Property Management Software

Rent Collection Software for Landlords

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Miles Lerner

Rent Collection Software for Landlords

A Practical Guide to Faster Payments, Fewer Late Rents, and Predictable Cash Flow

Manual rent collection creates friction for both landlords and tenants. Paper checks, late payments, manual follow-ups, and scattered records consume time and introduce unnecessary stress. As economic conditions tighten and household budgets fluctuate, landlords face increasing uncertainty around on-time payments and cash flow consistency.

This article is part of our complete property management software guide for independent landlords.

Rent collection software for landlords replaces manual processes with a centralized, automated system for accepting payments, sending reminders, enforcing lease rules, and tracking records. This guide explains how rent collection software works, how to implement it effectively, and how landlords can avoid common mistakes while modernizing rent operations.

Rent collection is one part of the bigger property management workflow. Once rent tracking is organized, the next bottlenecks are usually lease tracking and maintenance follow-ups. That’s why many landlords start with payments and then move into a complete system.

What Is Rent Collection Software?

Rent collection software is a digital platform that allows landlords to collect rent online and manage payment workflows in one place. Instead of handling checks, deposits, and manual ledgers, landlords use software to automate the rent lifecycle.

Core capabilities typically include:

  • Online rent payments (ACH, debit, and credit cards)

  • Automated reminders and autopay options

  • Payment tracking and reconciliation

  • Digital receipts and audit trails

For landlords managing any number of units, rent collection software turns rent day into a predictable, low-effort process.

Why Landlords Are Moving to Rent Collection Software

Tenant payment preferences have shifted rapidly toward digital methods. At the same time, landlords want fewer late payments, clearer records, and less manual reconciliation. Manual systems struggle to meet both needs.

Rent collection software helps landlords:

  • Reduce late payments without personal follow-ups

  • Improve payment predictability

  • Maintain clean, time-stamped records

  • Spend less time on rent administration

As online payments become the norm, software adoption is no longer optional for landlords who want operational stability.

Shuk vs. Venmo, Zelle, PayPal, Cash App, and manual methods

How the most common rent collection methods stack up on fees, speed, automation, and the things landlords need at tax time.

Feature
Shuk
Venmo
Zelle
PayPal
Cash App
Cash / Check / MO
Landlord-side fee
$0 per payment
1.9% + $0.10 on business profiles (required by TOS for rent)
$0 (bank-to-bank)
2.99% + $0.49 on Goods & Services
2.75% on business accounts
$0 to $5 (returned check; money-order purchase)
Tenant-side fee
$0 ACH on every plan
1.75% instant cash-out fee for quick access
$0
2.9% + $0.49 on card-funded payments
1.5% instant deposit fee
$1 to $5 money-order fee; time + transit cost
Funds-available speed
1 to 2 business days, every payment
1 to 3 business days standard
Minutes (typically same day)
1 to 3 business days standard
1 to 3 business days standard
Check clearing 2 to 5 days; cash immediate but in-hand
Recurring rent / autopay
YesBuilt in, per lease
NoTenant initiates each time
NoTenant initiates each time
LimitedSubscriptions (business only)
NoTenant initiates each time
NoTenant must remember + deliver
Automatic late fees
YesApplied per the lease
No
No
No
No
No
Lease tied to payment record
YesLinked to signed lease + unit
No
No
No
No
No
Tenant screening
YesCredit, background, eviction
No
No
No
No
No
Dispute / chargeback risk
LowACH rail with audit trail
Purchase Protection on G&S only
HighIrreversible; CFPB flagged Zelle fraud
180-day Buyer Protection on G&S
Limited dispute protection
Bounced-check risk; cash has no trail
Tax-ready records (Schedule E)
YesPer-unit, per-tenant, CPA-ready
ManualExport CSVs, reconcile
ManualBank statement reconciliation
ManualExport reports, reconcile
ManualExport CSVs, reconcile
NoShoebox of receipts
1099-K reporting risk
Clean rent-only payment rail
Personal-account rent violates Venmo TOS; business account triggers 1099-K
Bank-to-bank, no 1099-K
G&S transactions feed 1099-K
Business account triggers 1099-K
No third-party 1099-K; still self-reported
Per-payment / monthly limits
None for normal portfolios
$6,999.99 weekly send limit on personal
$500 to $3,500 per day depending on bank
$10,000 per tx (verified)
$7,500 per week (verified)
$1,000 max per money order
Best for portfolio size
1 to 200 units
1 unit, friends/family tenant
1 to 3 units, partner-bank tenants
1 unit if you need G&S buyer protection
1 unit, tenant under 30 already on app
1 to 2 units, stable long-term tenants

Key Benefits of Rent Collection Software for Landlords

Automated Payments and Autopay

Autopay allows tenants to schedule recurring payments, reducing “forgot to pay” delays. When combined with automated reminders, landlords see higher on-time payment rates.

Benefits include:

  • Fewer late payments

  • Reduced tenant disputes

  • Consistent monthly cash flow

Autopay shifts rent collection from reactive to automatic.

Faster Payments and Clear Records

Online payments settle faster than checks and automatically update tenant ledgers.

This results in:

  • Immediate payment confirmation

  • Automatic receipts for tenants

  • Accurate, reconciled records

Manual data entry and end-of-month cleanup are significantly reduced.

Lease-Aligned Late Fees and Notices

Rent collection software enforces lease rules consistently. Late fees and notices are applied according to predefined settings.

Why this matters:

  • Removes emotional friction from enforcement

  • Keeps treatment consistent across tenants

  • Creates a clear audit trail

Consistency protects landlords during disputes.

Small portfolios benefit most when rent reminders and payment history sit inside property management software for small landlords, so nothing gets missed.

Centralized Communication and Transparency

Payment reminders, receipts, and notices are stored within the platform, tied to each tenant and billing period.

Benefits include:

  • Reduced misunderstandings

  • Documented communication history

  • Fewer off-platform payment conversations

This keeps rent-related communication professional and traceable.

How to Implement Rent Collection Software Successfully

Choose the Right Platform

Start by identifying non-negotiable features:

  • ACH payments with autopay

  • Automated reminders

  • Ledger auto-posting

  • Exportable reports

The right platform should automate at least three manual steps in your current rent process.

Configure Payment Options Thoughtfully

ACH is typically the most cost-effective and reliable option for recurring rent payments. Card payments can be offered as a fallback.

Best practices:

  • Set ACH as the default option

  • Clearly disclose card processing fees

  • Provide guidance during tenant onboarding

Clear setup reduces adoption friction.

Automate Reminders and Notices

A structured reminder cadence keeps tenants informed without confrontation.

Typical cadence:

  • Friendly reminder before due date

  • Due-date notification

  • Post-grace-period notice

Neutral, automated messaging maintains professionalism.

Reconcile Payments and Monitor Exceptions

Good rent collection software automatically matches payments to tenants and billing periods.

Landlord best practices:

  • Review exceptions weekly

  • Address failed payments promptly

  • Keep all records inside the platform

Automation reduces accounting errors.

Who Should Use Rent Collection Software?

Rent collection software is ideal for:

  • Independent landlords

  • Small and mid-size property owners

  • Landlords managing multiple properties

  • Anyone moving away from checks and spreadsheets

If rent collection requires manual tracking or frequent follow-ups, software delivers immediate value.

Frequently Asked Questions (FAQs)

What is rent collection software for landlords?

Rent collection software is a digital tool that allows landlords to accept online rent payments, automate reminders, and track payment records in one system.

Is online rent collection safe?

Online rent collection is secure when provided by reputable platforms using encryption, audit logs, and compliance standards.

Can tenants use autopay for rent?

Yes. Most rent collection platforms allow tenants to set up recurring autopay schedules aligned with their pay cycles.

Does rent collection software reduce late payments?

Yes. Automated reminders and autopay significantly improve on-time payment rates.

Can landlords accept partial payments?

Some platforms support partial payments, but landlords should configure policies carefully based on lease terms and local regulations.

Final Note

Rent collection software helps landlords replace unpredictable, manual payment processes with a structured, automated system. By centralizing payments, reminders, records, and enforcement, landlords gain clearer cash flow visibility and spend less time managing rent logistics.

To understand how rent collection fits into the full product, check rental property management software features.

Platforms like Shuk Rentals support landlords by integrating online rent collection into a broader rental management workflow-helping rent payments stay consistent, documented, and aligned with the rest of property operations.

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Rent Collection Software for Landlords

A Practical Guide to Faster Payments, Fewer Late Rents, and Predictable Cash Flow

Manual rent collection creates friction for both landlords and tenants. Paper checks, late payments, manual follow-ups, and scattered records consume time and introduce unnecessary stress. As economic conditions tighten and household budgets fluctuate, landlords face increasing uncertainty around on-time payments and cash flow consistency.

This article is part of our complete property management software guide for independent landlords.

Rent collection software for landlords replaces manual processes with a centralized, automated system for accepting payments, sending reminders, enforcing lease rules, and tracking records. This guide explains how rent collection software works, how to implement it effectively, and how landlords can avoid common mistakes while modernizing rent operations.

Rent collection is one part of the bigger property management workflow. Once rent tracking is organized, the next bottlenecks are usually lease tracking and maintenance follow-ups. That’s why many landlords start with payments and then move into a complete system.

What Is Rent Collection Software?

Rent collection software is a digital platform that allows landlords to collect rent online and manage payment workflows in one place. Instead of handling checks, deposits, and manual ledgers, landlords use software to automate the rent lifecycle.

Core capabilities typically include:

  • Online rent payments (ACH, debit, and credit cards)

  • Automated reminders and autopay options

  • Payment tracking and reconciliation

  • Digital receipts and audit trails

For landlords managing any number of units, rent collection software turns rent day into a predictable, low-effort process.

Why Landlords Are Moving to Rent Collection Software

Tenant payment preferences have shifted rapidly toward digital methods. At the same time, landlords want fewer late payments, clearer records, and less manual reconciliation. Manual systems struggle to meet both needs.

Rent collection software helps landlords:

  • Reduce late payments without personal follow-ups

  • Improve payment predictability

  • Maintain clean, time-stamped records

  • Spend less time on rent administration

As online payments become the norm, software adoption is no longer optional for landlords who want operational stability.

Shuk vs. Venmo, Zelle, PayPal, Cash App, and manual methods

How the most common rent collection methods stack up on fees, speed, automation, and the things landlords need at tax time.

Feature
Shuk
Venmo
Zelle
PayPal
Cash App
Cash / Check / MO
Landlord-side fee
$0 per payment
1.9% + $0.10 on business profiles (required by TOS for rent)
$0 (bank-to-bank)
2.99% + $0.49 on Goods & Services
2.75% on business accounts
$0 to $5 (returned check; money-order purchase)
Tenant-side fee
$0 ACH on every plan
1.75% instant cash-out fee for quick access
$0
2.9% + $0.49 on card-funded payments
1.5% instant deposit fee
$1 to $5 money-order fee; time + transit cost
Funds-available speed
1 to 2 business days, every payment
1 to 3 business days standard
Minutes (typically same day)
1 to 3 business days standard
1 to 3 business days standard
Check clearing 2 to 5 days; cash immediate but in-hand
Recurring rent / autopay
YesBuilt in, per lease
NoTenant initiates each time
NoTenant initiates each time
LimitedSubscriptions (business only)
NoTenant initiates each time
NoTenant must remember + deliver
Automatic late fees
YesApplied per the lease
No
No
No
No
No
Lease tied to payment record
YesLinked to signed lease + unit
No
No
No
No
No
Tenant screening
YesCredit, background, eviction
No
No
No
No
No
Dispute / chargeback risk
LowACH rail with audit trail
Purchase Protection on G&S only
HighIrreversible; CFPB flagged Zelle fraud
180-day Buyer Protection on G&S
Limited dispute protection
Bounced-check risk; cash has no trail
Tax-ready records (Schedule E)
YesPer-unit, per-tenant, CPA-ready
ManualExport CSVs, reconcile
ManualBank statement reconciliation
ManualExport reports, reconcile
ManualExport CSVs, reconcile
NoShoebox of receipts
1099-K reporting risk
Clean rent-only payment rail
Personal-account rent violates Venmo TOS; business account triggers 1099-K
Bank-to-bank, no 1099-K
G&S transactions feed 1099-K
Business account triggers 1099-K
No third-party 1099-K; still self-reported
Per-payment / monthly limits
None for normal portfolios
$6,999.99 weekly send limit on personal
$500 to $3,500 per day depending on bank
$10,000 per tx (verified)
$7,500 per week (verified)
$1,000 max per money order
Best for portfolio size
1 to 200 units
1 unit, friends/family tenant
1 to 3 units, partner-bank tenants
1 unit if you need G&S buyer protection
1 unit, tenant under 30 already on app
1 to 2 units, stable long-term tenants

Key Benefits of Rent Collection Software for Landlords

Automated Payments and Autopay

Autopay allows tenants to schedule recurring payments, reducing “forgot to pay” delays. When combined with automated reminders, landlords see higher on-time payment rates.

Benefits include:

  • Fewer late payments

  • Reduced tenant disputes

  • Consistent monthly cash flow

Autopay shifts rent collection from reactive to automatic.

Faster Payments and Clear Records

Online payments settle faster than checks and automatically update tenant ledgers.

This results in:

  • Immediate payment confirmation

  • Automatic receipts for tenants

  • Accurate, reconciled records

Manual data entry and end-of-month cleanup are significantly reduced.

Lease-Aligned Late Fees and Notices

Rent collection software enforces lease rules consistently. Late fees and notices are applied according to predefined settings.

Why this matters:

  • Removes emotional friction from enforcement

  • Keeps treatment consistent across tenants

  • Creates a clear audit trail

Consistency protects landlords during disputes.

Small portfolios benefit most when rent reminders and payment history sit inside property management software for small landlords, so nothing gets missed.

Centralized Communication and Transparency

Payment reminders, receipts, and notices are stored within the platform, tied to each tenant and billing period.

Benefits include:

  • Reduced misunderstandings

  • Documented communication history

  • Fewer off-platform payment conversations

This keeps rent-related communication professional and traceable.

How to Implement Rent Collection Software Successfully

Choose the Right Platform

Start by identifying non-negotiable features:

  • ACH payments with autopay

  • Automated reminders

  • Ledger auto-posting

  • Exportable reports

The right platform should automate at least three manual steps in your current rent process.

Configure Payment Options Thoughtfully

ACH is typically the most cost-effective and reliable option for recurring rent payments. Card payments can be offered as a fallback.

Best practices:

  • Set ACH as the default option

  • Clearly disclose card processing fees

  • Provide guidance during tenant onboarding

Clear setup reduces adoption friction.

Automate Reminders and Notices

A structured reminder cadence keeps tenants informed without confrontation.

Typical cadence:

  • Friendly reminder before due date

  • Due-date notification

  • Post-grace-period notice

Neutral, automated messaging maintains professionalism.

Reconcile Payments and Monitor Exceptions

Good rent collection software automatically matches payments to tenants and billing periods.

Landlord best practices:

  • Review exceptions weekly

  • Address failed payments promptly

  • Keep all records inside the platform

Automation reduces accounting errors.

Who Should Use Rent Collection Software?

Rent collection software is ideal for:

  • Independent landlords

  • Small and mid-size property owners

  • Landlords managing multiple properties

  • Anyone moving away from checks and spreadsheets

If rent collection requires manual tracking or frequent follow-ups, software delivers immediate value.

Frequently Asked Questions (FAQs)

What is rent collection software for landlords?

Rent collection software is a digital tool that allows landlords to accept online rent payments, automate reminders, and track payment records in one system.

Is online rent collection safe?

Online rent collection is secure when provided by reputable platforms using encryption, audit logs, and compliance standards.

Can tenants use autopay for rent?

Yes. Most rent collection platforms allow tenants to set up recurring autopay schedules aligned with their pay cycles.

Does rent collection software reduce late payments?

Yes. Automated reminders and autopay significantly improve on-time payment rates.

Can landlords accept partial payments?

Some platforms support partial payments, but landlords should configure policies carefully based on lease terms and local regulations.

Final Note

Rent collection software helps landlords replace unpredictable, manual payment processes with a structured, automated system. By centralizing payments, reminders, records, and enforcement, landlords gain clearer cash flow visibility and spend less time managing rent logistics.

To understand how rent collection fits into the full product, check rental property management software features.

Platforms like Shuk Rentals support landlords by integrating online rent collection into a broader rental management workflow-helping rent payments stay consistent, documented, and aligned with the rest of property operations.

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     "acceptedAnswer": {
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       "text": "The best rent collection software for landlords in 2026 depends on portfolio size. For small landlords (1-10 units), Shuk Rentals and TurboTenant offer free ACH rent collection with autopay. For medium portfolios (10-50 units), RentRedi and Avail add features like late fee automation and payment tracking. For large portfolios (50+ units), Buildium and AppFolio provide full accounting integration. Key features to compare: ACH fees (free to $2/transaction), autopay support, late fee automation, and real-time payment notifications."
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Stop Reacting to Vacancies. Start Seeing Them Coming.

Shuk helps landlords and property managers get ahead of vacancies, improve renewal visibility, and bring more predictability to every lease cycle.

Book a demo to get started with a free trial.

Stay in the Shuk Loop

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Rent Collection Hub
How to Set Up Rent Autopay: A Step-by-Step Guide for Landlords

Manual rent collection creates predictable, avoidable problems: late payments, messy reconciliation, and conversations that should not need to happen. Autopay does not eliminate tenant payment issues, but it converts them from passive surprises into visible, documented events you can act on the same day.

This guide covers why autopay works, what to look for in a platform, how to present it to tenants, and how to complete the setup in Shuk from start to first payment.


1. Why Autopay Solves the Real Problem (Not Just "Going Digital")

Autopay is not about modernizing for its own sake. It removes the failure points that cause late rent.

Predictable deposits and fewer forgotten payments. When rent is scheduled, the biggest cause of chronic lateness - forgetting or delaying - shrinks. Industry tracking consistently shows that a meaningful share of households are not paid by early-month checkpoints, which is why rent timing matters for owner cash flow. Autopay shifts rent from a task the tenant has to remember to a default that runs without action.

Cleaner records without manual reconciliation. Manual tracking with checks creates delays and increases errors. Autopay platforms generate receipts and payment histories automatically - useful for accounting, late-fee documentation, and tax time.

Less awkward communication. Peer-to-peer payment apps (Venmo, Zelle, cash) blur the line between casual and formal, making enforcement conversations harder. A dedicated platform establishes a professional channel with a documented record for every payment, every month.


2. What to Look for in a Rent Collection Platform

Before choosing a platform, check it against what actually breaks down in practice:

No ACH fees (or at least no surprise fees). ACH is widely considered more cost-effective than card rails for routine rent transfers. If ACH is the default payment method, landlord economics improve - especially across multiple units.

Fast deposits and clear payment status. You want fewer days in limbo and an obvious status indicator for each tenant's payment. A platform that tells you "paid," "processing," or "failed" the same day saves you from chasing information.

Mobile-friendly tenant setup. Most adoption failures are usability failures, not philosophical ones. Tenants should be able to enroll from their phone in a few minutes.

Automatic receipts and a downloadable ledger. The record exists whether or not you request it, and it is filterable by property, tenant, and date.

Late-fee automation you control. You set the rules - flat fee, per-day logic, grace period - and the platform applies them consistently. Consistent enforcement is more effective than case-by-case judgment calls, and it removes the interpersonal friction from a standard lease term.

Where Shuk fits: Shuk is built around these criteria. Online rent collection with zero ACH transaction fees means bank transfer is always free for tenants. Autopay enrollment lets tenants set it up once from their phone. Configurable late fees are applied automatically based on the rules you set in the lease. Payment and income reports are filterable by property, tenant, and date and exportable to PDF or Excel.


3. How to Present Autopay to Tenants (and Handle Security Concerns)

Tenant adoption is the whole game. The best rollout frames autopay as a convenience and a protection for both parties.

A simple script that works

"Starting next month, rent will be paid through Shuk. You can set up autopay once, and you'll get a receipt each month. It's free to pay by bank transfer (ACH), and it helps keep payments on time and records clean."

Security talking points (without getting technical)

"ACH" is a bank-to-bank transfer network used for routine payments every day - payroll, utility bills, mortgage payments. It is not sharing a bank password. Tenants link their bank account to schedule payments; the platform does not retain login credentials.

For tenants who want more context, the CFPB has published resources on rental payment systems and modern payment rails that explain how ACH-based platforms work within the existing regulatory framework. NACHA, which governs ACH rules and standards, is also a credible reference point for tenants who want to understand the network they are using.

Handling objections

  • "I prefer to pay by check." Acknowledge the preference, then explain that autopay actually gives them more control: they can see the payment status in real time and receive a receipt immediately, rather than waiting for a check to clear.
  • "What if I need to change the amount one month?" Walk them through the platform's process for updating autopay settings before the draft date.
  • "Is my bank information safe?" Explain that the platform uses the same type of bank-linking technology as payroll direct deposit, not a stored password.

4. Step-by-Step: Set Up Autopay in Shuk (Landlord + Tenant)

Below is a practical walkthrough for getting from signup to first payment.

Step 1 - Create your Shuk account and connect payouts

  1. Sign up for a Shuk landlord account.
  2. Add the bank account where you want deposits to land (your payout account).
  3. Confirm your identity and business details if prompted.

Goal: deposits go to the right place from the first payment.

Step 2 - Add your property and units

  1. Tap Add Property.
  2. Enter the property nickname and address.
  3. Create each unit (Unit 1A, Unit 2, etc.).

Tip: use unit names that match your lease and bookkeeping so records align.

Step 3 - Add tenants and lease terms

  1. Open the unit and select Add Tenant.
  2. Enter the tenant's name and email or phone.
  3. Set the monthly rent amount, due date, grace period (if your lease includes one), and late fee rule (flat fee or per-day logic).

This step locks in the payment schedule and enforcement rules so the platform can apply them automatically - no manual calculation each month.

Step 4 - Invite tenants to enroll in autopay

  1. Send the invitation through Shuk's tenant portal or via the in-app messaging channel.
  2. The tenant receives a link to create their account and connect their bank.
  3. Once connected, they confirm autopay enrollment.

Tip: send the invitation 10-14 days before the first due date so tenants have time to set up without a last-minute scramble.

Step 5 - Verify the first payment

  1. Log in on or just after the due date and confirm the payment status shows as received or processing.
  2. Check your payout account a few days later to confirm deposit timing.
  3. Once confirmed, the workflow is set - the same cycle repeats automatically each month.

5. What to Do If Autopay Fails (and How to Keep It Professional)

Autopay does not eliminate payment issues - it makes them visible faster and easier to manage.

Common causes

  • NSF (non-sufficient funds) in the tenant's account
  • Bank connection issue or changed account number
  • Tenant manually paused autopay

A calm, effective playback

  1. Same-day notification: "Shuk shows the payment did not go through. Please re-try today to avoid late fees per the lease."
  2. Use the platform's reminder tools rather than emotional texts. Consistency lowers conflict.
  3. Apply late fees automatically if your lease allows. Consistent enforcement is more effective than discretionary responses and removes the personal dynamic from a standard lease clause.
  4. Offer a reset path: "If you want to change your draft date to align with your payday, update your autopay settings today."

If a tenant is repeatedly delinquent, move to your formal notice process per your lease and local law. Autopay gives you a cleaner timeline and documentation trail for that escalation: every failed payment, every retry, and every communication is logged in one place.


FAQ

Does the tenant pay any fees to use Shuk for rent?

With Shuk, bank-to-bank ACH transfers are free for tenants. There are no transaction fees on the ACH payment method. Landlords pay a flat per-unit monthly fee that covers the platform. Tenants who prefer to pay by card may face a processing fee depending on platform settings, but ACH is always available at no cost.

What happens if a tenant does not want to set up autopay?

Autopay enrollment is the default recommendation because it reduces late payments and manual work for both parties. If a tenant declines, you can still collect rent through the platform manually - they log in and pay each month rather than having it pull automatically. The payment record and receipts work the same way either path. Over time, most tenants who initially resist autopay come around once they see the process is straightforward.

Can a tenant change their autopay settings after enrolling?

Yes. Tenants can update their linked bank account or change their payment date (within the bounds of the lease terms) through their tenant portal. The landlord is notified of changes. This flexibility is worth mentioning during rollout, as it addresses a common concern about being "locked in."


What to Do Next

Manual rent collection is a system built around hoping things go right. Checks get lost, payments get missed, and reconciliation takes time that most independent landlords do not have. Autopay converts rent from a monthly task into a monthly default.

Shuk supports the full rent collection workflow for independent landlords. Online rent collection with zero ACH transaction fees means the bank-transfer option is always free for tenants, removing the main friction point for enrollment. Configurable late fees applied automatically enforce lease terms consistently without a conversation every time a payment is late. And payment and income reports filterable by property, tenant, and date give you the documentation you need for accounting and - if it comes to it - formal notices.

At as low as $2.00 per unit per month, billed annually with no setup fees and no contract, and with White Glove Onboarding included at no additional cost, Shuk makes structured rent collection feasible for landlords and property managers running 1 to 100 units.

Book a demo at shukrentals.com/book-a-demo to see how online rent collection, autopay enrollment, and automatic late-fee logic work together so rent is predictable, documented, and professional every month.


Property Marketing
Rental Listing Optimization: A Step-by-Step Playbook to Reduce Vacancy Risk

Rental Listing Optimization: A Step-by-Step Playbook to Reduce Vacancy Risk

A well-maintained property can still sit vacant for weeks if your listing does not convert. Most vacancy pain is not about the unit itself. It is about visibility from low marketplace ranking, clarity from vague copy and missing details, or pricing that attracts the wrong clicks. In today's rental market, your listing is the first showing and renters make decisions in seconds.

The data is clear: renters engage more when listings include rich visuals and unit-specific detail. Multimedia is now standard, not optional. On one major marketplace, listings average 33 photos and 69% include a 3D tour. A five-photo listing is competing against a full digital walkthrough. If you are under 20 photos or missing a floor plan, you are likely below the market's visual standard.

This guide gives you a practical, repeatable workflow to optimize pricing, headlines, descriptions, visuals, syndication, timing, compliance, and responsiveness so you attract qualified tenants faster and reduce vacancy time.

Why "Good Enough" Listings Cost You Real Money

Vacancy is expensive beyond lost rent. You pay utilities, maintain the property, coordinate turnover, and spend time answering unqualified inquiries. The frustrating part: many landlords work harder with more showings and more messages when what they actually need is a better listing funnel that pre-qualifies, converts, and stays visible.

Marketing also carries legal risk. Fair Housing advertising rules apply to headlines, descriptions, and even the implications of your wording. The Fair Housing Act prohibits ads that indicate a preference or limitation tied to protected classes. HUD's implementing regulation at 24 C.F.R. §100.75 provides guidance on prohibited practices and how regulators interpret discriminatory language. HUD has also issued guidance emphasizing that Fair Housing obligations apply in digital advertising environments including algorithmic systems. In practical terms, the wrong phrase such as "perfect for singles," "no kids," or "quiet professionals" can create legal exposure.

Example: A small operator with 12 units posts a "cozy 1BR, ideal for a young professional" with 10 dim photos. They receive 45 inquiries in 48 hours but only 4 meet income and move-in timing requirements. After rewriting the copy to be unit-specific, adding a 3D tour, and syndicating broadly, inquiries drop to 25, but 12 are qualified and tours convert faster. That is the goal: fewer tire-kickers, faster approvals.

The Four Levers That Control Speed to Lease

A high-performing listing does four jobs simultaneously.

Visibility means your listing shows up where renters search and ranks well once it is there. Marketplace search tends to reward completeness, fresh activity through updates and edits, and engagement signals like clicks, saves, and contacts. Some marketplaces publish optimization checklists emphasizing unit-specific detail and multimedia as lead-quality drivers.

Relevance means your headline, price, and top photo match what your best tenant is filtering for. If you miss key filters like bed and bath count, pet policy, parking, in-unit laundry, air conditioning type, and fee transparency, you either will not appear in the right searches or will attract the wrong clicks.

Trust means renters feel confident the listing is legitimate and accurately represents the unit. Trust is built with consistent details, unit-specific photos, clear fee disclosure, and a professional process including fast responses, defined screening steps, and a legitimate application flow. Multimedia reduces uncertainty and sets expectations before the showing.

Timing means listings are not set and forget. If your market is seasonal or competitive, you need a refresh cadence and pricing checkpoints. Conditions change month to month, and landlords who monitor local shifts can adjust faster than those who list once and wait.

A Practical Eight-Step Optimization System

Step 1. Price for Conversion, Not Just Top Dollar

Pricing is your strongest lever because it affects both search filters and perceived value. Start with comps that match the renter's mental comparison set: same bed and bath count, similar square footage, similar parking, similar pet policy, similar renovations, and similar neighborhood access. Then layer in seasonality.

A practical framework: Use the median of four to eight close comparable rentals as your anchor price. Add or subtract for high-impact items renters filter on, including in-unit laundry, included parking, included utilities, and private outdoor space. If you need the unit leased within ten days, price slightly below the top comparable to buy speed.

Example: Your two-bedroom has in-unit laundry worth $75 to $125 in many markets, but no parking worth minus $50 to $150 depending on the area. If comparable rents average $2,100, landing at $2,095 instead of $2,200 can meaningfully reduce days vacant.

Set a decision timer: if you do not hit your target lead volume in five to seven days, adjust price or improve visuals before burning another week waiting.

Step 2. Write a Headline That Wins the Click Without Fair Housing Risk

Headlines are your micro-ad. They should communicate the top value in under approximately 70 characters while staying objective and compliant.

Do: Lead with differentiators renters actively filter for, such as "Renovated 2BR + In-Unit Laundry + Parking." Use location signals neutrally with phrasing like "Near Downtown, Minutes to Transit." Geographic references are generally safer than demographic ones. Include a concrete hook such as move-in special, new appliances, or private yard.

Avoid: Anything that implies preference for a type of person. Fair Housing advertising rules prohibit indicating preference or limitation based on protected characteristics. Guidance documents with words and phrases to avoid highlight how seemingly harmless phrasing can imply discrimination.

Before and after: "Quiet professionals only, no kids" is not compliant. "Top-floor 2BR with sound-insulated windows and reserved parking" describes the unit, not the desired tenant.

Build a headline formula you reuse: unit type plus top two features plus location or proximity. Then test two versions by refreshing weekly.

Step 3. Use AI to Draft a Unit-Specific Description, Then Edit for Accuracy

A strong description reduces wasted showings and increases qualified applications because it answers the renter's real questions: what is it like to live here, and what will it cost all-in?

AI description tools are now mainstream in rental marketing. The key is to use AI as a first draft, not the final voice.

A practical workflow: Feed AI your bullet facts rather than marketing language, including exact bed and bath count, square footage, floor level, laundry setup, parking, pet policy, utilities included, fees, lease length, deposit amount, availability date, and six to ten standout features. Ask for a structured output: a short opening paragraph, feature bullets, a cost and lease terms section, and how to schedule a tour. Edit for unit specificity, removing generic property claims that renters cannot verify, and run a Fair Housing compliance review to remove any tenant-type language or subjective gatekeeping terms.

Example: A landlord managing six doors used to write "cute unit in safe neighborhood." After switching to AI-assisted structure, the description became: "Second-floor 1BR, 720 sq ft, updated kitchen, dishwasher, in-building laundry, heat included, $45 application fee, cats OK." Showings became more productive because expectations matched reality before the tour.

Add a "Cost Clarity" block to every listing covering rent, deposits, pet fees, parking, and utilities. Transparency reduces low-intent leads.

Step 4. Upgrade Visuals to Marketplace Standards

Visuals are no longer optional. The average listing averages 33 photos and 69% of listings include at least one 3D tour. That is your competitive baseline.

Photo standards: Shoot in daylight with lights on and blinds open. Use a wide lens carefully to avoid distortion that misrepresents size. Capture the decision points renters care about: kitchen appliances and counter space, closets, bathroom vanity and shower, laundry setup, parking, entry, and any outdoor area. Keep photos unit-specific rather than using building or neighborhood shots as substitutes.

3D tours and video: 3D tours increase engagement and help qualify leads because renters self-select before requesting a showing. Listings with 3D tours are associated with stronger interaction and more qualified inquiries. Video tours matter because consumer behavior favors motion walkthroughs, and renters increasingly expect to preview a unit in motion before requesting an in-person showing.

Floor plans: A simple floor plan reduces "will my furniture fit?" uncertainty. It also helps remote renters and relocation tenants move faster without requiring an in-person preview.

Build a visual minimum: 25 to 40 photos, one 3D tour or video walkthrough, and a basic floor plan. If you can only do one upgrade, add a walkthrough because it pre-qualifies at scale.

Step 5. Syndicate Across Marketplaces Without Duplicating Your Work

Even a perfect listing fails if it is only posted in one place. Renters browse multiple marketplaces, and syndication collects leads from where renters already are.

The challenge for small operators is execution. Manual posting creates inconsistencies with old pricing on one site and missing pet policy on another, and inconsistent data reduces trust. A platform with multi-marketplace syndication solves two problems: one source of truth for rent, fees, availability, and policies, and the ability to publish and update everywhere simultaneously.

Syndication rules have also changed over time. Relying on free distribution from a single channel can be risky. Build a repeatable channel strategy that you control rather than one that depends on a marketplace not changing its policies.

A practical channel strategy: Primary marketplaces for your region plus your own listing page for year-round visibility. Refresh content weekly. Use one tracked phone number or email address per property to measure where leads originate.

If you manage more than approximately five units, syndication is not just marketing. It is risk control. One update should update everywhere.

Step 6. Time Your Launch and Set a Refresh Cadence

Marketplaces tend to reward active listings that are complete, recently updated, and generating engagement. Even when algorithms differ, the behavioral reality is simple: renters sort by new or click what looks current.

A cadence you can maintain: On launch day, publish with full visuals and complete fields. On days three and four, if views are low, improve the top photo and headline first since these are the highest-leverage quick fixes. On days five through seven, if views are good but leads are low, rewrite the opening paragraph and clarify fees and terms. On days seven through ten, if leads are good but tours are low, add a walkthrough video and tighten showing windows. Weekly, refresh two to three photos by reordering so the best images lead, adjust the headline, and confirm the availability date is accurate.

Example: A manager in a competitive submarket noticed high views but low leads. They swapped the hero photo from a dark exterior shot to a bright kitchen angle, rewrote the headline to include "In-Unit Laundry," and reposted mid-week. Leads improved without any rent reduction. Sometimes the fix is relevance, not price.

Put a recurring calendar block for listing refreshes. Consistency beats sporadic panic edits.

Step 7. Build Fair Housing Compliance Into Your Listing Workflow

Compliance is part of professional operations, not a legal checkbox. Federal law prohibits discriminatory statements in housing ads. The Fair Housing Act at 42 U.S.C. §3604(c) and HUD regulations outline that you cannot indicate preference or limitation based on protected characteristics.

In practice: Describe the property, not the desired person. "Two-bedroom unit with fenced yard" is safer. "Perfect for families" implies familial status preference and creates exposure. Use objective accessibility language when relevant, for example "step-free entry" or "wheelchair accessible," and invite accommodation discussions without narrowing who can apply. Avoid coded phrases flagged in Fair Housing word and phrase guidance, including "no kids," "ideal for singles," and similar language.

Digital advertising scrutiny has increased. The DOJ settlement with Meta and HUD guidance both underscore that discriminatory ad delivery and targeting are enforcement priorities in digital environments. Even without buying ads, your listing language can create risk.

Use a forbidden words filter as part of your publish review, and keep an archive of what you posted and when.

Step 8. Respond Fast, Track Leads, and Use Vacancy Insights to Fix Bottlenecks

Most landlords focus on views, but conversion happens in the inbox. A high-performing listing pairs strong marketing with strong follow-through.

Operational best practices: Reply within business hours as fast as possible. Renters often contact multiple listings in a single session and delays lose tours. Use a short pre-qualifying script covering target move-in date, number of occupants, pets, income and verification readiness, and desired tour time. Standardize showing windows and use scheduling links when possible.

Add the analytics layer. High views with low leads indicates a weak headline, weak hero photo, or missing key fields. High leads with low tours indicates unclear screening criteria, slow responses, or a confusing showing process. High tours with low applications indicates an expectation gap from photos being too flattering, a pricing mismatch, or undisclosed costs.

Track every lead source and outcome: inquiry to tour to application to approved. Your data becomes a playbook for every future vacancy.

Rental Listing Optimization Checklist

Pricing and terms: Rent set using four to eight comparables with seasonality considered. Deposit, lease length, fees, utilities, parking costs, and availability date all clearly stated. Showing windows defined.

Headline: Format is unit type plus top two features plus location or proximity. No tenant-type language implying preferences. One hook only.

Description: Unit-specific details included covering floor, layout, laundry, parking, HVAC, and storage. Structure follows opening paragraph, feature bullets, cost clarity, and tour call to action. Fair Housing review completed with coded or restrictive phrases removed. Accessibility notes are objective and invite accommodations appropriately.

Visuals: Minimum 25 to 40 photos that are bright, sharp, and unit-specific. One video walkthrough or 3D tour. Floor plan uploaded. First photo is the best single-frame decision shot, typically kitchen or living room.

Visibility: All listing fields fully completed including beds, baths, square footage, pets, and amenities. Multi-marketplace syndication enabled. Refresh cadence scheduled with weekly edits, reordered photos, and confirmed price and date.

Lead handling: Auto-reply or quick-response template ready. Pre-qualification script saved. Lead tracking enabled by source and stage outcome.

AI Description Prompt Template (copy and paste):

"Write a Fair Housing-compliant rental listing description for the unit below. Use a friendly, professional tone. Output: (1) two-sentence opener, (2) bullet features, (3) costs and terms block, (4) how-to-tour call to action. Do not mention ideal tenant types. Unit facts: [paste bed, bath, square footage, floor], [address area], [laundry], [parking], [pet policy], [utilities], [deposit and fees], [availability], [unique features], [nearby transit and landmarks]."

Frequently Asked Questions

How many photos do I really need?

Aim for marketplace competitive rather than minimum viable. Listings on major marketplaces average 33 photos and many include immersive media. In practice, 25 to 40 well-lit, unit-specific images is a strong target. Prioritize the kitchen, living room, main bedroom, bathrooms, closets, laundry, parking, and outdoor space. If you are short on time, capture fewer rooms from better angles. Blurry photos can hurt more than they help.

Do 3D tours actually matter, or are photos enough?

They matter more each year because renters want certainty before they spend time touring. On one major marketplace, 69% of listings feature at least one 3D tour, which signals widespread adoption rather than a niche feature. Tours also improve lead quality by helping renters self-select before requesting a showing. If you cannot do full 3D, a steady, well-lit video walkthrough is a strong substitute.

Can I use AI to write my listing without violating Fair Housing rules?

You can, but you remain responsible for compliance. The Fair Housing Act prohibits discriminatory statements in ads, and HUD has issued guidance emphasizing Fair Housing obligations in digital advertising environments including AI-driven systems. Use AI for structure and clarity, then run a forbidden words review before publishing.

If my listing is not getting leads, should I drop the rent immediately?

Not always. Diagnose first. Low views typically indicate a visibility problem from missing fields, a weak hero photo, or a poor headline rather than a price problem. High views with low inquiries suggest pricing or value messaging may need adjustment. Use weekly refreshes and track view-to-lead-to-tour conversion. Then adjust in controlled steps rather than making large cuts based on a short data window.

Book a demo to see how Shuk's AI description generator, multi-marketplace syndication, proactive vacancy insights, and year-round listing visibility work together so your next vacancy follows the same optimized process every time.

Rent Collection Hub
How to Collect Rent Online: A Step-by-Step Guide for Landlords

If You Are Still Collecting Rent by Cash or Check

If you are still collecting rent by cash or check, you know the monthly routine: coordinating drop-offs, making bank runs, tracking who paid (and when), and chasing the occasional "check's in the mail." The bigger issue is not just inconvenience. It is uncertainty. Paper payments make it harder to predict cash flow, enforce consistent due dates, and prove a clear payment history when questions come up.

Meanwhile, renters face real financial pressure. Nearly half of renter households are cost-burdened (spending 30% or more of income on housing) according to the U.S. Census Bureau. When budgets are tight, removing friction matters. A missed drop-off window or a delayed paycheck can quickly turn into late rent and late fees. The CFPB reported that the share of renters incurring late fees peaked at about 23% in early 2023 (declining to roughly 14% by late 2024), showing how common late-fee events can be during economic swings.

Note: This article provides general education about online rent collection, not financial advice. ACH processing terms, convenience fee regulations, and payment method requirements vary by platform, bank, and jurisdiction. Before changing payment terms, confirm your lease language and applicable rules.

Online rent collection will not fix every hardship, but it will remove avoidable friction, making it easier for tenants to pay on time and easier for you to run a predictable, low-admin rent cycle.

What You Will Learn

Switching to online rent collection is less about "new tech" and more about upgrading the most critical workflow in your business: getting paid reliably, documenting it automatically, and reducing the number of tenant follow-ups you have to do.

The data supports the move. Rentec Direct's 2025 report on the digital shift in rent payments found online payments are associated with fewer late payments: tenants who pay online were 23% less likely to pay late. Other property-management education resources point to meaningful reductions when you combine digital payments with autopay and reminders. Digital rent payments are becoming the norm: a Multifamily Dive report notes ACH is a leading rail for digital rent, representing 64.8% of digital transactions in one surveyed property-management base.

This guide walks you through exactly how to collect rent online, from choosing the right payment method (ACH vs. card), to setting up a platform, to onboarding tenants without pushback, to automating reminders and reconciliation.

Step 1: Choose the Right Payment Rails

Before you pick a platform, decide what you want to optimize: cost, speed, or tenant convenience.

ACH (bank-to-bank) is typically the most cost-effective for rent. Many rent-collection providers price ACH as a low, per-transaction cost (often cited around $0.26 to $0.50 in rent-payment contexts). NACHA, which governs the ACH Network, explains ACH is designed for high-volume, batch electronic payments. ACH transfers commonly settle in 1 to 3 business days, with Same Day ACH available in many cases.

Credit/debit cards can be convenient for tenants, but they are usually much more expensive due to interchange and processing. General industry guidance often places card processing in the roughly 2.5% to 3.5% range depending on card type and setup. Visa introduced a 1.43% rate for certain real-estate categories (MCC 6513) effective in 2024, and Mastercard has published rent-related interchange adjustments and documentation. In practice, the tenant or landlord may still pay more after processor markups, so treat interchange as a component, not your all-in rate.

Make ACH your default for rent (low-cost, predictable), and offer cards only if (a) the tenant pays the fee or (b) you can tolerate the cost as a service feature. If you charge "convenience fees," be careful: the CFPB has scrutinized unauthorized or improperly disclosed convenience fees in debt-collection contexts, reinforcing the importance of clear authorization and compliance.

Step 2: Set Platform Selection Criteria

When landlords say they want online rent collection, what they usually mean is: "I want to stop chasing payments and spreadsheets." Use these criteria to evaluate tools: Fees (are there ACH fees per payment? Are tenants charged to pay by bank transfer?). Automation (can tenants enable autopay? Can you schedule late-fee rules and payment reminders?). Tenant experience (is the UI simple enough for non-technical tenants? Is it mobile-friendly?). Tracking and export (can you reconcile by property/unit and export for bookkeeping?). Setup speed (how quickly can you connect your bank and start collecting?).

This is where Shuk stands out for independent landlords: it is built around zero ACH transaction fees, quick setup, and automation, so your default payment option does not punish you or your tenants with per-payment costs. (Always confirm any bank account service charges on your banking side; some business accounts charge for certain ACH services, depending on your bank's schedule and plan.)

Step 3: Prepare Your Bank and Policies

Before inviting tenants, lock down your rent-collection rules: Confirm the receiving bank account (use a dedicated account for rent if possible for clean bookkeeping). Define your "rent payment window" (due date, grace period, and when reminders go out). Decide how you will handle partial payments (accept or not, and under what rules). Write a simple policy for payment methods ("ACH is free; cards optional, fees may apply; cash/check only by exception").

Tenant confusion is a leading cause of "I thought I paid" disputes. Clean policies plus clear receipts reduce friction more than any feature.

Step 4: Set Up Your Account and Test It

Once you choose a platform, do a full "dry run": Create your landlord profile and add properties/units. Connect your bank account for payouts (most tools use verification steps). Create each tenant ledger (tenant name, unit, monthly rent, due date). Enable autopay and reminders as the default recommendation. Run a $1 test payment (or a test workflow if your platform supports it) to confirm you understand the timeline and notifications.

ACH timing varies, and it is important to set expectations: ACH commonly takes 1 to 3 business days, while Same Day ACH exists in the ecosystem. Testing ensures you are not surprised when "paid" and "deposited" happen on different days.

Step 5: Onboard Tenants

Tenant resistance is usually about one of three things: habit, fear of fees, or fear of complexity.

Use a message that is: benefit-led ("avoid late fees," "instant receipts"), reassuring ("no ACH fees"), and simple ("two steps to set up").

Offer two paths: Path A (preferred): enable ACH autopay. Path B: manual monthly ACH payment (still online, still receipted).

If you want fewer late payments, push autopay. Combine that with the Rentec Direct finding that online payers are less likely to pay late, and you have a strong, evidence-backed reason to lead with autopay.

Step 6: Automate the Entire Rent Cycle

Set these up once: Reminder cadence (3 to 5 days before rent is due, day-of, and day-after if unpaid). Automatic receipts (tenants get confirmation immediately; you get a timestamped record). Late-fee rules (only if allowed by your lease and local law; keep them consistent). "Nudge" for failed payments (if an ACH fails due to insufficient funds or closed account, send an automatic message explaining the next step).

You are replacing manual chasing with predictable, neutral system prompts, often improving tenant response and reducing conflict.

Step 7: Track, Reconcile, and Handle Stragglers

Your goal is not "100% digital overnight." It is a smooth transition that keeps rent flowing. Reconcile weekly: match received payments to unit ledgers and deposit records. Keep exceptions structured: if a tenant cannot pay online temporarily, set a firm end date for the exception. Address "refusal" with clarity: if your lease allows online payments (or allows you to change payment instructions with notice), provide written instructions and an alternative such as money order only as a transitional fallback.

Checklist: Platform and Policy Setup

Decide your default payment rail: ACH for rent; cards optional. Confirm whether your bank account has ACH-related charges (business plans vary). Set rent rules: due date, grace period, late fees, partial-payment policy. Choose a platform that supports: autopay, reminders, receipts, exports. Prefer a tool that keeps ACH truly low-cost, ideally zero ACH transaction fees (Shuk's differentiator). Create landlord account; add properties/units. Connect bank for deposits/payouts. Add tenants and rent amounts. Enable autopay plus reminders by default. Test the workflow and confirm the "paid vs. deposited" timing (ACH often 1 to 3 business days).

Tenant Onboarding Template (Copy/Paste)

"Starting next month, rent will be paid online to reduce late payments and provide instant receipts. Bank (ACH) payments are free and take just a couple minutes to set up. Option 1: Turn on autopay (recommended). Option 2: Pay manually each month online. If you need help setting it up, reply to this message and I will walk you through it."

Frequently Asked Questions

What if a tenant refuses digital payments?

Start by separating "cannot" from "will not." If it is a comfort issue, offer a quick phone walkthrough and the manual-pay option (still online). If it is a fee concern, emphasize that ACH is low-cost by design, and if you are using a zero ACH transaction fee tool, you can truthfully say there is no ACH fee to pay through the platform. If it is a hard refusal, check your lease language and local rules.

Are online rent payments secure?

ACH is a long-established U.S. bank payment network governed by NACHA rules and used for large volumes of everyday payments. No system is risk-free, but using a dedicated rent platform typically improves your documentation (time-stamped receipts, clear ledgers) versus cash or paper checks.

How long do ACH transfers take for rent?

ACH transfers commonly settle in 1 to 3 business days, and the ACH network also supports Same Day ACH in many cases. Timing can vary by platform cutoffs, weekends/holidays, and bank processing windows.

Will online rent collection actually reduce late payments?

Multiple sources suggest yes, especially when paired with autopay and reminders. Rentec Direct reported that tenants who pay online were 23% less likely to pay late in their 2025 analysis.

What to Do Next

If you are ready to stop handling envelopes, checks, and "did you get my payment?" texts, make your next rent cycle the one where you switch. Start with ACH as your default, set up autopay, and automate reminders so you are no longer manually managing rent day.

Shuk's online rent collection is built around zero ACH transaction fees, so your tenants pay by bank transfer without per-payment costs. Autopay enrollment reduces late payments. Configurable late fees applied automatically enforce your lease terms consistently. Payment and income reports filterable by property, tenant, and date and exportable to PDF or Excel give you the reconciliation data you need without spreadsheets. And centralized in-app messaging with email and push notifications keeps payment-related communication documented.

At as low as $2.00 per unit per month with no setup fees, and with White Glove Onboarding included at no additional cost, Shuk makes online rent collection feasible for landlords and property managers running 1 to 100 units.

Book a demo at shukrentals.com/book-a-demo to see the workflow in action.