Integrate a payment processor that supports ACH bank transfers, such as Dwolla or Stripe; both offer APIs specifically suited to recurring rent collection
Onboard tenants by collecting and verifying their bank account details using your payment processor's customer and funding-source creation endpoints
Create a recurring transfer from the tenant's verified bank account to the landlord or management company's account on a scheduled cadence using the processor's transfer API
Handle webhook events for transfer success, failure, and return codes (e.g., R01 for insufficient funds, R02 for account closed) to trigger retry logic and tenant notifications
For disbursements to property owners, initiate a separate transfer from the management account to each owner's bank account after deducting management fees
Maintain an audit log of all transfer IDs, statuses, and timestamps for reconciliation and tax reporting
Known gotchas
ACH returns can arrive up to 5 business days after a transfer is initiated; do not consider a transfer settled until you receive a successful webhook or poll the transfer status endpoint
Payment processors require KYC/AML verification for both payers and payees before transfers are permitted; plan for an onboarding flow that collects the required identity information
Rent payment processing is regulated differently from general commerce; confirm your payment processor's acceptable-use policy covers property management and recurring residential rent
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp