Keep your trust account. Let Oncade do the math.
Upload your Airbnb, VRBO, and Stripe CSVs. Oncade reconciles every reservation to the right owner and tracks withholding and 1099s. Once you ACH-push the approved amount, every payout goes out in one click.
Saves 2–3 days/month of COO time, or replaces a ~$50K/yr junior accountant. Full audit trail on every reconciliation edit.
Casa Bella · Cabo
Casa Bella Holdings LLC
Pine Ridge · Tahoe
Pine Ridge Cabins
Ocean View · Tulum
Ocean View Suites SA
Sunset Mtn · Aspen
Sunset Mountain Co.
$127,400
Lump deposit reconciled
12
Owners to pay
$3,820
Withholding tracked
< 5 min
Reconciliation time
ACH from trust account · $123,580 · into 12 owner accounts
12 owners notified · just now
What manual reconciliation actually costs you
Most STR managers running 50–200 units burn 2–3 days a month on owner reconciliation and remittance, or hire a junior accountant just to keep up.
Lump deposits, no line items
4–6 platforms
all paying you in lump sums
- Airbnb, VRBO, Booking.com, Stripe each pay one big number into your trust account
- No automated mapping back to which reservation belongs to which owner
- Reconciling against the platform statements is a manual scavenger hunt
Spreadsheet reconciliation eats the week
2–3 days
of COO time, every month
- Export CSVs from every platform, then match line-by-line in Excel
- PM fees, cleaning, taxes, and owner splits calculated by hand
- Tax withholding and 1099s tracked on a separate tab, or forgotten entirely
Owner payouts go out one bank transfer at a time
1-by-1
individual bank transfers per cycle
- Individual ACHs, wires, and SWIFTs for every owner, every cycle
- International owners require SWIFT: $25–50/wire and 3–5 day delays
- Failed transfers and FX surprises fall back on the PM to chase
That’s 24–36 days a year of COO time on reconciliation, or roughly a $50K/yr junior accountant headcount.
Reconciliation and payouts, in one workflow
Upload the CSV.
Review the splits.
ACH-push and pay every owner.
Your trust account doesn’t change. The spreadsheet, the side-by-side browser tabs, and the one-by-one bank transfers do.
CSV in. Reconciled splits out.
Upload the platform’s sales CSV. Oncade matches every reservation to the right owner, calculates PM fees, cleaning, taxes, and owner splits, and flags any mismatches against the lump deposit you actually received in your trust account.
< 5 min
Reconciliation time
All major
Platforms supported
Built-in
Mismatch detection
Review, edit, approve, with a full audit trail
Review every line in the reconciliation UI. Re-map the SKU, edit a number, exclude a row. Every change is captured in the audit log with timestamp and user. Aggregated payee view shows gross, withheld, and payable per owner before you approve.
Every edit
Audit log
Unlimited
Splits per SKU
Per cycle
Approval
One ACH push. Every owner paid.
Push the approved disbursement amount from your trust account to Oncade in a single ACH. Oncade routes each owner’s share into their Oncade account. From there the owner withdraws to a bank, spends with a Visa card, or holds the balance for yield. Tax withholding and 1099s handled automatically.
1 ACH push
PM action per cycle
6+
Rails supported
Built-in
Withholding & 1099
From platform CSV to paid owner, in four steps
Connect your platforms
Upload CSVs from Airbnb, VRBO, Booking.com, and Stripe. Direct API integrations with Stripe, Airbnb, VRBO, Guesty, Hostaway, and AppFolio on the roadmap.
Reconcile in minutes
Oncade matches the lump deposit in your trust account to line items, maps reservations to owners, and calculates splits, flagging any mismatches.
Review & approve
Edit, re-map, or exclude line items. Aggregated payee view shows gross, withheld, and payable per owner. Every change captured in the audit trail.
One-click payouts
ACH-push the approved amount from your trust account. Oncade routes every owner’s share into their Oncade account, where the owner can withdraw, spend with a Visa card, or hold for yield.
Direct platform integrations on the way.
Today CSV; soon native API integrations with Stripe, Airbnb, VRBO, Guesty, Hostaway, and AppFolio so reconciliation runs without an upload step.
Spreadsheet + bank transfers vs. Oncade
Same trust account. Same custody. The spreadsheet, the side-by-side browser tabs, and the one-by-one bank transfers go away.
Better for PMs. Better for owners.
Hand owners a self-serve portal and your back office shrinks at the same time.
For property managers
- Keep your existing trust account at your bank. No banking change required
- Reconcile a full month of bookings from a single CSV upload per platform
- SKU-based split logic: re-map, edit, or exclude any line, with a full audit log
- Lump deposit auto-checked against the platform line-item total, with mismatches flagged
- One ACH push from your trust account → routed to every owner on the right rail
- Built-in tax withholding and automated 1099 generation
- Saves 2–3 days/month of COO time, or replaces a $50K/yr junior accountant
For property owners
- Get paid faster: within days of the cycle, not weeks
- Funds land in their Oncade account. Owner picks what happens next
- Withdraw to any local bank on supported rails (ACH, SEPA, SPEI, PIX, FPS)
- Spend directly with a Visa card tied to the account
- Hold the balance to earn ~4% yield on idle funds
- Self-serve portal: payment history, withholding records, 1099 access
You stop running payouts in a spreadsheet. Owners stop waiting on you.
What property managers ask first
Keep your trust account. Let Oncade move the money.
For STR property managers running 50–200 units. Tell us about your portfolio and we’ll reach out with pilot details.
We’ll never share your details. You’ll hear from a real person on our team.