How payments work
How Proplo pays your bills — without ever holding your money
Proplo connects to the bank account you already use. Tenants pay you directly. Proplo reads each bill, lines up the payment, and — once you approve — tells your bank to pay. Every cent shows on your own bank statement.
Coming soon: a Proplo account that collects rent and pays your bills for you — no bank setup needed
The flow, end to end
From rent received to bills paid
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1
You connect your bank to Proplo
Follow our short guide to link your Investec account using your bank's connection keys. Your connection details are encrypted and stored safely, and you can disconnect at any time from inside your bank or from Proplo.
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2
Tenants pay you, not Proplo
Each tenant invoice has its own payment reference. Tenants pay by EFT into the account you already use — Proplo never touches the funds. When the money lands in your account, Proplo matches it to the right invoice and marks it paid.
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3
AI reads your incoming bills
Body corporate levies, council rates, and utility statements arrive by email. Proplo extracts amounts, due dates, and line items, and matches each bill to the right property and the person or company being paid.
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4
You approve. Proplo tells your bank to pay.
Every payment waits for your approval. Once you approve, Proplo tells your bank to pay the body corporate, council or utility with the reference they recognise. Nothing is paid silently.
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5
We double-check every payment
Proplo watches your bank statement and only marks a bill paid once the money has actually gone out. Anything that doesn't go through stays open for you to look at — never silently marked complete.
Supported banks
We connect to whichever bank you use — once it lets us.
Proplo connects to your bank to see rent coming in and to pay your bills out. Today that's Investec, the only major South African bank that lets software like Proplo connect today. As Standard Bank, FNB, Nedbank, ABSA, and others open up, Proplo will support them too.
Until your bank lets software connect, the cleanest path is the upcoming Proplo trust account — a separate, protected account run under South African financial rules, where Proplo holds rent on your behalf and pays your bills directly.
Investec
LiveConnected to Investec. Proplo sees rent coming in and pays your bills out.
Other South African banks
As they open upStandard Bank, FNB, Nedbank, ABSA — we'll add support as each one lets software like Proplo connect.
Proplo trust account
In progressA separate, protected account that lets Proplo hold rent and pay your bills directly — for landlords whose bank can't connect yet.
Don't bank with Investec yet? Proplo still pays for itself.
Even without a connected bank, 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 sends tenant rent invoices on the same day every month, so you never wait for the levy bill before invoicing your tenants. You approve and pay the bills from your own banking app. When your bank lets software connect, 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 sends only the payments you've approved — every transaction shows up on your bank statement.
Nothing paid without your say-so
Every payment out — without exception — needs your explicit approval inside Proplo before it goes to your bank.
Encrypted details, disconnect any time
Your bank connection details are encrypted and stored safely. You can disconnect Proplo from your bank or from Proplo's settings at any time.
Checked, not assumed
Every payment is verified against your actual bank statement before it's marked paid. Anything that doesn't go through stays open for you to look at.
Ready to connect your bank?
Set up takes a few minutes. Three-month free trial, no credit card.