the portfolio. Without a dedicated financial infrastructure, every payment needs manual matching, every split needs manual calculation, and client-money compliance requires evidence that has to be assembled by hand.
The result is a disproportionate operational load: teams spend hours each month chasing payment references, reconciling statements and preparing for audits — time that should go into managing properties and growing the portfolio.
Virtual IBANs · Pay-in
Every property gets its own IBAN. Rent arrives already reconciled.
At setup, a dedicated virtual IBAN is programmatically assigned to each property in your portfolio. When a tenant pays rent, the payment lands in the correct property account and identifies itself automatically — no manual matching, no reference chasing.
Virtual IBANs generated and assigned via API at property creation — or in bulk from the portal
Each inbound SEPA CT or SEPA Instant payment self-reconciles the moment it arrives
Late or missing payments are flagged in real time — no end-of-month sweep needed
Full transaction history per property, per tenant, available immediately to your team
Property IBANs — October
3 / 4 received14 Oak Street
IE29 PSCP 9311 0001
Tenant: T. Murphy
€1,850
Received22 Elm Avenue
IE29 PSCP 9311 0002
Tenant: S. O'Brien
€1,400
ReceivedBlock 7, Apt 3
IE29 PSCP 9311 0003
Tenant: J. Walsh
€1,200
PendingThe Mill, Unit 5
IE29 PSCP 9311 0004
Tenant: R. Connell
€2,100
ReceivedAll IBANs assigned at property setup · payments self-reconcile on arrival
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Rule-based splits · Pay-out
Commission, net rent and service charges split and paid automatically.
The moment rent lands, pre-configured split rules fire: your management fee flows to the agency account, net rent to the landlord, and service charges to the OMC reserve — all in real time, with every movement logged.
Split rules configured per landlord agreement — any percentage or fixed-fee structure
Splits execute instantly when the inbound payment clears, with no manual step
Each disbursement is a separate, auditable outbound transfer with its own reference
Rule changes are version-controlled — every historical split is traceable to the rule that applied
SEPA CT received
Rent · 14 Oak Street · T. Murphy
€1,850
Management fee
→ Agency operating account
€185
Net rent
→ Landlord account
€1,573
Service charge
→ OMC reserve account
€93
All splits completed · instant · audit trail created
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Account hierarchy · Accounts
Landlords, OMCs and tenants each get their own account.
Every party in your programme — management company, individual landlord, OMC/RMC/SDC, tenant — is issued their own payment account. Funds are logically segregated by party and purpose from the moment they arrive.
Agency operating account, client money account and OMC reserve all under one programme
Individual landlord accounts funded automatically by the split rule
OMC and service-charge reserves visible and separately reconciled
Consolidated view from programme total to individual property, drillable at every level
Programme accounts
LiveSample Property Co
Agency€12,450
Client account — Landlords
Client money€45,200
OMC / RMC reserve account
Service charge€8,300
Tenant accounts (24)
Funded on split
All accounts issued and funded automatically · client money segregated
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Onboarding · AML · Safeguarding
Every party onboarded, screened and evidenced — without friction.
Landlords, OMCs and management companies are onboarded through automated ID&V and KYB flows — sent by link, completed by the party, logged with a full audit trail. Ongoing monitoring runs continuously in the background.
Onboarding links sent by email or SMS — no manual data collection by your team
Automated ID&V for individuals, KYB for entities — screening results logged per party
Continuous AML monitoring on all accounts — alerts surfaced in the Control Cloud dashboard
Client money safeguarded with tier-1 credit institutions via our licensed EMI partners
Party onboarding
Party
Type
ID&V
KYB
Status
Sample Property Co
Agency✓✓ActiveJ. & M. Smith
Landlord✓—ActiveOMC Block 7
OMC——PendingR. Connell
Landlord✓—ActiveOnboarding link sent by email or SMS · all checks logged with audit evidence
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Zero manual reconciliation
Virtual IBANs reconcile every payment at source. Every pound or euro lands in the right account — automatically, with no spreadsheet or month-end process.
Every party paid on time
Split rules fire the moment rent clears. Landlords, OMCs and agencies receive their share in real time — no batches, no waiting.
Client-money compliance, evidenced
Every account, split and disbursement is recorded with its compliance context. Client money is safeguarded and reconciled daily — audit-ready at any point.
Finished, not building blocks.
This workflow arrives pre-configured and ready to run. The IBANs, split rules, account hierarchy, onboarding flows and compliance controls are all in place — not a kit to assemble, but a finished proposition you deploy.
Virtual IBANs at property setup
Assigned programmatically — one per property from day one
Reconciliation rule pre-configured
Payment → IBAN → property account, automatic and logged
Split rules ready to deploy
Management fee, net rent and service charge — configurable per landlord
Account structure pre-defined
Agency, landlord and OMC accounts, each with their own IBAN
Onboarding flow built in
ID&V and KYB by link — no manual data collection
Compliance controls live at launch
Screening, monitoring and audit trail — all active from day one
Compliance & evidence
Every property management capability runs under governed, audit-ready controls.
Payscape operates Control Cloud — our own governed compliance environment. We author, version-control, test and deploy every compliance rule ourselves; the configuration is never outsourced. Every account event, IBAN assignment, transfer and transaction is recorded with its compliance context — screening status, monitoring outcome and the version of the rule Payscape applied — so you can show your working to a regulator, auditor or investor at any point.
Payscape version-controls every rule — every change reviewed, approved and deployed by us
Audit trail per event — not just the transaction but the compliance decision
Safeguarding reconciled daily — client funds matched and confirmed automatically
Reporting out of the box — pre-built statements and extracts in standard formats
Customer monitoring
LiveCustomer
Screening
Risk
Acme Ltd
Clear
Jane Cooper
Clear
Sample Property Co
Review
Example Trading Ltd
Clear
Last refreshed: just now
4 customers · 1 under review
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Access
Two ways to work with Payscape.
Build on the APIs
Embed accounts, IBANs and payments directly into your own product. REST APIs, full sandbox, webhooks for every event — your users stay in your interface throughout.
Read the developer docsOperate from the portal
Run the whole programme from the Control Cloud portal — open accounts, send onboarding links, approve transfers and see consolidated balances across your entire book. No code required.
Request a demoFAQ
Common questions.
Most companies are live within four to six weeks from signed programme agreement. The first two weeks cover technical setup and portal configuration; weeks three and four are onboarding the first landlords and properties; weeks five and six handle go-live validation and any workflow adjustments. Payscape's programme team supports you throughout.
Both are fully supported. Many property managers start with the portal — issuing accounts, sending onboarding links and reviewing splits from the web interface — without writing a line of code. API integration can be added later to embed the workflow into your own property management software.
Control Cloud logs every account event — receipt, split and disbursement — with its compliance context: the rule version applied, the AML monitoring status and the safeguarding reconciliation. All of this is available as a report or API export, so you can respond to a Property Services Regulatory Authority (PSRA) inspection, an audit or a client query without assembling evidence manually.
Yes. Split rules are configured per property or per landlord agreement. You can have different management-fee percentages, different OMC structures and different service-charge rates in the same programme — each running independently and each producing its own audit trail.
Open a new revenue line,
built for your industry.
Talk to our team. We'll help you understand what's possible, what it takes to go live, and how to structure a programme that works for your business.