Payment rails for
every side of real estate
Rent rolls, vacation bookings, agent commissions — real estate money is big, recurring, and stuck on paper checks. Sterling Ridge moves it on modern rails: eChecks, ACH, and cards on one platform, automated rent collection with built-in fraud prevention, and same-day commission payouts for agents and brokers.
No surprises. No shutdowns. No stress.
Amount due
$12,400
A+BBB RatingAccredited Business
4.8/5GoogleCustomer reviews
4.5/5MetaCustomer reviews
5/5Merchant MaverickExpert review
Top RatedTop Credit Card Processors2026
#2,150Inc. 5000Fastest growing
Why real estate merchants
outgrow mainstream processors
These aren't edge cases — they're the predictable failure modes of processors that were never built for your category.
Rent by check is a part-time job
Collecting, depositing, and chasing paper checks across a portfolio burns hours weekly and stretches time-to-cash. ACH autopay collects the rent roll automatically at a fraction of card cost.
Card fees are brutal on 4-figure payments
3% on a $2,500 rent payment is $75 — every month, every unit. The same payment via Sterling ACH costs a few dollars, and the savings scale with the portfolio.
Agents wait weeks for commissions
Closings settle, then commissions crawl through manual AP. Same-day ACH payouts get agents paid the day the deal funds — a real recruiting edge for brokerages.
Vacation rental payments spread across tools
Direct bookings, damage deposits, and owner disbursements end up scattered across processors. Guesty-style PMS integrations put booking payments and owner payouts on one reconciled rail.
Key features built for
real estate merchants
Everything below is included with your account — no add-on modules, no upsells.
ACH rent collection & autopay
Tenants enroll once; rent drafts automatically each month with reminders, receipts, and portfolio-level reconciliation.
Property platform integrations
Connects with Guesty-class vacation rental and property management platforms so bookings, deposits, and payouts reconcile automatically.
Same-day commission payouts
Pay agents and referral partners via same-day ACH or RTP the day the closing funds — with mass payout support for busy brokerages.
Large-transaction underwriting
Earnest money, security deposits, and five-figure payments approved upfront, without the automated freezes generic processors apply.
Owner disbursements
Vacation rental managers disburse owner shares automatically each cycle with clean statements for every property.
eChecks, cards & fraud prevention
Accept eChecks and cards alongside ACH, with bank verification and fraud prevention screening every payment before funds move — protection sized for four- and five-figure real estate transactions.
Sterling Ridge vs
standard processors
Swipe horizontally to compare →
| What you get | Sterling Ridge | Standard processors |
|---|---|---|
| eChecks, ACH & cards on one platform | ||
| Automated rent collection with autopay | ||
| Built-in fraud prevention & bank verification | ||
| Comfortable with 4–5 figure transactions | ||
| Same-day agent & broker commission payouts | ||
| Vacation rental PMS integrations | ||
| Dedicated account manager | ||
| Accepts major credit cards |
Your trusted real estate
payments partner
Upfront underwriting instead of surprise shutdowns, 25+ acquiring banks instead of a single point of failure, and a dedicated account manager who knows your file by name. That's why real estate merchants stay with us for years.
Approval rate
Acquiring bank partners
Next-day funding
High-risk approval time
Real Estate sub-verticals
we serve every day
Ready to process as a
real estate merchant?
Tell us about your business and a payment specialist who knows your industry will reach out — usually the same day.
- 99% of applicants approved
- Same-day review for most files
- No long-term contracts or hidden fees
- Prior shutdowns don't disqualify you
Get Started
Start accepting payments as a real estate merchant — no contracts or hidden fees.
You're in good company
with our processing services
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
Real Estate merchants ask,
we answer.
Under 2% — typically a flat few dollars per transaction rather than a percentage. On a $2,500 rent that's the difference between ~$75 in card fees and pocket change, per unit, per month.
Industries we serve
beyond yours
60+ verticals, one processor that says yes.
Your industry isn't a problem.
It's our specialty.
Get approved as a real estate merchant and start processing within days — not months.
Get started with Sterling RidgeNo long-term contracts · No setup fees · No cancellation fees