Getting Started with CasaPay

What is CasaPay?

CasaPay is a digital rental platform that eliminates traditional barriers in property rental. With your CasaPay ID, you can apply to verified rental properties without paying security deposits upfront, and manage all your rental payments through one convenient platform.

What is CasaPay ID?

CasaPay ID is your digital tenant guarantor card that replaces traditional security deposits. It provides financial guarantee to landlords and enables you to apply instantly to any property in our verified partner network.

How much does CasaPay cost?

We offer two plans:

  • Standard Plan: Free monthly cost, but requires 100% upfront topup (like a traditional deposit)

  • Guarantor Plan: 6% annual fee of your guarantee limit, with zero upfront topup required

Eligibility & Applications

What are the basic requirements to get CasaPay ID?

  • Age 18+ years old

  • Legal right to rent in the target country

  • Valid UK/EU bank account

  • Minimum income of 2.5x monthly rent (for employed tenants)

  • Acceptable credit history

  • Complete identity, income, and credit verification

I'm a student - what are the requirements for me?

As a student, you'll need:

  • Proof of enrollment at a recognized institution

  • A co-signer (like a parent or guardian) who meets our income requirements

  • The co-signer must provide their income verification and agree to guarantee payments

My parent/sponsor will be paying my rent - how should I calculate my income?

For income verification, include the total amount your sponsor commits to send you monthly for living expenses. This should cover:

  • Rent payments

  • Living expenses (food, transport, etc.)

  • Any other costs they'll cover

Example: If rent is £1,000/month and your dad will send £1,500/month total (£1,000 for rent + £500 for expenses), your supported income is £1,500/month.

Your sponsor will need to provide:

  • Proof of their income (showing they can afford to support you)

  • Bank statements

  • A formal commitment/sponsorship letter

What documents do I need for verification?

Required for everyone:

  • Government-issued photo ID

  • Proof of address

  • Bank statements (3 months)

  • Credit check authorization

For employed tenants:

  • Recent payslips

  • Employment contract/letter

For students:

  • Enrollment confirmation from university

  • Co-signer's income documentation

  • Sponsorship agreement

For self-employed:

  • Bank statements (6 months)

  • Higher income multiple may be required

Payments & Costs

How does the payment system work?

You'll receive a unique CasaPay alias email. Your landlord sends all invoices (rent, utilities, etc.) to this alias, and payments are automatically processed through your CasaPay wallet on the due date.

What if I can't pay rent on time?

With CasaPay, your landlord receives guaranteed payment on the due date regardless of your circumstances. However, you're still responsible for repaying CasaPay according to your plan terms.

Can I dispute charges?

Yes! You have a 5-day dispute window before the due date to challenge any payment request. You can upload evidence, and we have a professional resolution process to ensure fair outcomes.

What payment options do I have for each bill?

For every payment request, you can:

  • Pay: Settle immediately

  • Split: Convert to installments

  • Share: Divide among flatmates/friends

  • Dispute: Challenge the charge (within 5-day window)

Plans & Pricing

What's the difference between Standard and Guarantor plans?

Standard Plan:

  • Monthly cost: Free

  • Upfront: 100% of guarantee limit (like traditional deposit)

  • Best for: Those who prefer traditional deposit structure

  • Refundable: Yes, when you move out

Guarantor Plan:

  • Annual cost: 6% of guarantee limit

  • Upfront: Zero

  • Payment: Annual (cheaper) or monthly (+20% premium)

  • Best for: Zero move-in costs

Can you give me a real example of costs?

For a £1,000/month rent with 12-month guarantee (£12,000 limit):

Standard Plan:

  • Upfront: £12,000 (refundable)

  • Monthly: £0

  • Total annual cost: £0

Guarantor Plan (annual payment):

  • Upfront: £0

  • Annual fee: £720 (6% of £12,000)

  • Total annual cost: £720

Guarantor Plan (monthly payment):

  • Upfront: £0

  • Monthly fee: £72

  • Total annual cost: £864

Technical & Account Management

How do I access my CasaPay account?

What if I have issues with my account?

Contact our support team through the platform, or reach out via our customer support channels. We provide professional resolution for all tenant issues.

Can I use CasaPay internationally?

Yes! Your CasaPay ID works across our entire verified partner network in multiple countries, making international moves much easier.

What happens when my tenancy ends?

  • Standard Plan: Your topup is refunded after any final charges

  • Guarantor Plan: Your plan ends, and no further fees apply

  • Your CasaPay ID remains active for future rentals

Troubleshooting

My application was declined - what can I do?

Common reasons for decline:

  • Income below 2.5x rent requirement

  • Adverse credit history

  • Incomplete documentation

  • Missing co-signer (for students)

You can reapply once you've addressed the issue or provide additional documentation.

I can't find my verification documents - what should I do?

Contact support immediately. We can guide you on alternative documentation or give you extra time to gather required papers.

My sponsor's income is in a different currency - is this okay?

Yes, we accept international sponsors. Provide documentation in the original currency, and we'll assess based on current exchange rates.