HOA & Property
Payments
The antidote to restrictive portals — payment infrastructure designed with homeowners in mind, not against them.
The Problem
The HOA payment software market has consolidated around a handful of platforms — ClickPay, TownSq, AppFolio — that embed deeply restrictive terms of service as a condition of paying your own HOA dues.
These terms typically include mandatory arbitration clauses that strip homeowners of their right to sue, liability caps as low as $500 regardless of actual harm, broad data licensing provisions that allow the platform to use your payment data commercially, and no meaningful opt-out — pay through the portal or face late fees.
Boards often don't realize what they're imposing on residents when they adopt these platforms. The contracts are negotiated between the management company and the software vendor; homeowners are third parties with no negotiating position.
The result: millions of homeowners are compelled to accept surveillance capitalism terms as a prerequisite to paying their housing costs. This is not how payment infrastructure should work.
The MicroPay Difference
MicroPay's HOA payment infrastructure is designed from the homeowner's perspective — transparent terms, real rights, and genuine alternatives.
What We Deliver
- No mandatory arbitration — homeowners retain dispute rights
- Real liability terms — no $500 caps on platform-caused harm
- Resident data sovereignty — your payment data is yours
- Transparent fee disclosure — no hidden processing charges
- Genuine payment alternatives — USDC, ACH, card
- Board compliance reporting — audit-ready financial records