Collect more. Chase almost nothing.
Service charge collection software for Irish OMCs. Cuan bills every unit, collects by SEPA Direct Debit or a free bank-transfer push, reconciles itself over a read-only AIS feed, and settles straight to the PSRA client account. No cards, no manager turned debt collector.
Collection is a confrontation problem, not a maths problem.
The service charge is easy to calculate and hard to collect, because collecting it means chasing neighbours about money. Cuan takes the chase off your team.
The manual way
A spreadsheet of who owes what.
Cuan collection
One issue run bills every unit, apportioned by the schedule.
The manual way
Card fees skimming every payment.
Cuan collection
SEPA Direct Debit, or a free push transfer. No cards.
The manual way
A phone call your team dreads.
Cuan collection
Reminders that escalate on their own, owners self-cure.
The manual way
Matching payments across a bank statement.
Cuan collection
A read-only AIS feed marks each one paid.
The manual way
Money resting in the software's account.
Cuan collection
Straight to the PSRA client account. Cuan never holds it.
The manual way
Year-end rebuilt from receipts.
Cuan collection
A reconciled ledger, ready to export.
Owners pay the way the OMC chooses.
Set the default to pull or push. Either way, Cuan captures the payment over AIS and marks it paid, so reconciliation is automatic and the money lands in the client account.
Pull, by Direct Debit
DefaultCuan collects on the due date. Set and forget for the owner, with nothing to remember.
0.8% + 30c
per transaction, capped at €6
Reconciled automatically via AIS
Push, by bank transfer
The owner logs into their own bank and pays with their unique reference. A little more effort for them, nothing to collect for you.
Free
no transaction fee, owner-initiated
Reconciled automatically via AIS
The whole cycle, from bill to reconciled.
Issue, collect, remind, reconcile and settle, in one run, with the money landing where it should and nowhere else.
Bill every unit at once
Issue the whole development's service charge in one click, apportioned by the schedule, each with its own reference.
SEPA Direct Debit
Collect on the due date by Direct Debit. No cards, no percentage card fees, set and forget for the owner.
Self-serve payment plans
Owners spread a balance in two taps. Enrolment posts to the ledger and pauses the arrears ladder.
Automated reminders
Gentle, branded reminders escalate on their own, so no one on your team has to make the call.
Reconciled over AIS
Cuan reads the bank on a read-only feed and marks each payment paid, with no manual matching.
Straight to the client account
Every euro settles to the OMC's PSRA client account. Cuan reads and meters, and never holds the money.
More of what you bill, collected on time.
Cuan is measured on one thing: on-time collection, without the chase.
+15 pts
on-time collection, in a cycle
Free
to push a bank transfer
Auto
reconciled over a read-only AIS feed
€0
client funds Cuan ever holds
Better together
Collection is one link in the money loop.
It runs on the billing that issues the charge and the reconciliation that proves it landed.
The detail
What is service charge collection software?
Service charge collection software issues an Owners' Management Company's annual service charge to every unit, collects the money, reconciles each payment and chases whatever falls late. For an Irish OMC that means billing by the development's schedule of apportionment, collecting by SEPA Direct Debit or bank transfer rather than card, and settling to a PSRA client account. Cuan runs the whole cycle from one place, so a manager issues, collects and reconciles without a spreadsheet or a card terminal.
How are service charges collected for an Irish OMC?
The OMC chooses a default of pull or push. A pull collects by SEPA Direct Debit on the due date, so the owner sets it once and forgets it. A push lets the owner log into their own bank and pay a transfer with a unique reference. Cuan captures either over a read-only AIS feed, the Account Information Services side of open banking, and marks the invoice paid. Owners never pay by card, so no card percentage is skimmed off the fund.
What does the MUD Act 2011 say about the service charge?
Section 18 of the Multi-Unit Developments Act 2011 requires every OMC to establish and maintain an annual service charge scheme covering ongoing costs such as insurance, maintenance, cleaning, waste management, repairs and shared services. The charge has to be calculated on a transparent basis and put to the members. Cuan encodes that as an approved budget apportioned across every unit by the schedule, with a plain-English statement for each owner, so the charge you collect is the charge the members signed off. This is general information, not legal advice.
Can an OMC recover unpaid service charges?
Yes. An unpaid service charge is a debt owed to the OMC, and letting it slide starves the development of the money it needs to run. Cuan recovers it with a board-approved ladder: gentle reminders first, a self-serve instalment plan at day 30, and a formal notice only if those are ignored. Vulnerable owners can be flagged so escalation freezes, and every step is logged. Directors see the arrears total and its ageing, never a neighbour's name, which keeps the board on the right side of GDPR.
Where does the money go, and does the software hold it?
Every euro settles straight to the OMC's PSRA client account. Cuan never sits in the flow of funds: it reads the bank over a read-only AIS feed to reconcile and mark payments paid, but it does not collect into its own account or move client money. That keeps collection inside the PSRA client-money rules and means the OMC's cash is never resting in a software company's account.
Questions
Service charge collection, answered.
See it collect your book, not a demo one.
Bring last year's collection rate. We will show you the lift on your own numbers, in nine minutes.