Embedded Payments
Embedded payments in PropTech: Use cases and opportunities
Andre Vella
23 sep 2025
PropTech platforms are at the centre of a massive shift in how money moves through real estate. Rent collection alone represents billions in recurring flows every month: from tenants to landlords, property managers, and service providers. Yet much of this money movement is still slow, manual, and expensive.
With housing costs climbing and investors pouring capital into fast-scaling PropTech companies, demand for integrated, efficient financial experiences is at an all-time high. This is where embedded payments for PropTech come in: enabling platforms to streamline rent collection, automate revenue sharing, manage deposits securely, and capture new revenue opportunities along the way.
The rise of embedded payments in PropTech
Insights from the ECB (European Central Bank) show that renters account for about 28% of households in the Euro area, with rental expenditures averaging around 1/3 of household monthly income. In Germany alone, one in five households spends 40% or more of income on rent. The story is not much different in the UK, where private rent reached an average of £1,343 per month in July 2025, a 5.9% year-on-year increase.
Focusing on the rent collection market alone, analysts estimate the revenue of the residential real estate leases market will reach EUR 1 trillion in 2025 with a CAGR of 5%. That represents billions in recurring rental, service, and property management flows moving online. With housing costs climbing, demand for smoother, integrated financial experiences is accelerating. And embedded payment solutions are becoming both relevant and valuable.
Investors are also taking notice:
Berlin-based Buena raised €49 million to roll up legacy property management firms and digitise them with AI powered software. It already manages more than 60,000 units and has acquired over 20 firms since 2023.
French proptech Matera has completed two major rounds totalling €45 million.
Zazume raised €2.3 million, tripled its revenue in 2024, is cash flow and EBITDA positive, and currently manages €25 million in rents for over 500 agents while aiming to oversee 10,000 properties soon.
These stories point to a clear trend. PropTech platforms are scaling quickly and attracting serious capital as billions in recurring rental, service, and management flows move digital.
Platforms that embed payments are not only positioned to provide the best experience for their customers, but will also be able to capture value at the basis point level.
The current payments landscape in PropTech
A property management system (PMS) is software designed for property managers, owners, and operators to automate and simplify key processes in managing properties.
On payments, PMS platforms typically include integrated banking, electronic lease agreements, online document storage and sharing, and financial reporting. They help streamline rent collection, communication, contracts, and fund tracking.
Payments are also a proven revenue driver. Appfolio, a publicly listed PMS in the US added payment early in their journey. By 2022, payments represented 34.7% of total revenue.
Rent collection software takes this opportunity further by enabling online payments with tenants’ preferred methods (credit card, bank transfer, etc.), recurring payments, reminders and integration with accounting systems. It can also help manage tenant screening, lease agreements, maintenance requests, accounting, and reporting.
You can integrate it with your accounting system to generate reports and statements, monitor cash flow and occupancy rates in real time, and identify any issues or opportunities. Your tenants can pay with their preferred method, such as credit card or bank transfer, and set up recurring payments or reminders. Typically they charge a % of total rent volume.
These examples show that payments are already central to property management platforms. And the opportunity grows when payments are fully embedded into PropTech ecosystems.
Embedded payments use cases for PropTech platforms
Embedded payments allow PropTech platforms to handle complex multi-party payment flows for property managers, landlords, tenants, and platform providers.
By embedding payments directly into their platforms, PropTech companies can solve common challenges in rent collection, revenue distribution, and deposit management. Here are the most common use cases:
Automated rent collection
Property managers can issue dedicated local virtual IBANs to each tenant, so payments can be received without reconciliation errors. Underpayments and overpayments are automatically adjusted using trailing balances. This cuts out manual tracking and ensures rent is collected on time across multiple properties and countries.
Rent splitting with landlords
When rent is received, funds are automatically split between landlords, property managers and the PropTech platform. This eliminates the need for manual revenue calculations, ensures commissions are deducted instantly and gives all parties transparent reporting on who was paid and when.
Secure rental deposit management
Deposits are held in separate balance accounts, distinct from regular rent flows. This makes it easier for property managers to keep deposits ring-fenced and compliant while giving tenants confidence that funds are managed securely.
Monetising every transaction
Embedded payments don’t just handle the plumbing. They turn infrastructure into revenue.
For example, a PropTech platform processing €1 billion in annual rent flows could generate or save €1 million simply by capturing 10 basis points.
Because flows like deposits, commissions, and maintenance payments already exist within most platforms, the opportunity compounds quickly. Every transaction becomes a potential monetisation touchpoint — whether it’s moving money between accounts, paying service providers via balance accounts or paying out incentives instantly.
Start monetising your payments with Embed
Embed is committed to delivering some of the most competitive enterprise rates in the market, especially for independent business owners. We believe in a true partnership — we win when you win. This is why we guide you through every step of the integration and post-go-live support, combining that with pricing that is, for certain payment methods, more than 50% cheaper than alternatives such as Stripe.
If you are a PropTech founder or operator exploring how to simplify rent collection, automate revenue sharing, or discover new monetisation opportunities, we’d love to hear from you. Contact our team to discuss your use case and see how embedded payments can help you scale.
PropTech platforms are at the centre of a massive shift in how money moves through real estate. Rent collection alone represents billions in recurring flows every month: from tenants to landlords, property managers, and service providers. Yet much of this money movement is still slow, manual, and expensive.
With housing costs climbing and investors pouring capital into fast-scaling PropTech companies, demand for integrated, efficient financial experiences is at an all-time high. This is where embedded payments for PropTech come in: enabling platforms to streamline rent collection, automate revenue sharing, manage deposits securely, and capture new revenue opportunities along the way.
The rise of embedded payments in PropTech
Insights from the ECB (European Central Bank) show that renters account for about 28% of households in the Euro area, with rental expenditures averaging around 1/3 of household monthly income. In Germany alone, one in five households spends 40% or more of income on rent. The story is not much different in the UK, where private rent reached an average of £1,343 per month in July 2025, a 5.9% year-on-year increase.
Focusing on the rent collection market alone, analysts estimate the revenue of the residential real estate leases market will reach EUR 1 trillion in 2025 with a CAGR of 5%. That represents billions in recurring rental, service, and property management flows moving online. With housing costs climbing, demand for smoother, integrated financial experiences is accelerating. And embedded payment solutions are becoming both relevant and valuable.
Investors are also taking notice:
Berlin-based Buena raised €49 million to roll up legacy property management firms and digitise them with AI powered software. It already manages more than 60,000 units and has acquired over 20 firms since 2023.
French proptech Matera has completed two major rounds totalling €45 million.
Zazume raised €2.3 million, tripled its revenue in 2024, is cash flow and EBITDA positive, and currently manages €25 million in rents for over 500 agents while aiming to oversee 10,000 properties soon.
These stories point to a clear trend. PropTech platforms are scaling quickly and attracting serious capital as billions in recurring rental, service, and management flows move digital.
Platforms that embed payments are not only positioned to provide the best experience for their customers, but will also be able to capture value at the basis point level.
The current payments landscape in PropTech
A property management system (PMS) is software designed for property managers, owners, and operators to automate and simplify key processes in managing properties.
On payments, PMS platforms typically include integrated banking, electronic lease agreements, online document storage and sharing, and financial reporting. They help streamline rent collection, communication, contracts, and fund tracking.
Payments are also a proven revenue driver. Appfolio, a publicly listed PMS in the US added payment early in their journey. By 2022, payments represented 34.7% of total revenue.
Rent collection software takes this opportunity further by enabling online payments with tenants’ preferred methods (credit card, bank transfer, etc.), recurring payments, reminders and integration with accounting systems. It can also help manage tenant screening, lease agreements, maintenance requests, accounting, and reporting.
You can integrate it with your accounting system to generate reports and statements, monitor cash flow and occupancy rates in real time, and identify any issues or opportunities. Your tenants can pay with their preferred method, such as credit card or bank transfer, and set up recurring payments or reminders. Typically they charge a % of total rent volume.
These examples show that payments are already central to property management platforms. And the opportunity grows when payments are fully embedded into PropTech ecosystems.
Embedded payments use cases for PropTech platforms
Embedded payments allow PropTech platforms to handle complex multi-party payment flows for property managers, landlords, tenants, and platform providers.
By embedding payments directly into their platforms, PropTech companies can solve common challenges in rent collection, revenue distribution, and deposit management. Here are the most common use cases:
Automated rent collection
Property managers can issue dedicated local virtual IBANs to each tenant, so payments can be received without reconciliation errors. Underpayments and overpayments are automatically adjusted using trailing balances. This cuts out manual tracking and ensures rent is collected on time across multiple properties and countries.
Rent splitting with landlords
When rent is received, funds are automatically split between landlords, property managers and the PropTech platform. This eliminates the need for manual revenue calculations, ensures commissions are deducted instantly and gives all parties transparent reporting on who was paid and when.
Secure rental deposit management
Deposits are held in separate balance accounts, distinct from regular rent flows. This makes it easier for property managers to keep deposits ring-fenced and compliant while giving tenants confidence that funds are managed securely.
Monetising every transaction
Embedded payments don’t just handle the plumbing. They turn infrastructure into revenue.
For example, a PropTech platform processing €1 billion in annual rent flows could generate or save €1 million simply by capturing 10 basis points.
Because flows like deposits, commissions, and maintenance payments already exist within most platforms, the opportunity compounds quickly. Every transaction becomes a potential monetisation touchpoint — whether it’s moving money between accounts, paying service providers via balance accounts or paying out incentives instantly.
Start monetising your payments with Embed
Embed is committed to delivering some of the most competitive enterprise rates in the market, especially for independent business owners. We believe in a true partnership — we win when you win. This is why we guide you through every step of the integration and post-go-live support, combining that with pricing that is, for certain payment methods, more than 50% cheaper than alternatives such as Stripe.
If you are a PropTech founder or operator exploring how to simplify rent collection, automate revenue sharing, or discover new monetisation opportunities, we’d love to hear from you. Contact our team to discuss your use case and see how embedded payments can help you scale.