Termination & Disputes

Payment Failure

If one of your automated monthly rent payment charges doesn't go through, we'll automatically retry the charge up to three times the same day. If it still doesn't go through, a late payment fee of AED 1,000 applies. If the payment remains unresolved, an additional AED 100 per day applies, capped at a total of AED 3,000.

You can retry your payment yourself anytime from your dashboard. Late fees can't be waived by support, so the easiest way to avoid them is to make sure your card is active, has sufficient funds, and that your details are up to date before each payment date to ensure your credit card payment for rent processes smoothly.

Tenancy Termination

Pay Monthly tenancies are fixed 12-month contracts. If you need to end your tenancy before the 12 months are up, the steps and any fees that apply depend on where you are in your cycle and how you handle your monthly rent in dubai. There's no standard notice period early termination is settled financially as outlined in your contract.

Scenario 1 - You've signed and paid, but the first landlord payment hasn't been made yet

This usually applies if you signed recently and your tenancy hasn't fully gone live. In this case the pending payment to your landlord is frozen and you have two options:

• Hold your funds for a new property your first payment can be applied to a new tenancy and a new contract.
• Request a refund funds are refunded to the card you paid from. Refunds can take up to 14 business days, and any administrative or processing fees are deducted before transfer.

Scenario 2 - You're mid-tenancy and want to end it before the next landlord payment is due

The pending landlord payment is frozen, and your outstanding liability is calculated. Our backend system performs a standard monthly rent calculation to determine any unpaid installments due up to your termination date, plus an early termination fee equal to the remaining Keyper management fees for the rest of your contract. If there are surplus funds after settling everything, those may be refunded to you.

Scenario 3 - You want to end your tenancy after a landlord payment has already been made

Once Keyper has paid your landlord, those funds can't be refunded. You'll be liable for all outstanding installments that cover the landlord payment already made, plus the early termination fee (remaining Keyper management fees for the rest of your contract). Any partial payments are applied toward your outstanding obligations and don't reduce your overall liability.

To start the early termination process for any of the above, contact our support team. We'll review your situation against your contract, share the exact breakdown that applies, and walk you through the next steps.

If you have a dispute about your contract or a charge

If you believe a payment, fee, or charge on your account is incorrect, get in touch with us first so we can investigate.

To help us resolve disputes quickly, please have the following ready when you contact us: your application reference or contract ID, the date and amount of the disputed payment or charge, a short description of the issue, and any supporting screenshots or documents.

For complex disputes that need to be reviewed by Keyper directly, our team will escalate on your behalf and keep you updated until it's resolved.

If you and your landlord need to resolve something

Pay Monthly handles your monthly rent payments but disputes between you and your landlord (for example, about maintenance, the property condition, or your move-in date) are handled separately under your tenancy contract. If a landlord-related dispute affects your rent or your tenancy, contact our support team. We can review your account and help coordinate where appropriate.

If you change your mind before signing

If you've started your application but haven't yet signed your contract, you can stop the process at any time. Your income verification stays valid for 90 days, so you can use it to apply for a different property within that window without having to verify your income again.

Once you've signed your contract and submitted your first transaction to pay rent with card tools, your tenancy is considered active and the early termination scenarios above apply.

How payments affect your credit

Applying for or being rejected by this rent now pay later option does not affect your credit score.

Once your tenancy is active, however, your monthly payment behaviour is reported to the Al Etihad Credit Bureau (AECB). Missed or late payments will negatively impact your AECB credit score, while paying on time supports your credit profile. Keep your card details up to date and ensure sufficient funds before each payment date to avoid any impact.

How to contact support

• Email us at paymonthly.support@propertyfinder.ae