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Each month, many a renter digs through a loose assortment of stubby pencils and uncapped pens, crinkled take-out menus, orange-handled scissors, old batteries, and half-used rolls of tape hunting for a checkbook – untouched since its last use 30 days ago – to pay the rent.

But to stay competitive in the digital era, industry observers say, landlords ought to offer an amenity that changes the monthly ritual from searching the junk drawer to surfing the Net:

Online bill-paying.

“There will be a lot of pressure from residents to move to online payments,” said Rick Haughey, vice president of industry technology initiatives for the National Multi Housing Council in Washington. “This next generation is just getting everything online.”

In the past three years, the number of rent bills paid online has jumped 66.1 percent, while settling up in-person fell 13.9 percent and mailing rent checks dropped 24.9 percent, according to a report from Boston-based Aite Group LLC, an independent research firm that specializes in issues affecting the financial-services industry.

According to the 2013 NMHC/Kingsley Apartment Resident Preferences Survey, 78 percent of the 14,690 residents polled nationally indicated that they preferred to pay rent electronically or online rather than at management offices.

“It has become now an expectation with renters, rather than being a differentiated amenity,” said Matt Golis, chief executive of Walnut Creek, Calif.-based YapStone Inc., which provides an online-payment platform to property owners.

Student housing is more likely to offer online-payment systems than traditional multifamily buildings, Golis said.

“You have a combination of parents paying on behalf of the students and the millennials … some of them have never written a check before,” he added.

Refining the ability to pay with a credit card is the next phase, Haughey said.

The transaction-processing fee incurred with the swipe of plastic can add a substantial dollar amount to a tenant’s monthly housing bill.

“There has been an ongoing discussion surrounding that with the industry and the credit card companies,” he said, “and they are still trying to work out a solution.”

A long-term goal is syncing software across platforms so that an online portal works as an app on mobile devices as well as a website, Haughey said.

“The late adopters (of online payment systems) are going to feel the marketing pressure to do this soon,” Golis said. “It has become a necessity.”