A familiar story
Take Sarah. She owns three rental properties in Birmingham — two flats and a small house. Her tenants pay by standing order, and most months it works. Most.
But every couple of months, something slips. A tenant changes job and forgets to update their bank details. Another forgets to update a standing order after a rent increase. A third quietly cancels theirs while looking for somewhere new, and Sarah doesn't notice until she checks the bank feed two weeks later.
By the time Sarah catches each one, she's already lost time, and sometimes lost money. Chasing missed payments by text and email. Filling in spreadsheets to work out which payment belongs to which tenancy. Trying to remember whether the £950 that landed last week was Flat 4 or Unit 7B. And every time rent goes up, she has to ask every tenant to update their standing order — and follow up with the ones who don't.
Sarah is a composite — drawn from our own experience as landlords and from many conversations with others. The story isn't unusual; most landlords we speak to recognise it.
Why open banking changes this
The difference between a forgotten standing order and RecuraFlow is everything around the payment — the right amount, the reminders, the instant confirmation, and the reconciliation.
With a standing order, the tenant decides when to pay, how much, and whether to stop — and a fixed amount goes stale the moment rent changes. With open banking, RecuraFlow sends a request for the right amount each month; the tenant approves it in one tap in their own banking app, and it is paid instantly. Missed approvals are flagged the day they happen, chased automatically, and every payment is reconciled to the right tenancy without anyone matching numbers in a spreadsheet.
It's not a small improvement. It's the structural fix to a problem that's existed for as long as landlords have collected rent.
What RecuraFlow does
RecuraFlow puts open banking rent collection within reach of landlords and letting agencies of every size — without any payments expertise or bank integrations of your own.
You add your tenancies. Tenants connect their bank in a few minutes. Each month we request the right amount and the tenant approves it in one tap — paid instantly. Missed approvals are flagged, chased, and tracked. You get a clean dashboard, automatic notifications to tenants, and reconciliation that just works — across one property or hundreds.
And rent collection is only the entry point. RecuraFlow is built as one platform for the whole tenancy — referencing and affordability before a tenant moves in; deposit protection, compliance certificates, tenancy paperwork and rent reviews during; and rent reporting that helps tenants build their credit, optional savings, insurance and arrears support around it. Each runs on the same open-banking foundation and the same dashboard, so work that’s usually scattered across a dozen tools lives in one place. It’s all available now to our private-beta cohort.
Who we are
We're landlords ourselves. Sarah's story isn't research — it's the situation that drove us to build RecuraFlow in the first place. Between us, we've spent years managing rental properties, and years more in technology and in banking and finance. We know the rent-collection problem from the landlord's side of it, and we know how to build a platform that fixes it.
That dual background matters. Property management without technical depth leaves you with spreadsheets and reminders. Technology without property experience leaves you with software that solves the wrong problem. RecuraFlow is built by people who've lived both.
RecuraFlow is a UK company — based here, registered here, and answerable here. We're ICO-registered, and every payment runs over regulated open banking through an FCA-authorised payment provider, settled on Faster Payments — the UK's established instant-payment rails. None of that is experimental. It's deliberately not — when it's your rent on the line, proven, regulated infrastructure is exactly what you want.
We don't handle funds directly. Money moves between your tenants and your client account through an FCA-authorised payments partner — RecuraFlow is the software that orchestrates that, not the institution holding the money. It's a deliberate design choice: regulated providers are far better-equipped to safeguard funds than a software company would be.
Your tenants' bank details. Your rent. Every month. We don't take any of that casually — we're careful, deliberate, and conservative about how RecuraFlow handles money. We'd rather build something that quietly works than something that looks clever.
Open banking isn't experimental — it's regulated, bank-grade infrastructure used across the UK every day. What's new is making it effortless for rent — one clean interface, no bank files, no payments expertise required. That's the gap RecuraFlow fills.
Where we are
We're in private beta, with our first cohort of customers helping shape the product. We're inviting new customers in carefully so we can support each onboarding properly. If you're a landlord or letting agency tired of the standing-order shuffle, the waitlist is open — 2 months free, set up in 90 seconds, no charges until your trial ends.