Kiraya Setu vs RentPay

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.

RentPay is a rental-payment platform for tenants who pay rent through an agent. It lets users set weekly, fortnightly or monthly deposits, and can debit funds on payday before rent is due. Payments can be made by bank transfer, PayID, BPAY, debit or credit card, PayPal, Alipay, WeChat Pay or UnionPay. Cleared account funds earn 2.50% p.a. before transfer to the agent’s trust account. The free account has no monthly, signup or money-sending fee, but payment-method charges apply, including 1.15% for cards and $1.00 for BPAY. Its wallet limit is $9,999, with interest calculated only on balances up to $9,500. Other services include bill smoothing, Paylab rewards transferable from participating Australian retailers, and Scorebuilder, which reports account status monthly to illion. Users can see payment history in the app, but cannot download it. RentPay is available on Android, iOS and web.