Reminders before rent is due
Partial payments and retries
Autopay pulls rent from a tenant's bank account automatically each time it is due, so there is nothing to remember on the 1st. It runs on a bank account the tenant links once with Plaid — no card details to re-enter every month. As the landlord you enable rent collection; the tenant links their own bank and authorizes the recurring pull, since it is their money moving.
Autopay is optional. With it off, a tenant can still pay each period on demand through the in-app flow (card or US bank account, processed by Stripe), and can turn autopay on or off anytime from the same Bank accounts screen.
The tenant goes to Settings → Bank accounts and links a bank with Plaid.
They set that account as the default.
They toggle "Autopay rent" on.
From then on rent is pulled automatically on each due date, with an email confirmation for every pull.
Reminders before rent is due
Whether or not autopay is on, Aptoria handles the nudging so you do not have to chase anyone. Reminders go out ahead of the due date and continue if a balance remains unpaid, escalating in tone as time passes.
The follow-ups are disciplined, not relentless: they are rate-limited, respect quiet hours, and stop automatically after a few attempts so a struggling tenant is never chased endlessly. Any message that would touch a legal collections line stays inside those guardrails.
Partial payments and retries
A tenant who cannot cover the full amount can still pay part of what is owed. Aptoria records the partial payment against the period and keeps the remaining balance open and visible, rather than rejecting the whole thing — so a good-faith partial payment is never lost.
When an automatic pull is returned, the system does not hammer the account indefinitely. It retries on a measured schedule and, after a few failed attempts, stops auto-retrying and hands the situation to you instead of guessing.
Bank payments can be returned — insufficient funds, a closed account, a decline. When that happens Aptoria marks the payment late, notifies the tenant that the pull did not go through, and follows up over the next several days so they can pay another way.
A returned payment can also carry an NSF (returned-payment) fee. Aptoria does not apply that fee on its own — it surfaces it to you to approve or dismiss in the queue. And a hard reversal, like a chargeback or an ACH return, deactivates the standing autopay authorization so nothing keeps re-pulling against a closed or disputed account until the tenant re-links.