Summary
Learn how to enable Pay in 12 in Invoice Automate so landlords can pay eligible property expenses now and repay in 12 equal instalments, with funds landing in your trust account fast.
This article covers:
About Pay in 12
Pay in 12 is a ListSure financing option embedded in Invoice Automate that lets property owners pay eligible expenses immediately and repay over 12 months. The feature is delivered through a Proptech Labs-ListSure partnership and is designed for everyday property costs such as maintenance, water, strata, and rates.
How it helps
Fast funding into trust - Once approved, ListSure pays the agency directly to the trust account via modern Australian real‑time rails, so work can proceed without delay
Predictable cash flow for owners - Landlords make 12 equal monthly instalments to ListSure, aligned with regular rent receipts
Embedded in your workflow - Pay in 12 is displayed in Invoice Automate, allowing property managers to select the option while processing invoices
Before you begin
This section outlines prerequisites, so your team can turn on and use Pay in 12 smoothly.
Agency enablement - Proptech Labs must activate Pay in 12 for your account. If you do not see Pay in 12 inside Invoice Automate, contact Proptech Labs to enable it
Trust account readiness - Funds are paid to your agency trust account. Ensure your bank supports the New Payments Platform (NPP) for near real‑time receipt and reconciliation
Roles and responsibilities:
Property manager initiates the offer by generating a secure link
Landlord completes a digital application to access funds
ListSure disburses funds to the agency and manages repayments
Tip: If you use Palace with Invoice Automate, confirm that the integration is active so that approved invoices flow into your trust accounting workflow as usual.
Set up Pay in 12 in Invoice Automate
A short intro to help you locate settings and get them enabled quickly.
Request activation - Contact Proptech Labs Support or your Customer Success Manager to request Pay in 12 for your agency. Provide your agency name, trust account details, and a primary contact
Confirm where Pay in 12 appears - After activation, you will see Pay in 12 as an option while viewing or approving invoices in Invoice Automate, where applicable
Align internal controls - Update your SOPs to ensure only authorised staff generate offers and share links with owners. This keeps your approvals and audit trail clean
Note: If you connect Invoice Automate to a trust accounting system like Palace, the integration continues to handle invoice posting and document flow as normal.
Create and share a Pay in 12 link with an owner
A brief overview of the workflow, then the steps to complete a request.
In Invoice Automate > Navigate to the invoice that the landlord wants to spread over 12 months
Choose Pay in 12 to generate a secure, unique application link for the landlord
Share the link via your standard owner communication method. Advise the owner that the application is digital and takes a few minutes
Monitor the application status from within Invoice Automate or through notifications provided through your Proptech Labs account team
Tip: Encourage owners to have basic ID and bank details on hand. The digital application is designed to be quick and typically provides a decision and funding steps within minutes.
What the landlord experiences
A short, owner‑focused summary to explain the process clearly.
Digital application - Owners complete a mobile‑friendly form and, once approved, receive funding confirmation. Typical application time is under three minutes
Repayments - Owners repay ListSure over 12 equal monthly instalments. Repayments are managed by ListSure, not the agency
Transparency - Fees and the repayment schedule are shown to the owner during the application before consent
How the funds flow to your trust account
A short primer on settlement so finance teams know what to expect.
Approval and disbursement - After the owner is approved, ListSure disburses funds to the agency’s trust account. Communications from Proptech Labs or ListSure will confirm the payment
Settlement speed - Payments are sent over Australia’s New Payments Platform (NPP), which enables near real‑time, 24x7 settlement. Many financial institutions credit funds within about a minute
Reconciliation - Reconcile the incoming payment in your trust account as you normally would. If you use Palace or a similar trust accounting platform, your bank feed process does not change
Note: NPP is Australia’s national fast payments infrastructure used by more than 100 institutions, with PayID and Osko overlay services available at many banks.
Close out the invoice in your workflow
A quick wrap‑up to ensure the bill is finalised correctly.
Mark the invoice as paid in Invoice Automate once funds arrive in trust
Disburse to the creditor per your standard trust accounting process and timeframes
Retain documentation, including the payment confirmation and any communications, for your audit trail