Making Payments Through CasaPay

⚠️ IMPORTANT: Always Pay Through CasaPay

Do NOT pay operators/landlords or vendors directly via bank transfer, wire transfer, or cash!

If you've already made a direct payment to your operator/landlord or any vendor (utilities, cleaning, etc.):

  • Your CasaPay wallet will still show the payment as "unpaid"

  • You lose CasaPay guarantor coverage and protection

  • The payment won't be tracked in your CasaPay system

  • Contact CasaPay support immediately to resolve this situation

Why this happens: CasaPay can only track and guarantee payments made through the CasaPay platform. Direct payments to operators/landlords or vendors bypass our system entirely.

How Payments Work

All your rental expenses must go through your CasaPay wallet:

  1. Operator/landlord or vendor sends invoice to your CasaPay alias email

  2. You receive Payment Request (PR) in your wallet

  3. You have minimum 5 days to review and choose payment option

  4. CasaPay guarantees payment to operator/landlord or vendor on due date

  5. You pay CasaPay with your chosen method and timeline

Your Four Payment Choices

1. Pay Button (Immediate Payment)

  • Pay the full amount right away

  • Guarantor fee included in total amount

  • Instant confirmation and receipt

  • Operator/vendor receives guaranteed payment immediately

Example:

Rent Invoice: €1,500 
Guarantor Fee (6%): €90 
Total Payment: €1,590

2. Split Button (Installment Payments)

  • Convert any payment into installments

  • Guarantor fee distributed across all payments

  • Automatic payment scheduling

  • Option to pay early anytime

Example:

€1,590 total → 4 payments of €397.50 each 
Week 1: €397.50 
Week 2: €397.50 
Week 3: €397.50 
Week 4: €397.50

3. Share Button (Split with Others)

  • Divide payment among roommates, family, or friends

  • Each person gets individual payment request

  • Everyone pays proportional guarantor fee

  • Automatic coordination and status updates

Example:

€1,590 rent split with 2 roommates:  
You pay: €530 (€500 + €30 fee) 
Roommate 1: €530 (€500 + €30 fee) 
Roommate 2: €530 (€500 + €30 fee)

4. Dispute Button (Challenge Payment)

  • File dispute before due date with evidence

  • Automatic hold on payment processing

  • Professional mediation within 7-14 days

  • Fair resolution guaranteed

Managing Multiple Bills

PA (Payment agreement) Folder Organization Your payments are organized by sender.

Handle Each Bill Independently:

  • Pay rent immediately, split utilities with roommates

  • Dispute unfair cleaning charges, pay others normally

  • Schedule rent for auto-pay, handle repairs manually

  • Each bill has its own payment timeline and options

Payment Methods and Scheduling

Connected Payment Methods:

  • Bank Account: Lowest fees, direct debit available

  • Debit Card: Instant processing

  • Credit Card: Flexible payment options

  • Digital Wallets: PayPal, Apple Pay, Google Pay

Smart Payment Features:

  • Auto-Pay: Set recurring payments for monthly rent

  • Payment Reminders: Notifications before due dates

  • Early Payment: Pay anytime before due date

  • Budget Tracking: Monitor monthly rental expenses

International Student Support

  • Multi-currency payment options

  • International card acceptance

  • Currency conversion at real-time rates

  • Support for international bank transfers

Common Payment Issues & Solutions

"I made a bank transfer but it still shows unpaid"

  • This happens when you pay the operator/landlord or vendor directly instead of through CasaPay

  • Your CasaPay guarantor coverage is void for direct payments

  • Contact CasaPay support immediately to resolve

  • Always use your CasaPay wallet for all rental payments

"My payment was declined"

  • Check your payment method is valid and has sufficient funds

  • Verify your bank allows the transaction

  • Contact support if issues persist

"I can't find my payment request"

  • Check your email for CasaPay alias notifications

  • Look in your wallet under the correct PA folder

  • Contact support if invoices aren't appearing

Understanding Your Monthly Costs

Fee Calculation Example:

Monthly Expenses: Rent: €1,200 
Utilities: €150 Internet: €45 
Total: €1,395  
Your Guarantor Plan: 6% annual rate 
Monthly Guarantor Fees: €1,395 × 6% ÷ 12 = €6.98  vs Traditional €1,500+ deposit locked up for years

Remember: Always use CasaPay for payments to maintain your coverage and protection!