Payment Guarantee

Every invoice guaranteed.
Every payout on time.

Rent, cleaning, damages, add-ons — every invoice sent through CasaPay is guaranteed. Choose automatic payouts after 30 days or proactive payment on the due date. No claims to file, ever.

Start Free See API Docs

Proactive payouts No claims to file All invoices covered

Two payout models. Zero claims filing.

Traditional insurance makes you file a claim, wait for an underwriter, and hope. CasaPay pays automatically — either on the due date or after 30 days. You choose.

COVER tier · 1.5%

Automatic payout after 30 days

When a tenant misses a payment, CasaPay auto-detects it and pays the operator after 30 days. No forms, no evidence packs, no underwriter review.

Auto-detected — no claim to file
Payout within 30 days of missed payment
CasaPay handles tenant recovery

RECOMMENDED

ON-TIME tier · 2.5%

Paid on the due date, every time

The operator receives payment on the invoice due date regardless of whether the tenant has paid. Zero cash-flow gaps, zero uncertainty.

Proactive — paid before tenant is even late
Eliminates cash-flow gaps entirely
CasaPay handles tenant recovery

Deposit elimination

No more DPS/TDS compliance. Guarantee replaces the deposit entirely, reducing admin and friction.

Every invoice, not just rent

Rent, cleaning fees, damages, service charges, add-ons — if it's invoiced through CasaPay, it's guaranteed.

How it works

Three steps. No deposit. Full protection.

Tenant is screened

Identity verification, affordability check, and risk scoring happen automatically during onboarding.

Agreement is created

A payment agreement is created via API. No deposit required from the tenant, no DPS registration needed.

CasaPay pays — automatically

ON-TIME: Operator is paid on the invoice due date, every time.

COVER: Payout triggers automatically after 30 days. No claim form.

Both tiers: CasaPay handles tenant recovery.

What happens when a tenant misses a payment?

Two very different experiences.

Traditional rent guarantee insurance

1 Notice the tenant is late and start documenting
2 Fill out a claim form with supporting evidence
3 Underwriter reviews your claim for weeks
4 Claim may be denied or disputed
5 Maybe a partial settlement, maybe nothing

Timeline: 4–12 weeks. Outcome: uncertain.

CasaPay guarantee

ON-TIME tier

1 Due date arrives. CasaPay pays you. Done.

Timeline: 0 days. Outcome: guaranteed.

COVER tier

1 Missed payment auto-detected by CasaPay
2 Automatic payout after 30 days. No claim form.

Timeline: 30 days. Outcome: guaranteed.

One API call to set up a guarantee

Integrate guarantee into your platform in minutes.

POST /v1/guarantee_policies

// Covers all invoices: rent, cleaning, damages, add-ons
$ curl -X POST https://api.test.casapay.com/v1/guarantee_policies \
  -H "Authorization: Bearer sk_live_..." \
  -d '{
    "tenant_id": "tnt_abc123",
    "property_id": "prop_xyz789",
    "monthly_rent": 1200,
    "currency": "GBP",
    "type": "on_time",
    "term_months": 12
  }'

Traditional insurance vs. CasaPay

Claim-and-hope or guaranteed payout?

	Traditional (HomeLet etc.)	CasaPay COVER	CasaPay ON-TIME
When you get paid	File claim, wait weeks, hope	Auto after 30 days	On due date, every time
Claims process	Manual form, evidence, underwriter	None — auto-detected	None — paid before late
What's covered	Rent only	All invoices	All invoices
Cost	3–6% of annual rent	1.5%	2.5%
Deposit admin	DPS/TDS required	Zero — deposit eliminated	Zero — deposit eliminated
Debt recovery	Your problem	CasaPay handles it	CasaPay handles it

Built for modern operators

Eliminating deposit schemes

Operators moving away from traditional deposits. Remove DPS/TDS admin entirely and covers every invoice — rent, cleaning, damages.

International tenants

No UK guarantor needed. Accept international tenants confidently with CasaPay acting as the guarantee layer.

Build-to-rent at scale

Guaranteed on-time payments and predictable cash flow across hundreds of units. API-first integration with your PMS or custom platform.

Every invoice guaranteed. Every payout on time.