CasaPay
CasaPay is a London-based, PSD2-authorised fintech operating RentLink, an embedded rent-payment and tenant-verification platform for build-to-rent, multifamily, co-living, and student-housing operators across the UK and 14 EU markets, monetising via transaction fees and guarantee premiums.
- Company typePrivate
- Founded2023
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What CasaPay does
CasaPay is a London-headquartered fintech (founded 2023) operating an embedded rent-payment and tenant-verification platform purpose-built for property rental operators rather than adapted from e-commerce. Its core product, RentLink, is a modular system that bundles KYC identity verification, income checks via Open Banking, deposit handling (five-week cash escrow or 2%-of-deposit no-deposit cover), rent collection with first-of-month payment logic, debt recovery across a 183-country licensed collector network, and rent guarantee (Basic 1%/month or Plus 2%/month, backed by CasaPay Capital). Operators access RentLink through four creation paths — Operator Portal, existing workflow, Alias AI email intake, or API/embedded integration — with pre-built connections to 30+ PMS and accounting platforms (Yardi, MRI, RealPage, Buildium, AppFolio, Entrata, Xero, QuickBooks, Sage, NetSuite) plus a Zapier connector and custom AI Gateway build for unlisted stacks. Tenant-facing features include a reusable identity profile (CasaPay ID), Tenant Wallet, a 5-star Tenant Score based on payment history, plus pipeline features for split payments (CasaPay Split, CasaPay Share), no-deposit cover, and upcoming add-ons (Pay-in-2, Pet Coverage, Liability Coverage, Premium Payments). A dual legal-entity structure (CasaPay Ltd UK and CasaPay OÜ Estonia) supports PSD2-authorised operations across the UK and 14 EU markets.
The business model is transaction-based at the operator tier — Starter is free for core rent collection, Pro charges 1.5% of rent moved, and Premium charges 2.5% — with additional recurring revenue from guarantee cover (1–2% per month) and tenant no-deposit fees (2% of deposit amount monthly). Revenue share economics apply for PMS white-label partnerships rather than referral fees, aligning CasaPay with platform partners. The GTM motion is hybrid: product-led self-serve for SMB and solo operators via the free Starter tier, sales-assisted for enterprise portfolios (5,000+ units) with implementation under 14 days, and channel-led via PMS integrations. CasaPay targets build-to-rent and multifamily operators as the primary segment, with co-living, student/corporate housing, and single-family portfolios at scale as secondary verticals, alongside a tenant end-consumer base accessing optional add-ons.
CasaPay claims operational outcomes of 42% faster lease conversion versus legacy payment stacks, a 99.4% tenant on-time payment rate, 3-minute median time to verified applicant, 11.4-second auto-approval for eligible identities, and a 92% net recovery rate across its global collections network. The company is privately held with no public funding totals disclosed; headcount is listed as 1–10 and leadership includes CEO Risto Klausen and co-founder Rasmus Klärck. Compliance posture is built around PSD2 authorisation, GDPR/UK GDPR data handling, TDP/DPS-compliant deposit protection, and Right to Rent verification, positioning CasaPay as a regulated payment institution rather than a software-only layer.
CasaPay firmographics
Firmographics- Name
- CasaPay
- Legal name
- CasaPay Ltd
- Website
- https://casapay.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CasaPay is a London-based, PSD2-authorised fintech operating RentLink, an embedded rent-payment and tenant-verification platform for build-to-rent, multifamily, co-living, and student-housing operators across the UK and 14 EU markets, monetising via transaction fees and guarantee premiums.
- Ownership category
- akta.pro rank
CasaPay industry classification
Industry- Product category
- Property Management Fintech / Embedded Rent Payments
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Residential Property Managers (531311)
- SIC
- Finance Lessors (6172), Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Residential Rental Brokerage & Tenant Placement (BPAJAAAF)
- akta.pro secondary industry
- Rent-to-Own (RTO) Consumer Leasing (FSAKANAE)
Keywords
Where CasaPay is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
CasaPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Operator SaaS Subscription (Transaction Fee): Tiered percentage of rent moved through platform. Starter: free (core collection). Pro: 1.5% of rent moved (verification, no-deposit options, integrations, guarantee). Premium: 2.5% of rent moved (predictable payout timing, risk controls, portfolio automation). Enterprise: custom volume-based take rates.
- Rent Guarantee Cover: Monthly guarantee fees from operators. Basic tier: 1% per month with +30 day payout delay. Plus tier: 2% per month with payout on due date. Additional coverage terms available (3 months +0.5%, 6 months +1%).
- Tenant No-Deposit Option: 2% of deposit amount charged monthly to tenants who opt for no-deposit cover. Tenant-optional add-on, market availability and eligibility dependent. Premium payment methods also carry applicable fees shown before payment.
- Integration and API Services: AI Gateway skill and connector work for non-pre-integrated PMS, accounting, or operations stacks included at no extra cost. Revenue share model for PMS provider white-label partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Free core rent collection for operators |
| Transaction based/ take rate | Pay-as-you-go | 1.5% of rent moved with verification and guarantee modules |
| Transaction based/ take rate | Pay-as-you-go | 2.5% of rent moved with on-time payout and portfolio automation |
| Other | Multi-year contract | Custom pricing for large portfolios and platforms |
| Freemium | Pay-as-you-go | Free tenant base services |
| Subscription | Monthly | 2% of deposit amount per month for no-deposit option |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels7 records
CasaPay product offering
Product offeringCore offering
CasaPay sells RentLink, an embedded rent payments platform built exclusively for residential rental operators. It bundles tenant KYC/identity verification, income/affordability checks, deposit handling (cash escrow or no-deposit cover), recurring rent collection and reconciliation, debt recovery across 183 countries, and rent guarantee into a single hosted link or API. Operators access the platform via a self-serve portal or via pre-built integrations with 30+ property management and accounting systems, paying tiered transaction fees on rent moved plus optional monthly guarantee and no-deposit cover charges.
Product overview
CasaPay offers RentLink, a modular embedded payment platform purpose-built for rental operators. The core RentLink system comprises six integrated modules: KYC (identity verification), Income (affordability checks), Deposit (escrow or no-deposit cover), Payments (rent collection and reconciliation), Recovery (debt collection), and Guarantee (rent insurance). These modules operate together through a single hosted link or API, with optional add-ons including Alias (AI invoice parsing), CasaPay ID (reusable tenant profiles), Tenant Wallet (account management), CasaPay Split (instalment payments), CasaPay Share (co-payer payments), and Tenant Score (payment history tracking). Operators access workflows via the Operator Portal while tenants use the Tenant Portal for payments and verification. Pricing tiers are Starter (free core collection), Pro (1.5% of rent moved with verification and guarantee), and Premium (2.5% with on-time payout controls).
Differentiator
Problem solved
Functional benefit
Brands
- RentLink: Embedded rent payments solution for property operators, featuring KYC, income verification, deposit options, payments, recovery, and guarantee modules.
Products and services
- RentLink CasaPay's flagship embedded rent payments platform for residential rental operators. Combines tenant KYC, income verification, deposit handling (cash escrow or no-deposit cover), recurring rent collection, debt recovery across 183 countries, and rent guarantee into a single hosted link or typed REST API with webhook events. Targets build-to-rent, multifamily, co-living, student housing, and large single-family portfolio operators in the UK and 14 EU markets.
- Alias (AI Invoice Parser) AI-powered email and document intake channel that reads PDFs, HEIC images, and scanned documents in 41 languages, identifies charges, and auto-posts them to the correct tenant ledger with a full audit trail, then creates a tenant-ready RentLink. For operators not yet integrated via API.
- CasaPay ID Reusable tenant identity profile allowing tenants to verify once and reuse their CasaPay-verified identity across multiple eligible rent actions and workflows.
- Tenant Wallet Tenant-facing account interface for viewing rent requests, payment history, verification steps, and available payment options, with built-in dispute initiation and automatic payment hold during review.
- No-Deposit Option Optional tenant add-on that lets eligible tenants move in without paying the full cash deposit upfront, charged at 2% of the deposit amount per month. Requires identity and income verification and provides operator-side cover up to an approved Cover Amount.
- Tenant Score 5-star payment history rating (0.0 to 5.0) based on the average of the last 6 confirmed payments. Influences Cover Amount adjustments, Split eligibility, and rental application outcomes.
- Operator Portal Web-based self-serve dashboard at op.casapay.com where property operators can create RentLinks, verify tenants, manage rent collection, and view real-time portfolio delinquency, payout status, and applicant pipeline without requiring a full PMS integration.
- Tenant Portal Tenant-facing web portal at tnt.casapay.com that lets tenants pay rent, complete identity verification, manage payment history, and access CasaPay-issued payment links sent by their operator.
- RentLink Pricing Plans (Starter / Pro / Premium / Enterprise) Tiered operator SaaS subscriptions priced as a percentage of rent moved through the platform: Starter (free core collection), Pro (1.5% of rent moved with verification, no-deposit, integrations, and basic guarantee), Premium (2.5% with on-time payout timing, rent-on-time guaranteed leases, risk controls, and portfolio automation), and Enterprise (custom volume-based take rates with dedicated implementation, SLA, and security review).
- Rent Guarantee Cover (Basic / Plus) Rent guarantee product with two operator-paid monthly tiers: Basic (1%/month, +30 day payout, reactive auto-detection) and Plus (2%/month, on-due-date payout, proactive coverage). Both are backed by CasaPay Capital, which assumes the collection risk.
Quantifiable outcome
- 42% faster lease conversion vs legacy payment stack
- +5 more outcomes
Companies that use CasaPay
Customer profileNamed customers9 records
Segments6 records
Ideal customer profiles4 records
CasaPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration38 records
AI capability5 records
Feature9 records
CasaPay partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- YardicorePre-integrated PMS connection for rent workflow automation. Part of 30+ PMS integrations available for RentLink-ready accounting flows.
- MRI SoftwarecorePre-integrated PMS connection for automated rent collection and tenant verification workflows.
- RealPagecorePre-integrated PMS for rent workflow automation and payment processing through RentLink.
- BuildiumcorePre-integrated property management integration for automated rent workflows.
- AppFoliocorePre-integrated PMS for property operator rent collection and tenant management.
- EntratacorePre-integrated property management system for automated rent payment workflows.
- XerocorePre-integrated accounting platform connection for rent workflow and financial reconciliation.
- QuickBookscorePre-integrated accounting integration for rent payment reconciliation and financial reporting.
- SagecorePre-integrated accounting platform for rent workflow and operator financial management.
- NetSuitecorePre-integrated ERP connection for enterprise rent workflow and financial integration.
- ZapiercoreIntegration platform for no-code customer workflow automation connecting CasaPay with 5,000+ apps.
- DiditcoreIdentity verification provider used for tenant KYC including name, ID documents, and selfie verification.
- LHV PaymentscorePayment processing partner handling transaction data for rent payments (not stored by CasaPay).
- YapilycoreOpen Banking connectivity provider for income verification and Pay by Bank functionality.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
CasaPay competitors and assessment
Company assessmentDirect peers
- Jetty: Jetty is a US-based direct competitor offering deposit alternatives, renters insurance, and rent guarantee products for property operators and tenants. Comparable in vertical focus on rental financial services and consumer-facing deposit cover.
- Rhino: Rhino is a direct competitor providing deposit alternatives and surety bonds for residential renters in the US market. Comparable in addressing the high upfront deposit cost problem CasaPay's No-Deposit Cover solves.
- TheGuarantors: TheGuarantors is a direct competitor offering rent guarantee and security deposit replacement products to residential landlords and operators. Comparable in rent guarantee underwriting and operator coverage products.
- Payrent: Payrent is a US rent payment platform for tenants and property managers, enabling online rent collection, reporting, and screening. Comparable in vertical specialization on rental payment workflows.
Broad incumbents
- GoCardless: GoCardless is a UK-based direct debit payment platform widely used by property operators for rent collection across Europe. Comparable as a horizontal recurring payment provider serving the rental vertical.
- Plaid: Plaid is a broad Open Banking connectivity provider used globally for income verification and bank account linking. Comparable as infrastructure CasaPay relies on (via Yapily in EU) and as a potential in-house alternative.
- Stripe: Stripe is a horizontal PSP that competes for rental payment volume via its payment APIs. Comparable as a broad incumbent cited by CasaPay as a competitor that lacks tenancy-specific primitives.
- Adyen: Adyen is a major global PSP providing payment processing across multiple verticals including real estate. Comparable as a broad incumbent with the scale and engineering resources to enter the rental vertical.
Emerging players
- Rental Heroes: Rental Heroes is an emerging rent payment platform focused on the European market with comparable landlord-facing payment and tenant verification features.
- Canopy: Canopy is an emerging rent reporting and tenant screening platform that builds rental payment history into credit profiles. Comparable as a rental-focused fintech serving operators and tenants.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CasaPay social profiles
Digital presenceCasaPay compliance and trust
Trust signalCompliance6 records
CasaPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
CasaPay leadership team
Management profileNumber of profiles
Profiles2 records
CasaPay funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CasaPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CasaPay
What does CasaPay do?
CasaPay sells RentLink, an embedded rent payments platform built exclusively for residential rental operators. It bundles tenant KYC/identity verification, income/affordability checks, deposit handling (cash escrow or no-deposit cover), recurring rent collection and reconciliation, debt recovery across 183 countries, and rent guarantee into a single hosted link or API. Operators access the platform via a self-serve portal or via pre-built integrations with 30+ property management and accounting systems, paying tiered transaction fees on rent moved plus optional monthly guarantee and no-deposit cover charges.
Is CasaPay a public or private company?
CasaPay is a private company. It is classified as unknown and is currently operating.
When was CasaPay founded?
CasaPay was founded in 2023. It employs 1 to 10 people.
Where is CasaPay based?
CasaPay is headquartered in London, United Kingdom, in the Europe region.
How does CasaPay make money?
Four revenue lines are on record. Operator SaaS Subscription (Transaction Fee) is the primary driver. The others are rent Guarantee Cover, tenant No-Deposit Option and integration and API Services.
Who are CasaPay's main competitors?
Direct peers on record are Jetty, Rhino, TheGuarantors and Payrent. Broad incumbents are GoCardless, Plaid, Stripe and Adyen. Emerging players are Rental Heroes and Canopy.
Does CasaPay have an API?
Yes. CasaPay offers a typed REST API with webhook stream for portfolio operators on in-house systems. Implementation timeline is under 14 days for portfolios up to 5,000 units. The API enables programmatic RentLink creation, status updates, and webhook events. Developer documentation and integration support are handled by the CasaPay team, with access requested via signup form. API-led integration routes are available for operators, PMS providers, and rental platforms through hosted RentLink flows. Developer documentation is at casapay.com/developers.
What industry is CasaPay in?
CasaPay's product category is Property Management Fintech / Embedded Rent Payments. Its primary akta.pro industry code is BPAJAAAF, Residential Rental Brokerage & Tenant Placement, with a secondary code of FSAKANAE, Rent-to-Own (RTO) Consumer Leasing. Its NAICS code is 522310 and its SIC code is 6172.