Once your income is verified and you’ve chosen a home, the final step in your Rent in 12 journey is signing your tenancy contract and making your first payment to secure your monthly rent in Dubai. Rent in 12 is Property Finder’s rent now pay later option, powered by Keyper, and was previously called Pay Monthly.
Before you sign
Before you can sign, the tenancy documents need to be submitted and reviewed. That means the tenancy contract, the unit’s title deed, the landlord’s verification documents, and the landlord’s bank details. Your dashboard tells you if anything is needed from you, and your agent handles the landlord’s side.
Once everything is in, your dashboard tells you that your Rent in 12 plan is being set up while Keyper reviews the documents. This review usually takes up to 4 business hours. There’s nothing for you to do while it runs, and your contract becomes ready to sign as soon as Keyper approves it.
Signing your contract
When your contract is ready, a Sign contract button appears on your application dashboard. Tap it to open your contract directly in Property Finder.
Your contract is officially called the Tenant Payment Management Agreement (TPMA). It sets out your rent amount, your monthly payment plan, and the terms of your tenancy. You can read the full contract before signing.
What you’ll see in the payment summary
Just below the contract, you’ll see a breakdown of your first payment. It covers three things:
- First month’s rent. Your first monthly payment under the Rent in 12 plan.
- Digital Management Fee. The Keyper service fee for managing your monthly payment plan.
- Security deposit. Held under your tenancy agreement and returned at the end of the tenancy in line with the contract terms.
The total is shown on screen before you pay. When you’re ready, tap Sign to confirm your contract.
Making your first payment
After signing, you’ll be taken to the payment screen. Tap Add card and enter your card details: card number, expiry date, and CVV.
Once your card is added, review your payment summary one final time and confirm, to pay rent with card and complete your first payment.
Tenancy activation
Once your first payment goes through, your dashboard shows a confirmation screen, and tenancy activation completes in 1 to 2 working days. During that window, Keyper countersigns the agreement and authorises the first payment to your landlord.
You’ll also receive two emails:
- One confirming your first rent payment, with the date, the amount, and the card used
- One confirming that your tenancy is active
Both link back to your dashboard, where you can view your payment schedule and manage your tenancy.
What happens next
Your Rent in 12 payments are collected automatically from your registered card on the agreed schedule, so you pay rent monthly without doing anything each month. You can view your full payment schedule on your dashboard, update your payment card, and track every completed and upcoming payment.
If you have questions about your contract, your payments, or your tenancy, see Termination policy and disputes.
Frequently asked questions
Search or browse questions about signing your Rent in 12 contract and your first payment.
What is the TPMA?
The TPMA, or Tenant Payment Management Agreement, is your tenancy contract under Rent in 12. It sets out your rent amount, your monthly payment plan, and the terms of your tenancy. You can review the full contract in the app before signing.
What payment methods are accepted?
Rent in 12 payments are made with a UAE-issued credit or debit card. Setting up a secure credit card payment for rent means your monthly payments are collected automatically, so you can pay rent through credit card channels or a local debit card. American Express is not accepted, and you need a local UAE bank account.
What should I do if my payment fails?
Check that your card is UAE-issued, that the details are correct, and that you have sufficient funds available. You can try the payment again from the app, or add a different card.
If it still fails, email paymonthly.support@propertyfinder.ae with your application reference.
What’s included in my first payment?
Your first payment covers three things: your first month’s rent, the Digital Management Fee, which is Keyper’s service fee, and your security deposit. You’ll see the full breakdown and the total on your dashboard before you confirm.
Agency commission and utility deposits aren’t included. You pay those as you normally would.
Why does my dashboard say my plan is being set up?
It means your tenancy documents have been submitted and Keyper is reviewing them. The review usually takes up to 4 business hours. Once it’s complete, your dashboard moves you to the signing step.
How long does tenancy activation take after I pay?
Usually within 1 to 2 working days of your first payment. During that time, Keyper countersigns the agreement and authorises the first payment to your landlord.
Can I change my payment card after signing?
Yes. You can update your payment card at any time from your application dashboard or your Property Finder account settings.
Where can I view my signed contract?
After signing, you can view and download your signed contract from your dashboard at any time.
When is my first payment due?
Your first monthly rent payment is due before your landlord’s first transfer is initiated. Check your card is active and has sufficient funds before that date.
What emails will I receive after signing?
One confirming your first rent payment, and one confirming that your tenancy is active. Both link back to your dashboard.
How do I contact support?
Email paymonthly.support@propertyfinder.ae with your application reference. Most queries are answered within 1 to 4 business hours, Monday to Saturday, 9am to 6pm GST. Cases that need Keyper to review something can take longer.
There’s one exception. If you see a message saying your email or phone number is already linked to an existing Keyper account, email support-rnpm@realkeyper.com with the subject Property Finder - Account Linking Issue. Only Keyper can unlink an account.