OWNER RECONCILIATION & PAYOUTS

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.

CSV-driven reconciliation

SKU-based owner splits

One-click multi-rail payouts

Withholding & 1099 built in

Owner reconciliation · Airbnb · VRBO · Booking.com · March 2026

CSV reconciled47 line items

BookingProperty → PayeeSKU splitAmountStatus

AB-2891

Casa Bella · Cabo

Casa Bella Holdings LLC

STR-OWNER-80/MGMT-20$1,840.00

Reconciled

VR-4421

Pine Ridge · Tahoe

Pine Ridge Cabins

STR-OWNER-70/MGMT-25/CLEAN-5$2,460.00

Reconciled

AB-2892

Ocean View · Tulum

Ocean View Suites SA

STR-OWNER-75/MGMT-20/TAX-5$3,120.00

Withhold 30%

BK-1108

Sunset Mtn · Aspen

Sunset Mountain Co.

STR-OWNER-78/MGMT-22$2,082.00

Manual edit

$127,400

Lump deposit reconciled

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

1 click → all owners

Keep your existing trust accountWorks with Airbnb · VRBO · Booking.com · StripeCSV-driven reconciliationSKU-based split logicACH · Wire · SEPA · FPS · SPEI · PIXWithholding & 1099 built inAudit log on every edit

The real cost

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.

The platform

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

Rails supported

Built-in

Withholding & 1099

How it works

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.

Side by side

Spreadsheet + bank transfers vs. Oncade

CSVs + spreadsheets + bank transfers

Oncade

Trust account

Yours, at your bank

Yours, at your bank, unchanged

Reconciliation workflow

Export CSVs, match in Excel, calculate splits by hand

Upload CSV, automated matching, SKU-based splits

Mismatch detection

You spot it (or you don’t)

Lump deposit auto-checked against line-item total

Owner payouts

Individual ACHs, wires, and SWIFTs sent one transfer at a time

One ACH push from your trust account → routed to every owner

Tax withholding

Tracked on a separate tab, or missed entirely

Built-in withholding for international payouts

1099 generation

Manual end-of-year scramble

Generated automatically from reconciled history

Owner experience

Monthly PDF statement emailed by the PM

Self-serve portal with payment history, withholding, and 1099 access

Time spent per cycle

2–3 days/month of COO time, or a $50K/yr junior accountant

Minutes per platform CSV, then one ACH push

Same trust account. Same custody. The spreadsheet, the side-by-side browser tabs, and the one-by-one bank transfers go away.

Wins both sides

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 up to 5% APY* on idle funds
Self-serve portal: payment history, withholding records, 1099 access

You stop running payouts in a spreadsheet. Owners stop waiting on you.

FAQ

What property managers ask first

Get Early Access

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.

✓ Keep your trust account✓ CSV-driven reconciliation✓ One-click multi-rail payouts✓ Withholding & 1099 built in

We’ll never share your details. You’ll hear from a real person on our team.

*Yield figure is based on historical trends. Rates are variable, not guaranteed, and subject to change.