Interac, reconciled for you
Tenants e-Transfer to your own email. HavenPays reads your bank's deposit notices, checks they're genuine and matches each one to the right lease. Anything it can't match waits for you with the reason.
FREE for up to 5 units · no credit card
Rent goes straight to you. Tenants get rewarded for paying it.
HavenPays is Canadian rent collection your tenants will actually want to use. They pay by card, Apple Pay, Google Pay, Interac e-Transfer or bank debit, straight into your own accounts. Every on-time payment earns them points.
Set up in an afternoon. Cancel any time, effective at the end of your billing period.
- Rent is paid into your accounts, never held by us
- Every fee is shown before anyone pays
- Interac e-Transfers matched to the right unit automatically
- Your data is stored and processed in Canada
Example
Interac e-Transfer · Unit 2BMatched automatically
November rent · Unit 2B$1,850.00
Interac e-TransferNo fee
Card, Apple Pay, Google PayFee shown
Bank debit (PAD)Fee shown
Rent$1,850.00
Payment fee$0.00
No fee on Interac e-Transfer
You pay$1,850.00
Show me how to send it
On time · 7-month streak+ points earned
Deposited toYour own bank account
Tenants can pay with
Interac e-Transfer
Visa · Mastercard · Amex
Apple Pay
Google Pay
Pre-authorized debit
Cash & cheque, logged by you
How money moves
Your rent never passes through us.
Most rent apps collect into their own account and pay you out days later. With HavenPays, each payment rail is connected to your account, so the money lands with you. We do the work around it: recording it, checking it, matching it to the right lease, and rewarding the tenant.
Your tenant
Picks how to pay. They see the full amount, any fee and who pays it before they confirm.
Card, Apple Pay, Google PayCharged on your own Stripe account. Connecting it takes a few minutes.
Interac e-TransferSent to your own email. We read the bank's deposit notice and match it.
Pre-authorized debitPulled on rent day through your Stripe or Rotessa account.
Your accounts
The money is yours from the moment it's paid. There's no payout to wait for and no platform balance in between.
HavenPays
does the rest
does the rest
RecordsOne ledger per lease, showing what each month owed and what paid it.
VerifiesNothing counts as paid until the money is confirmed.
ReconcilesDeposits are matched to the right tenant and unit, with no spreadsheet.
RewardsPoints, receipts and thank-yous go out automatically once payment is confirmed.
Paid means paid
Card and bank-debit payments post once the processor confirms them. Cash or a cheque you log stays "pending" until your bank reconciliation confirms it. No receipt or points go out on money that never arrived.
Always a free way to pay
Interac e-Transfer costs your tenant nothing through HavenPays. Card fees, where your province allows a tenant to pay them, are always optional and shown up front.
Bounced payment? Handled.
If a payment is returned or disputed, the ledger, the receipt and any points are reversed automatically. The NSF fee is capped at your province's limit.
Everything in one place
Less chasing for you. Fewer surprises for your tenants.
HavenPays does the jobs a landlord would otherwise have to remember: reminders, receipts, matching deposits and filling in notices. You keep the decisions.
Cards and wallets, on your Stripe
Accept card, Apple Pay and Google Pay through your own Stripe account. You get Stripe's full dashboard and payouts, and HavenPays adds nothing on top.
Autopay and reminders
Tenants can put rent on autopay by card or bank debit. Everyone else gets reminders timed to their due date. Receipts are emailed the moment payment is confirmed.
A rent ledger that explains itself
A month-by-month ledger for every lease, with proration, grace periods, split rent and arrears. Your dashboard, the reminders and the tenant's app all show the same balance, from one calculation.
Ontario LTB tools
N4 and N5 notices are pre-filled from the ledger. Notice periods are checked against the Act, and late fees are kept off an arrears notice. You review and sign every one.
Per-Unit & All-AccessMaintenance that closes the loop
Tenants report problems with photos. You assign them to a vendor and track progress. The tenant is kept updated and asked how it went once the job is done.
Books ready for tax time
Rent roll, cash flow, profit and loss for each building, monthly statements and a CRA T776 export, all built from the payments you already collect.
Per-Unit & All-AccessLeases, documents, renewals
Provincial lease templates, documents stored for each tenant, expiry alerts and renewal offers sent on schedule. No lease lapses because nobody remembered it.
Messages and building notices
Message one tenant or post a bulletin to a whole building. Replies, notices and history stay with the lease instead of in your texts.
Get rewarded for something you already do
Paying rent on time earns points. Keep a streak going to climb from Bronze to Diamond, earn badges and take on challenges. Redeem points against your rent or for real rewards. You always see the maths: the base rate, your streak bonus, your tier bonus and any cap.
Gold tier7-month streak
Base points for this paymentbase rate × rent
Streak bonus× your streak multiplier
Tier bonus+ Gold bonus
You earnedshown to the point
Pay your way
Card, Apple Pay, Google Pay, bank debit or Interac e-Transfer. Any fee, and who pays it, is shown before you confirm. Interac e-Transfer is always free through HavenPays.
Autopay or split rent
Set it once and stop thinking about it. If your landlord turns it on, you can also split rent into smaller scheduled payments that line up with your paydays.
Receipts, always
An official receipt for every payment, emailed and kept in your account. Your full payment history is there whenever you need it.
Repairs with a paper trail
Report a problem with photos and follow it until it's fixed. You won't be left wondering whether anyone saw your message.
Your data, your rights
See and download everything held about you, at any time. Your personal information is encrypted and stays in Canada.
Works on any phone
Open tenant.havenpays.ca and add it to your home screen. It works like an app, with notifications, and there's nothing to download from a store.
Is your landlord already on HavenPays? Look for the invitation email, or sign in here. Want your landlord to offer it? Send them this page.
Radical transparency
Every number explains itself.
If you could reasonably ask "where did that number come from?", the answer is already on the screen. That goes for both sides of the lease, and especially for anything to do with money.
What a tenant sees before paying by card
Itemised and shown before they confirm, with the rule behind each line. (Example.)
Rent, November$1,850.00
Card processing feeshown in dollars
Who pays it, and the provincial rule that applies
Total chargedexact, to the cent
In Quebec, the card fee is never charged to the tenant. Our provincial rules handle that automatically, so nobody has to remember.
What a landlord sees on their bill
Plan, units, rate, each add-on and the arithmetic, with the effect of any change shown before you confirm it. (Example: 15 units.)
Per-Unit plan15 × $2.00
Subtotal$30.00
Add-onsnone
Monthly total$30.00
Prorated charges appear as a dated calculation, never as an unexplained line. Cancelling takes effect at the end of your billing period.
No fee on rent from us
HavenPays takes no cut of the rent. Card processing is billed by Stripe on your own Stripe account, at Stripe's rates.
Pending is explained
When a payment is pending, both sides see why, what will clear it and when.
Reversals are explained
A returned payment shows the reason, the amount, the points reversed and how to dispute it.
Pricing
Pay for your units, not for features you'll never use.
Three plans, with no setup fee and no contract. Every payment rail is free to switch on, on every plan.
Your cheapest plan
$30.00 / month
Per-Unit: 15 units × $2.00 = $30.00
Free Forever
$0 / month
Up to 5 units
For a duplex, a basement suite or a few doors. No card needed to sign up.
- Rent collection on every rail you connect
- Autopay, payment calendar and receipts
- The full tenant rewards program
- Leases, provincial templates and documents
- Maintenance requests with photos
- Messaging and building bulletins
Per-Unit
$2 / unit / month
Up to 50 units · no minimum
The whole toolkit for a growing portfolio, priced by the door.
- Everything in Free
- Ontario LTB tools: N4 and N5 from your ledger
- Financial reports, monthly statements, T776 export
- Bank reconciliation and open banking
- Split rent, auto-renewals, digital inspections
- Owner portal, vendor marketplace, e-signature
All-Access
$299 / month
Unlimited units
One flat price for every feature on the platform, at any size.
- Everything in Per-Unit
- Automatic bank-reconciliation matching
- Your own branding on the tenant portal
- HavenAI tools, running on our own hardware in Canada
- Priority support
- Analytics and portfolio benchmarking
À-la-carte add-onsNeed one feature from a bigger plan? Add just that one, each with its price shown before you buy.
Processing is between you and your processorStripe and Rotessa bill their own published rates to your own account. HavenPays doesn't mark them up.
Change or cancel any timeUpgrades show the exact prorated amount first. Cancelling takes effect at the end of your period, with no surprise cut-off.
Prices in Canadian dollars, before applicable taxes.
Getting started
From sign-up to first rent day.
You don't need to migrate anything or call anyone. Do it at your own pace, in this order.
Create your account
Free, with no credit card. Choose a plan now or stay on Free.
About 2 minutesAdd buildings, units and leases
Enter rent, the due date and the lease term. The ledger for each lease builds itself from there.
A few minutes per buildingConnect how you get paid
Connect your Stripe account for cards and wallets, give us your Interac autodeposit email, or both. The money goes to you.
About 10 minutesInvite your tenants
Each tenant gets an email invitation. From then on, reminders, receipts and rewards happen on their own.
One click per tenant
Security & privacy
Built like it's holding your money. Even though it doesn't.
Encrypted where it matters
Bank details, SINs and connected-account credentials are encrypted at the field level. Card numbers go straight to Stripe and never reach our servers.
Every portfolio walled off
Database row-level security keeps one landlord's data invisible to every other landlord and every other tenant.
An audit trail for every change
Every payment, verification and edit is logged permanently, so what happened is never in question.
AI that suggests and never decides
HavenAI runs on our own hardware in Canada and scrubs personal details before it reads anything. It never makes a decision about a person: you review everything it drafts.
Made in Canada, for Canadian rentals.
HavenPays applies each province's rules on card fees, NSF caps, deposit interest and rent increases, so the platform keeps you on the right side of them. It's built in Ontario, with the Landlord and Tenant Board's forms and timelines included.
ONBCABQCNSMBSK
Your information is stored and processed in Canada, and handled under PIPEDA. You can ask for a full copy of your data at any time.
FAQ
Good questions.
Does the rent go through HavenPays?
No. Card, Apple Pay, Google Pay and bank-debit payments are charged on your own Stripe (or Rotessa) account and paid out to you by them. Interac e-Transfers go to your own email and bank. HavenPays never holds your rent and there is no payout from us to wait for.
What does it cost my tenants?
Nothing to use HavenPays, and Interac e-Transfer is always free. If you let tenants pay a card processing fee where your province allows it, they see it in dollars before they confirm and can pick a free method instead. In Quebec, card fees are never passed to the tenant.
What does it cost me?
Your plan: free for up to 5 units, $2 per unit per month up to 50, or $299 a month for everything. Card and bank-debit processing is billed by Stripe or Rotessa on your own account at their published rates. HavenPays takes nothing from the rent itself.
How does the automatic Interac matching work?
Each tenant gets your autodeposit email, the exact amount and a short payment code to put in the message. When your bank emails its deposit notice, HavenPays checks that the notice really came from Interac and matches it to the lease. The payment is then recorded, the receipt goes out and the tenant's points are awarded.
If a deposit can't be matched (for example, the code was left out), it waits on your review screen with the reason. One click assigns it to the right unit.
A tenant paid me cash. Now what?
Log it as cash or cheque. It shows as pending until your bank reconciliation sees the deposit, or until you mark it verified yourself. Only then does the invoice close and the tenant get a receipt and points. That protects you, and it protects every other tenant's rewards.
Who pays for the tenant rewards?
You decide how your rewards program is funded, and you see the rules your tenants see. Points can only be redeemed against money that's actually set aside, so nobody is promised something that isn't there. On-time rent is the cheapest kind of rent to collect.
Can I leave? What happens to my data?
Yes, any time. Cancelling takes effect at the end of your billing period and everything keeps working until then. Your Stripe account, your bank and your money were always yours, so there's nothing to untangle. You and your tenants can export your data whenever you like.
Does it work outside Ontario?
Yes. Payments, rewards and the ledger work anywhere in Canada. Provincial rules on fees, NSF caps and deposits are built in for ON, BC, AB, QC, NS, MB and SK. The Landlord and Tenant Board tools are specific to Ontario.
Make rent day the easiest day of the month.
Free for up to 5 units. Your tenants get rewarded, you get paid directly and nobody gets a surprise fee.