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Multifamily Rent Collection Fee Calculator
Online rent collection fees scale with payment method — net cost varies materially by mix.
Annual net cost
$10,476
Annual gross fees
$28,620
Annual passthrough
$18,144
How the math works
ACH = units × txns × share × fee. Card = volume × share × fee %. Net = gross − passthrough.
200 × 75% × $1.50 = $225/mo + $360k × 20% × 3% = $2,160/mo = $2,385 × 12 = $28,620 gross − $18,144 = $10,476 net.
How to Use
- Enter monthly rent volume.
- Enter ACH share %.
- Enter card share %.
- Enter ACH fee.
- Enter card fee %.
- Enter passthrough capture %.
- Read net collection cost.
Frequently Asked Questions
Payment method economics?
ACH bank transfer: $0.50-3.00 per transaction. Card payment (Visa/MC): 2.5-3.5% + $0.30. Apple/Google Pay: same as card (mobile wallet uses card). Wire: $15-50 per. Cash/check: high opex (deposit time + bank fees). Online portal preferred. Mix: 70-85% ACH, 10-25% card, 1-5% other typical multifamily.
Vendor options?
Yardi RentCafe: integrated PMS, $2.50-5/unit/mo + payment fees. AppFolio: integrated, similar pricing. RealPage: ACH free, card 2.95%. PayLease: 3rd-party, ACH $0.95-2.50, card 3.25%. RentRedi: small landlord, $9.95/unit/mo flat. Stripe/Plaid integrations: custom builds. Choice: PMS-integrated for portfolios, third-party for non-PMS users.
Fee passthrough?
Common: pass card fees to tenant ('convenience fee' 2.95%). ACH free or absorbed by landlord. Some states (CA, NY): regulated passthrough disclosure. Best practice: clear lease language. Tenant choice: pay free via ACH or fee via card. Strategy increases ACH adoption + reduces landlord cost. Some landlords absorb all fees as customer service: $1-5/unit/mo cost.
Annual cost?
200-unit property × $1,800 avg rent = $360k/mo × 12 = $4.32M/yr. ACH 75% × $1.50 = $337/mo. Card 20% × 3% = $2,160/mo. Passthrough capture: 70% of card fees = $1,512/mo. Net: ($337 + $2,160 − $1,512) × 12 = $11,820/yr collection cost. PMS subscription: $5-15k/yr separate. Total: $17-25k/yr typical 200-unit.
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