I use Innago, mostly for the rent collections. It only costs $2/transaction and the tenants can pay it.
Just started it a couple months ago. It works well with a couple caveats.
First draw takes three business days, after that it only takes one. Holidays and weekends are not included and they seem to only push the funds at night.
You can set up any type payment thru them. I just did a pet reg fee and have done a couple water bills that way.
They take cards as well but I think they add 3%, again the tenant covers that as a convenience.
The program has some management stuff in it as well as a msg portal and maintenance request. I do not have those set up right now.
Another thing is when the money drops in your account it doesn't include the tenant's name or house number. If I ran it all thru the program it wouldn't be an issue. Since I am still in love with my excel file I have to track payments differently.
All but one of my people paid directly to the bank so I didn't see a need to pay for the service. The few that are on board love it and the $2 fee is cheaper than driving to the bank.
I think they supply renter's insurance as well but have yet to delve into that either.
The few times I hit the live help or email I was taken care of pretty fast like.
--107.147.xx.xx