Payment & Deposit Software for Rental Operators
Collect deposits, hold funds, refund cleanly, reconcile automatically. Full money flow for every rental — without spreadsheets, without end-of-day panic.
No card required · 5-minute setup · automatic reconciliation
A payment and deposit module for rental operators handles every cent in and out — collect at booking, hold during rental, refund on return, reconcile at end of day. Ownima unifies the PSP, your bank, and your accounting system. The team in the office stops chasing chargebacks, the team in the field stops chasing card terminals, and the books close themselves.
Every cent, in flight
Hold, capture, refund, reconcile — with the next action highlighted
| Item | Status | Detail |
|---|---|---|
| BK-2024-0914 · Anna P. · Camry | Collect | $320.00 · Card · Stripe |
| BK-2024-0912 · James L. · Kia | Hold | $1,200.00 · Hold · Stripe |
| BK-2024-0911 · Sarah C. · BMW | Hold | $2,500.00 · Hold · Visa |
| BK-2024-0910 · Marco R. · SUV | Refund | $180.00 · Partial refund |
| BK-2024-0909 · Dmitri V. · Sedan | Reconcile | $420.00 · Auto-matched |
Money leaks are quietly killing your margins
End-of-day reconciliation takes 2 hours
You close the day. Open Stripe, then the bank, then your accounting sheet. Match 47 transactions by hand. Find 3 mismatches. Email back and forth. 2 hours gone.
Late books. Accountant asking questions.
Deposit refunds are slow, customers get angry
Customer returns the car. You say 'refund in 3-5 days'. They wait 5 days. They call. They email. They leave a 1-star review about the 'hidden hold'.
Negative reviews. Lost repeat bookings.
Chargebacks hit weeks after the rental
Customer disputed the deposit charge 3 weeks after the rental. You have no paper trail. The bank sides with the customer. You lose $400 plus a $20 chargeback fee.
Lost revenue. Compliance flag with PSP.
You accept only one payment method
Your PSP doesn't support PromptPay or SBP. International customers can't book. You're losing 30% of your potential bookings without knowing it.
Lost conversions. Lower utilization.
Your accountant is always 2 weeks behind
You send statements to the accountant in Excel. They take 2 weeks to reconcile. By the time they flag an issue, the data is stale.
No real-time visibility. Slow decisions.
Money flow, in 4 steps
From deposit at booking to refund at return, with the books closing themselves.
- 1
Collect the deposit
~30 secAt booking, customer gets a secure payment link. Card or local method. Pre-auth or instant charge, your choice.
Stripe, SBP, PromptPay, MoMo — all in one flow.
- 2
Hold during the rental
InstantFunds stay held on the card, not charged. Owner has cash-flow visibility. Customer has the rental.
No "pending" entries in your books.
- 3
Refund cleanly on return
~1 minCustomer returns the car. Tap "release hold" — partial or full. Funds reach customer in 1-3 business days, depending on PSP.
Customer gets an instant confirmation, not silence.
- 4
Reconcile automatically
0 minEnd of day: Ownima matches every Ownima transaction to the bank statement. Mismatches flagged for review, matches auto-posted to your accounting system.
No more 2-hour daily close. Books close themselves.
End-of-day reconciliation: 0 minutes (automatic)
Connected to your money stack
Ownima lives between your PSP, your bank, and your accounting software. No more screen-hopping.
Used by rental operators in Russia · Thailand · Vietnam
From end-of-day panic to books that close themselves
What changes when the money flow runs on rails
PSP + bank + Excel
- 2-hour daily reconciliation by hand
- Refund complaints, slow releases, angry customers
- Chargebacks with no paper trail
- Accountant always 2 weeks behind
With Ownima payments module
- Books close themselves at midnight
- Refunds released in 1 minute, customer notified
- Auto-paper-trail with PSP evidence on every charge
- Real-time visibility, accountant in real time too
Questions about the payments module
Most asked How long does end-of-day reconciliation take?
Zero minutes, if all transactions match. Ownima runs the match at midnight. Mismatches are flagged for your review in the morning, usually under 5 per day.
Do you support local payment methods?
Yes. SBP and YooKassa in Russia, PromptPay in Thailand, MoMo and VNPay in Vietnam, plus Stripe globally. We add new PSPs on customer request every month.
What if a customer disputes a deposit?
Ownima assembles the paper trail automatically: signed contract, pickup photos, return photos, communication log. Most disputes are resolved in your favor within 48 hours.
Can I do partial refunds?
Yes. You can release the full hold, partial, or split into multiple components (fuel, late fee, damage). Customer sees a clear breakdown.
Does it integrate with my accounting software?
1C, QuickBooks, Xero, MISA, and others. Closing entries auto-post daily. You can also export CSV at any time.
What about refunds outside business hours?
Available 24/7. Your night-shift staff can release holds the same way as your day shift. The audit log captures who did what, when.
Keep reading
Guides and pages for operators who want to go deeper.
Close your books in zero minutes
Connect your PSP. Run the day. Watch the books close themselves at midnight.