Stop chasing checks. Collect dues online with automatic reminders, autopay enrollment, and real-time payment tracking.
Available on the Pro and Enterprise plans. On Starter, your board collects dues its own way and records each payment.
Start free on Starter · online collection is a Pro feature — join the Pro waitlist
94% on-time payment rate
Communities using online dues collection with autopay and automated reminders see 94% on-time payment rates, compared to 71% with check-only collection. That's fewer board hours spent on collections and more predictable cash flow for your community.
Every HOA board deals with these. Here's how Effortless HOA fixes each one.
The problem
Board members spend 10+ hours a month chasing late payments
The solution
Automated email reminders at 30, 60, and 90 days past due
Configure your escalation schedule once and forget about it. The system sends progressively firmer reminders based on how overdue a payment is. Each email includes a direct link to pay. No phone calls, no door knocking, no awkward conversations at the mailbox.
The problem
Homeowners forget or lose paper invoices
The solution
Online portal with payment history and downloadable receipts
Every homeowner gets their own login where they can see current and past invoices, download receipts, and check their balance. No more "I never got the bill" — the portal shows everything, and email notifications go out when a new invoice is ready.
The problem
No way to track who's paid without spreadsheets
The solution
Real-time dashboard showing paid, unpaid, and overdue accounts
The board portal shows collection progress at a glance: how much you've collected this period, who's still outstanding, and who's past due. The aging report breaks it down by 30, 60, 90, and 120+ days. Export to CSV anytime your accountant needs it.
The problem
Processing checks takes days and creates errors
The solution
Credit card and ACH payments via Stripe, recorded instantly
Payments clear in real time. No depositing checks, no manual entry, no reconciliation headaches. Each payment automatically updates the homeowner's balance, posts a journal entry to your GL, and sends a receipt. The treasurer's workload drops from hours to minutes.
Dues collection, payment processing, delinquency tracking, and financial reporting — all connected.
Homeowners opt in once and never miss a payment again. Dues process automatically on your billing schedule. The board sees who's enrolled and who isn't.
Credit cards, debit cards, and ACH bank transfers through Stripe. Homeowners pick what works for them. ACH is capped at $5 per transaction.
Email reminders go out before the due date and at each escalation step. Configurable intervals and tone. Direct payment links in every email.
See overdue accounts by 30, 60, 90, and 120+ days. Filter by property, sort by amount, and export to CSV. Run the report anytime or schedule weekly delivery.
Set a flat fee or percentage that applies automatically after the grace period. Homeowners see the late fee on their next invoice. No manual adjustments needed.
Homeowners get an email receipt for every payment. They can also download receipts from their portal anytime — useful at tax time or when selling their home.
Three steps. Once enrolled, homeowners never have to think about it again. Autopay is available on the Pro and Enterprise plans.
One click in the resident portal. They add a payment method — card or bank account — and confirm. Takes under a minute.
On each billing cycle, Stripe processes the payment on the due date. The homeowner gets an email receipt. The board sees the payment instantly.
The dashboard shows who's on autopay and who isn't. You can send targeted reminders to non-enrolled homeowners encouraging them to sign up.
A budget assumes revenue. Collections decide whether that revenue shows up. A board that budgets on billed dues rather than collected dues is quietly running a deficit for as long as its delinquency rate holds — and it usually only notices when a reserve transfer gets skipped to cover an operating shortfall.
The practical fix is to close the loop in both directions. Use the aging report to set a realistic collection assumption for next year's budget, and check the reverse every quarter: is actual revenue tracking the budgeted line, or is the gap growing? Payments recorded here post straight to the general ledger, so the aging report and the budget vs actual report are reading the same numbers rather than two spreadsheets that disagree.
If your board is still building the budget side by hand, our comparison of budgeting tools for HOA boards covers what each option does with budget vs actual and reserve tracking, and the free HOA budget template will get a first draft on paper in about ten minutes.
Common questions about online HOA dues collection
Online dues collection that runs itself. No more spreadsheets, no more check deposits.
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