Automate processes for bigger rewards.

Manage rental payments and reconciliation

direct debit

When developing solutions for the property sector, a driving factor is growing revenue rather than chasing rent payments and arrears. Automation that simplifies financial processes, saves time and improves cash flow is a top priority. Find out how your property platform can benefit from Moonova’s all-in-one payments platform:

  • Automated rental payment transactions including split payouts and refunds
  • Improved cash flow with real-time processing
  • Custom reconciliation rules for rental collections
  • Flexible payment options for renters, including PayTo
  • Automated notifications and payment reconciliation
  • A single-point solution that integrates with existing systems
  • Reduced dishonours with PayTo

Accept more payment rails.

All your payment types under one roof

Automated

Building your own payment gateway means integrating with multiple suppliers for each payment type. Monoova brings them all together, including cards, BPAY, Direct Debit, and even the new NPP payment rails.

Offer more payment options in your technology platform for greater end-user payment experiences.

The best part? All payments, in and out, transacted through Monoova are automatically reconciled as they happen, saving your finance team days to weeks of work every month.

With streamlined reconciliation workflows and notifications, mispayments are caught immediately instead of weeks later.

Complex split payouts to multiple vendors, property owners, and other suppliers are easily sent and reconciled with Monoova.

Improved cash flow and better customer experience

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Benefits for your customers

  1. Automated reconciliation and real-time notifications that allow you to spot payment errors instantly
  2. Custom reconciliation rules to automate mispayment corrections
  3. Manage payouts for landlords and vendors, and return of funds

Benefits for end users

  1. Greater control over payment preferences
  2. Avoidance of overdraft fees in the event of insufficient funds when PayTo is used

Use custom rules for payments and fees.

Pay vendors and landlords on their terms

Secure transactions,

With the Monoova API, money moves smarter and faster.

The system is purpose built to handle varied and complex transactions that are common in the property management sector. One plumber may have seven-day terms while another wants a monthly settlement. It's easy to accommodate these preferences with a combination of manual payments and custom rules to manage regular disbursements.

Similarly, recurring bills, service charges and variable fees can be set to be automatically deducted before payments are passed on to landlords.

Get ready for the end of BECS.

Stay ahead of technology changes

Fixed|variable billing

The retirement of the Bulk Electronic Clearing System (BECS) is scheduled for 2030. Prepare yourself and your customers by offering the new NPP rails ahead of time.

Monoova is the most experienced PayTo provider in Australia. As well as being more secure and convenient for renters, PayTo helps improve your cash flow, thanks to real-time payment processing.

Since deploying Monoova services on our Hero product, we saw in the first month an 11% increase in transaction volume through the platform. That volume of transactions simply wouldn't have existed on our platform without these services."
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Headshot of Christiaan Lok from  Rello

Christiaan Lok

CTO

Process all types of rental payments

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Direct Debit
Cards
PayTo
BPAY
Transaction fee (per transactions)  

*Fixed costs may be applicable additionally
≤$0.25
≤1.5% + $0.25
≤$0.40
≤$0.40
Speed to transact 
2 business days with Monoova
Up to 3 business days
Instant
Up to 4 business days
Type of payment 
Pull
Pull
Pull
Push
Recurring and subscription payments 
x
Real-time settlement of funds for merchants 
x
x
x
Under and over payment reconciliation with Monoova’s API
Real-time account validation (source account information) 
x
partially
Reduces dishonours, disputes and fraud 
x
x

Keep landlords and tenants happy.

Improve the rental experience

comprehensive payment solution

Happy tenants mean happy landlords. Improve renters’ customer experience by offering more payment choices and satisfy landlords with instant payouts. When rental payments are scheduled via PayTo, the system checks the payer’s bank account for sufficient funds before the deduction, rather than after it is attempted.


And for your business, PayTo offers instant settlement 24/7 and low transaction fees.

Look forward to improved productivity.

Get started with effortless rental payments and payouts

on time, every time

Take the first step towards a better experience for your property management finance team with simplified and automated processes through an all-in-one payments platform.


Look forward to improved cash flow thanks to real-time rental collection notifications and automatic reconciliation. Get back to building the business instead of spending time on admin.

More ways to make money move®

make money move™

PayTo

Real-time, data-rich payments on NPP rails.

PayTo

Real-time, data-rich payments on NPP rails.

Direct debit

Recurring and subscription pull payments.

Personalised service and a single solution that connects you with speed and automation 24/7/365.

Monoova is your partner to make money move®
White-glove service|single point solution|make money move™

The latest news

news

How Payroo Are Making Payroll Easier for Aussie Businesses

Thiya Reddy, Founder and CEO at Payroo, shares how they're enabling automated payroll payments for their customers, supported by Monoova's APIs.

Two Years On: How PayTo Has Transformed Wagepay’s Payment Experience

Since launching PayTo, Wagepay has seen impressive results. Now close to two-thirds of their users now have active PayTo agreements to manage their repayments with increasing uptake from their customer base which highlights the growing appetite among consumers for real-time, data-rich payment options. By integrating PayTo, Wagepay has been able to improve their user experience through fast payments while also gaining operational efficiencies through better payment visibility, real-time settlement and instant reconciliation.

Monoova Takes Home Two Wins at the 2025 Finnies Awards

Monoova have won two awards at the 9th Annual Finnies 2025 - Best Innovation in Payments and Excellence in Industry Collaboration & Partnerships. It's the 2nd year in a row that we've won Best Innovation in Payments (previously named Excellence in Payments), a testament to our continous innovation in the payments space and the impact it has across the ecosystem and various industries. Hosted by Fintech Australia, The Finnie Awards celebrate the best of Australian FinTech, recognising the innovation, impact, and achievement of the sector.

Remittance industry trends for 2025-2026

Remittance is growing, innovating, and evolving. Check out the biggest trends for the remittance industry approaching 2026.

*Disclaimer: To the extent that the information contained above is sourced from third parties or provides link to third party websites, Monoova takes no responsibility for the accuracy, currency, reliability and correctness of any information included in the material provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including internet sites) operated by third parties. You may read our PDS/FSG for more information.