Kiraya Setu vs RentMerchant

Kiraya Setu is a web platform for Indian landlords managing properties, tenants, rent, and maintenance. Rent can be collected through UPI, NEFT, IMPS, cash, or cheque, with automated WhatsApp reminders sent three days before the due date. The platform generates receipts and can deliver them by email or WhatsApp. Landlords can log maintenance requests, assign priorities, track resolution, and record repair costs. Reports cover rental income, expenses, net profit, and taxable rental income calculations. Listed integrations include Google Pay, PhonePe, other UPI apps, WhatsApp, and email. The maker says data in transit uses TLS 1.3, sensitive stored data uses AES-256, and backups run every six hours with point-in-time recovery and geographically separate storage. A free plan supports up to two tenants. Paid plans start at ₹149 a month, and a 30-day trial is available. UPI and direct bank transfers incur a 1.5% processing fee.

RentMerchant provides online rent collection and property management for independent landlords, with web and iOS access. Tenants can pay by bank transfer or debit and credit card, either once or through autopay. The system sends monthly recurring invoices, payment reminders, and automatic late fees. A tenant portal supports payments, payment-history and ledger viewing, and repair requests. Landlords can collect online applications and obtain electronic lease signatures with an audit trail. Property owners can receive read-only logins showing collections, fees, and net amounts. Reports include CSV and Schedule E exports, and landlords can import properties in bulk from CSV. Payments are processed by Stripe; RentMerchant says it does not store raw card or bank numbers, and accounts can use two-factor login. The Free plan costs nothing and supports up to three properties. Pro costs $15 a month billed annually for unlimited properties and units, while month-to-month Pro costs $20 a month. ACH payments on Free cost 0.8% capped at $5 plus a $2 RentMerchant fee; the $2 fee is waived on Pro.