Features
Everything it takes to run a book of rental agreements — from the first application to the final settlement — on one platform.
Originate & decide
- Invitation-only applications — you own the customer relationship, POPIA-clean from the first click
- 6-step application wizard with draft auto-save and document virus scanning
- OCR document capture (ID, payslip, proof of address) with declared-vs-document matching
- Configurable affordability & risk scorecard — segment strategy, dual cards, debt-review handling
- Credit-bureau checks behind a provider abstraction (Datanamix / TransUnion)
- Approve, decline or refer with dual-approval overrides and a full decision audit trail
Contracts & e-signing
- Master rental agreement template with auto-population from the application
- Firma embedded signing — initials per page, debit-order mandate and final signature
- Signed PDF stored in your own tenant bucket; removed from the signing provider (POPIA)
- NCA 5-business-day cooling-off period tracked automatically
- Configurable rent-to-own / purchase schedules — 6 / 12 / 18 / 24 / 36 months
Payments & collections
- Auto-generated monthly tax invoices (SARS-compliant, VAT-inclusive)
- NetCash DebiCheck debit orders — settled to YOUR account, not ours
- Pay Now card & instant-EFT payments for ad-hoc and catch-up settlements
- Automatic retry workflow with configurable backoff
- Arrears → in-default workflow with auto-generated demand letter
- SMS, email and WhatsApp reminders across the whole collections journey
Financier operations
- One book, many dealers — dealer seats with scoped access to their own deals
- Maker-checker payouts & disbursements to dealers and suppliers
- Premium-uplift pricing and per-band deposit / premium adjustments
- Early-settlement, buy-out and exit suite for the full back end of the agreement
- Cross-tenant MRR, payout and payment-success-rate trending
Fleet & telematics
- CarTrack polling: live positions, speed events and geofence breaches
- Repossession trigger with CarTrack geofence activation
- Monthly driver-behaviour scoring with bandings (excellent / good / fair / poor)
- Lifecycle alerts: licence expiry, roadworthy, service due (date + km)
- Incident management: log → claim → settle workflow with photos
Compliance & security
- POPIA data-subject-request queue with 30-day statutory tracker
- Breach register + Information Regulator notification workflow
- Right to erasure (anonymise while preserving the audit trail)
- Retention sweep that purges tokens, drafts and old comms automatically
- True multi-tenant isolation — Postgres row-level security on every table
- Per-tenant encrypted credentials; nothing is co-mingled
Platform & extensibility
- Branded customer portal at {yourname}.r2oapp.com — apply, view contract, pay, log incidents
- Tenant 360 with Profile / Users / Fleet / Financials / Analytics / Config / Audit
- "Log in as tenant" impersonation, fully audit-logged
- Public REST API with scoped keys + webhook subscriptions
- Two-desk support service desk built in
- Email, WhatsApp and SMS template management