Pre-Authorized Debit for Real Estate
Collect Real Estate Payments
Without Cheques
PropPay LX turns every deposit schedule into signed, automatic pre-authorized debits, from the sales table to your project account.
Start Going PaperlessWhat is PropPay LX?
The deposit platform for new home builders, from signed agreement to cleared payment.
Automatic Collection
Every Deposit, Debited on Schedule.
Each sale carries its own deposit schedule, with the contract due date and the debit date tracked separately. PropPay LX pulls each payment on its date and rolls weekends and holidays to the next business day.
- Purchase deposits, design centre, interim occupancy and rental payments
- Bank drafts and cheques recorded in the same ledger
- Nothing is debited without a signed PAD covering it
PAD Agreements
Signed at the Sales Table.
A six-step wizard captures the account holder, bank details and schedule, then generates the agreement from your law firm or vendor template, with a certificate of completion bound in.
- Photograph a void cheque and the bank numbers fill themselves in
- Scan a driver’s licence to record ID for FINTRAC
- Sign on the spot, or send a link verified by a one-time code
Sales & Payments
Every Unit on One Screen.
See the whole project as a unit matrix, a card per sale, or a single ledger of every deposit, and filter straight to what needs attention.
- Notes, documents and a complete activity history on every sale
- A signing queue for every agreement still waiting on a signature
- Inventory imports from a spreadsheet, and deposits export to CSV
Live Dashboard
Know Where Every Dollar Is.
Collections, schedules and exceptions update as payments move, so month-end starts with answers instead of a spreadsheet.
- Money in process, stage by stage, until it reaches your account
- A cash-flow forecast for the next 30, 60 and 90 days
- Collections trend, payment mix and sales momentum
Reporting
Reports Built for Finance and Legal.
Twelve reports cover deposits, construction funding, closings and reconciliation, and each one exports to CSV or PDF.
- Closing Readiness and a Deposit Ledger by Purchaser for your lawyers
- Builder Funding Position and Trust Account Funding for finance
- Design centre and interim occupancy payments reported on their own
NSF Handling
Returned Payments, Handled.
When a debit comes back, your team hears about it right away, and that account isn’t debited again until it’s sorted out.
- Staff alerts in the app and on their phones
- The PAD suspends automatically after a return
- Reschedule, or switch the deposit to a bank draft, in one click
Purchaser Emails
Every Email Comes From You.
Purchasers hear from your project, with your name and your logo, and their replies land with your sales team.
- Reminders 21, 7 and 3 days before each debit
- A receipt as each payment clears
- Signing requests and confirmations for every agreement
The Purchaser App
Purchasers Always Know What’s Next.
Purchasers sign in with an emailed code or a passkey, with no password to forget, and see every purchase in one place.
- What’s paid, what’s outstanding and the exact next debit date
- Agreements and documents, with review-and-sign when one is pending
- A payment calendar and push notifications on their phone
Integrations
Works With Your Sales Platform.
Sales flow in from the sales platform or app you already use, deposit schedules included, through the Partner Push API.
- Changes in the sales system are flagged for review, never applied silently
- Sales, agreements, documents and schedule changes by API
- Staff sign in with Google or Microsoft
Security
Bank Details, Locked Down.
Purchaser banking stays inside PropPay LX, not in spreadsheets or on your server, and account numbers only ever show their last four digits.
- Two-factor sign-in for every staff account, with passkeys
- An append-only audit log of every change
- Agreements written to Payments Canada Rule H1
Built for the Whole Deal Team
Everyone sees exactly what their role needs.
Builders & Developers
Run every project from one account, with full control of each one.
Sales Teams
Create sales, take agreements and send signing links.
Design Centres
Manage design centre payments, and only those.
Law Firms & Finance
Read-only access to ledgers, documents and reports.
How It Works
From Sale to Payout in Four Steps
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1
The sale arrives
Synced from your sales platform, or entered by hand.
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2
The agreement is signed
At the table, or remotely from a secure link.
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3
Debits run on schedule
Purchasers are reminded before each one.
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4
Funds are paid out
Straight to your project or trust account.
Get Started
Ready to Go Paperless?
Tell us about your next project and we’ll walk you through PropPay LX with your own deposit schedule.