Programmable banking
How Proplo pays your vendors — without ever holding your money
Proplo connects to the bank account you already control via your bank's programmable banking API. Tenants pay you directly. Proplo reads incoming invoices, queues approved payouts, and instructs your bank to pay each vendor — every transaction visible in your bank statement and audited end-to-end.
Proplo trust account in progress — facilitate payments through Proplo directly, coming soon
The flow, end to end
From rent received to vendor paid
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1
You connect your bank to Proplo
Generate API credentials inside your bank's programmable banking portal and paste them into Proplo's settings. Credentials are encrypted at rest. You can revoke access at any time from inside your bank or from Proplo.
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2
Tenants pay you, not Proplo
When you invoice a tenant, Proplo issues a per-invoice EFT reference for your bank account. Tenants pay by EFT into the account you already use — Proplo never touches the funds. As soon as the deposit posts, Proplo's reconciliation matches the reference back to the right invoice and marks it paid.
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3
AI reads incoming vendor invoices
Body corporate levies, council rates, and utility statements arrive by email. Proplo extracts amounts, due dates, and line items, and matches each invoice to the right property and beneficiary.
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4
You approve. Proplo instructs your bank.
Every payout is queued for your approval. Once you approve, Proplo calls your bank's payment API to pay the registered beneficiary with the reference they recognise. Nothing is paid silently.
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Reconciliation closes the loop
Proplo polls your account's posted-transactions feed, finds the matching debit, and confirms the vendor invoice as paid. If something doesn't settle, the payment stays open for review — never silently marked complete.
Supported banks
We connect to whichever bank you use — once it's API-ready.
Proplo is built around programmable banking: any South African bank that exposes a payments-and-transactions API can be connected. Today that's Investec, the only major SA bank with a generally-available programmable banking offering. As Standard Bank, FNB, Nedbank, ABSA, and others open up their APIs, Proplo will support them too.
Until your bank exposes a programmable API, the cleanest path is the upcoming Proplo trust account — a regulated, segregated account where Proplo holds rent on your behalf and pays vendors directly.
Investec
LiveProgrammable banking via the Investec OpenAPI. Supports inbound EFT reconciliation and outbound beneficiary payments.
Other South African banks
As they open APIsStandard Bank, FNB, Nedbank, ABSA — we'll add support as each one ships a programmable banking API to customers.
Proplo trust account
In progressA segregated account that lets Proplo hold rent and pay vendors directly — for landlords whose bank doesn't yet expose an API.
Don't bank with Investec yet? Proplo still pays for itself.
Even without programmable banking, the auto-invoicing side of Proplo solves the worst part of the monthly cycle. Body-corporate and council invoices land in your inbox between the 22nd and 26th — Proplo captures them automatically and generates tenant rent invoices on a fixed cadence, so you never wait for the levy bill before sending rent invoices to your tenants. You approve and pay vendors from your own banking app. When your bank opens its API, the same workflow goes zero-touch — no migration needed.
Trust signals
What this means for you
Your money never leaves your bank
When you connect your own bank account, funds stay with you throughout. Proplo only initiates payments you've approved — every transaction shows up on your bank statement.
Approval-gated by default
Every outbound payout — without exception — requires your explicit approval inside Proplo before it's submitted to your bank.
Encrypted credentials, revocable access
Bank API credentials are encrypted at rest. You can revoke Proplo's access from your bank's portal or from Proplo's settings at any time.
Reconciliation, not optimism
Proplo verifies every payout against the bank's posted-transaction feed before marking it complete. Anything that doesn't settle stays open for review.
Ready to connect your bank?
Set up takes a few minutes. Three-month free trial, no credit card.