Now in private beta with our first cohort · Join the waitlist for the next intake →
In private beta with our first cohort

Collect rent by open banking. Without the friction.

RecuraFlow lets landlords and letting agencies collect rent over open banking — paid instantly, reconciled the moment it lands, with automatic reminders and no manual transfers. It’s the front door to one open-banking platform for the whole tenancy.

Join the waitlist → See the dashboards

RecuraFlow runs on open banking through an FCA-authorised payment provider — bank-grade security, no card details.

COLLECTED TODAY
£48,250
ARREARS RATE
1.2%
RecuraFlow — Payments · 26 May
218 collected 36 awaiting approval 3 exceptions
Expected
£312,400
Collected
£298,900
JMJ. Mensah · Flat 4£1,150 ✓
SRS. Reyes · 12 Hill Rd£995 ✓
AKA. Khan · Unit 7B£1,420 ✓

Built on trusted UK payment rails

● Open banking · Faster Payments
Why collect rent by open banking

Standing orders get forgotten. Open banking makes rent effortless.

A standing order is set up by the tenant, for a fixed amount, and easily forgotten. RecuraFlow sends the right amount each month, reminds them, and confirms the instant it is paid — so far less slips through.

Fewer arrears

Each month we send your tenant a request for the right amount; they approve it in one tap in their banking app. With automatic reminders, "I forgot to set up the transfer" stops happening.

No more chasing

No month-end ritual of checking bank feeds and sending reminder texts. Payment requests go out on schedule and the exceptions list shows only what genuinely needs you.

Automatic reconciliation

Every payment is matched to the right tenancy the moment it clears. No spreadsheets, no guessing which transfer belongs to whom.

Missed payments chased

If a payment isn't approved, RecuraFlow sends a reminder to approve again and flags it early — so a one-off miss never quietly becomes three months of arrears.

Tenants kept informed

Payment requests and receipts go out automatically by WhatsApp, email or SMS. Tenants always know what's due and when.

Bank-grade security

Tenants approve in their own banking app, with the security they already use every day. No card or account numbers are shared and you never see their login — open banking is bank-grade secure.

Built for the real lettings market

Whole properties, HMOs, multi-unit blocks. All handled.

Most rent-collection tools only really work for single tenancies on whole properties. RecuraFlow handles the lettings configurations agencies and portfolio landlords actually have — without workarounds, dummy tenancies, or off-platform spreadsheets.

Houses and flats let as a single tenancy

The standard case — one agreement, one collection schedule, joint tenancies handled cleanly.

HMOs with rooms let separately

Each room has its own tenancy, its own rent and its own payment schedule. Licence details captured at the property level.

Multi-unit buildings with self-contained flats

Converted houses, small blocks, mixed-use buildings. Each unit handled as its own let with full reporting at the property and tenancy level.

Mid-month starts handled correctly

When a tenant moves in part-way through the month, the part-period charge is calculated automatically and collected separately from the regular schedule.

Bank transfers vs RecuraFlow

Standing orders & transfers

Tenant-controlled

Tenant can cancel or change it without telling you
Missed payments only surface when you check
Manual matching of payments to tenancies
No automatic retry when a payment fails
Rent rises mean re-asking every tenant to update

RecuraFlow open banking

Instant & automated

We send the request for the right amount; the tenant approves in one tap
Exceptions flagged the day they happen
Every payment auto-reconciled to its tenancy
Reminders sent automatically until it is paid
Change the rent once — the next request updates itself
A look inside

One platform. Every role.

Agencies, landlords and tenants each get a workspace built for what they actually do — collections, referencing, compliance, deposits and the financial products that sit on top. Here's a preview of the interface.

app.recuraflow.com/agency/collections

Collections overview

May 2026 · 254 active tenancies
WeekMonthQuarter
Rent due
£312,400
▲ 4.1% vs Apr
Collected
£298,900
95.7% success
Awaiting approval
£10,200
36 requests
In arrears
£3,300
3 tenancies
Collected vs expected
Last 6 months
Dec
Jan
Feb
Mar
Apr
May
Collected Pending / failed
This run
26 May
95.7%COLLECTED
Collected · 218
Awaiting approval · 36
Exceptions · 3
app.recuraflow.com/landlord/portfolio

Portfolio summary

9 properties · 11 tenancies
WeekMonthYear
Monthly rent roll
£14,850
across 11 tenancies
Received
£13,700
on schedule
Next payout
£13,420
28 May
Arrears
£1,150
1 tenancy
Rent collected by property
This month
PropertyTenantDueStatus
1212 Hill RoadS. Reyes£995
4AFlat 4, Elm CourtJ. Mensah£1,150
7BUnit 7B, The MewsA. Khan£1,420Awaiting approval
2222 Oak LaneP. O'Neill£1,150Arrears
Collection health
12 months
92%ON TIME
On time
Late, recovered
Outstanding
Good morning,
Sofia 👋
Next payment
£995.00
Friday 1 June · 12 Hill Road
Open banking activeSet up 14 Mar 2026
1 May 2026£995.00 paid
1 Apr 2026£995.00 paid
1 Mar 2026£995.00 paid
For tenants

Pay rent the easy way

Tenants connect their bank once. After that, each month's payment is one tap away — with full visibility and instant confirmation.

  • A payment request before every payment is due
  • A clear payment history and instant receipts
  • Reminders by WhatsApp, email or SMS — their choice
  • Never another "did my rent go through?" moment

One open-banking platform for the whole tenancy.

RecuraFlow brings the whole tenancy onto one open-banking platform — rent collection, protection, compliance and financial products for landlords, agencies and tenants, all built on the same payment data.

Available now in private beta. The full platform is live with our first cohort of landlords and agencies — every product below runs on open banking and trusted UK providers, never card details. Join the waitlist for early access.

Collect rent

Rent paid over open banking, straight to the landlord — reconciled the moment it lands.

  • Open-banking collection
  • Instant payout
  • Auto-reconciliation
  • Reminders & arrears flags
  • Move-in monies
  • Confirmation of Payee

Protect & comply

Keep every tenancy covered and compliant, with the checks built into the flow.

  • Rent guarantee & landlord insurance
  • Deposit protection
  • Gas / EICR / EPC certificates
  • AML & sanctions screening
  • Identity & ownership checks
  • Inventory & condition reports
  • Tenancy agreements & e-sign
  • Section 13 rent reviews

Help tenants build

Turn on-time rent into a real financial benefit for tenants — from data RecuraFlow already sees.

  • Rent reporting to credit bureaus
  • Savings / deposit-builder
  • Affordability checks
  • Tenant referencing

Move-in & beyond

Smooth the moments around the tenancy, and recover what’s owed when things go wrong.

  • Utilities & council-tax switching
  • Arrears recovery
  • Offer orchestration
How it works

Live in four steps

Rent collection gets you live in minutes. From there, the rest of the platform — referencing, compliance, deposits, insurance and tenant credit-building — switches on from the same dashboard.

01

Add your tenancies

Enter properties and tenancies one by one, or bulk-upload your whole portfolio from a spreadsheet.

02

Tenants connect their bank

Each tenant chooses their bank and approves securely in their own banking app. No card details, no forms.

03

RecuraFlow requests payment

Each month we send the tenant a payment request for the right amount, ahead of the due date, with reminders sent automatically.

04

You watch it land

Payments reconcile themselves. Your dashboard shows what cleared, what's pending and what needs attention.

Instant
Rent settles in seconds via Faster Payments
90 sec
To set up — no card or account details
One tap
Tenants approve each month in their banking app
Private beta

Join the waitlist

RecuraFlow is in private beta with our first cohort of landlords and letting agencies. We're inviting customers in carefully so we can support each one properly through onboarding. Tell us a bit about yourself and we'll be in touch as places open up.*

2 months free*
Set-up takes 90 seconds — no card details; no charges until your trial ends
No commitment — leave any time
A say in the features we build next

* The 2 months free trial is subject to confirmation and to our Terms of Use.

Join the waitlist

Takes 30 seconds. We'll be in touch as places open up.

You're on the list 🎉

Thanks for joining the waitlist. We'll email you at the address you gave as soon as a place opens up in the cohort.

Questions

Good to know

How is this different from a standing order?+
A standing order is set up by the tenant for a fixed amount, with no reminders and no visibility for you — and it silently pays the wrong amount when rent changes. With RecuraFlow, we send the tenant a request for the correct amount each month, remind them automatically, confirm the instant it is paid, and reconcile it to the tenancy. The tenant still approves each payment today; fully automatic payments are coming as open banking adds support for them.
Is the tenant's money protected?+
Yes. Payments run over regulated open banking. Each tenant approves in their own banking app using Strong Customer Authentication — the same security they use to log in — so no card or account details are shared and RecuraFlow never sees their login. Payments are protected under the Payment Services Regulations through the tenant's bank.
What happens if a payment fails?+
RecuraFlow flags it on your dashboard the same day and automatically reminds the tenant to approve again. Because you see issues immediately, a single missed payment is far less likely to build into serious arrears.
Do I need to be a payments expert to use it?+
No. RecuraFlow connects to open banking through an FCA-authorised payment provider and handles the technical side — bank connections, payment requests, reconciliation and reporting. You work with a clear dashboard, not bank files.
Does RecuraFlow support HMOs and multi-unit properties?+
Yes. RecuraFlow handles HMOs with rooms let individually, multi-unit buildings with self-contained flats, and standard whole-property tenancies — all from the same platform. Each room or unit has its own tenancy and its own payment schedule, while reporting rolls up to the property and portfolio level. HMO licence details are captured at the property level too.
Is RecuraFlow only for rent collection?+
No — rent collection is the entry point, not the whole product. RecuraFlow is built as one platform for the whole tenancy: tenant referencing and affordability, deposit protection, compliance certificates (gas, electrical, EPC), tenancy agreements and e-signing, AML checks, inventories, utilities switching, arrears support, landlord and tenant insurance, rent reporting that helps tenants build their credit, and open-banking savings. Each runs on the same open-banking foundation and the same dashboard, and is available now to our private-beta cohort.
Can my tenants build their credit score by paying rent?+
Yes. With the tenant’s consent, RecuraFlow can report on-time rent payments to a credit reference agency, so paying rent helps build their credit file. It’s positive, opt-in reporting — tenants choose whether to take part.
Does RecuraFlow handle referencing, compliance and deposits too?+
Yes. Alongside rent collection, the platform covers pre-tenancy referencing and affordability, deposit protection in a government-approved scheme, gas / electrical / EPC compliance certificates, tenancy paperwork and e-signing, and rent reviews. The aim is to keep the whole tenancy in one place rather than scattered across separate tools.
When can I start using RecuraFlow?+
We're currently in private beta with a small first cohort and inviting new customers in carefully so we can support each onboarding properly. Join the waitlist and we'll contact you as places become available, in the order people signed up.