Features
Every workflow a South African rent-to-own dealership runs, on one platform.
Customer journey
- Invitation-only application (POPIA-compliant — dealership owns the customer)
- 6-step application wizard, draft auto-save, document virus scanning
- Magic-link status page for applicants — no account setup required
- Branded customer portal at {tenant}.r2oapp.com
- Self-service POPIA data subject requests + WhatsApp opt-in management
Contracts & e-signing
- 17-section rental agreement template with auto-population
- Firma.dev embedded signing (initials per page + §16 debit-order + final signature)
- Signed PDF stored in your tenant bucket; auto-deleted from Firma.dev (POPIA)
- 5 BD cooling-off period (NCA §121) tracked automatically
- Configurable purchase schedules — 6/12/18/24/36 months
Payments & collections
- Auto-generated monthly tax invoices (SARS-compliant, VAT-inclusive)
- NetCash DebiCheck integration — debit orders settle to YOUR account
- Automatic retry workflow with configurable backoff
- 5 BD overdue → in_default workflow with auto-generated demand letter
- Repossession trigger with CarTrack geofence activation
Fleet operations
- Master fleet insurance policy with per-vehicle override
- CarTrack polling: positions, speed events, geofence breaches
- 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
POPIA compliance
- DSR queue with 30-day statutory tracker
- Breach register + Information Regulator notification workflow
- Right to erasure (anonymise + audit-preserving)
- Retention sweep cron (purges tokens, drafts, old comms)
- DPA signing flow with version tracking
Platform Admin (multi-tenant)
- Tenant 360 with Profile/Users/Fleet/Financials/Analytics/Config/Audit tabs
- Cross-tenant MRR + payment success-rate trending
- "Log in as tenant" impersonation (audit-logged)
- Public REST API with scoped keys + webhook subscriptions
- Email + WhatsApp + SMS template management