Tenant screening without the paperwork chase
Kwalify takes tenant applications on WhatsApp. It collects the ID, payslips and bank statements, reads the figures if you switch that on, and applies your own affordability rules, such as a minimum income. Anything that fails goes to a person: Kwalify never declines a tenant by itself. Then the lease is signed and the deposit paid into your own account.
Checked against the ECTA on · by Timo van Deventer, Senior AI Product Specialist
Example: your applicant, on WhatsApp
Thanks, Thandi. Please send your bank statements for the last 3 months.
PDF: bank statements
What lands on your desk
Thandi Nkosi
Rental application · example
Questions answered
ID, payslips and statements in and checked
Passed your affordability rules
Lease ready to sign
How tenant screening works in Kwalify
Asks
The applicant answers your questions one at a time in a WhatsApp chat, in English or Afrikaans. There is no app to download.
Collects
ID, payslips, up to 6 bank statement files and a proof of address, sent in the chat or by an upload link.
Reads and checks
With your opt-in, Kwalify reads the figures off payslips and bank statements. Code does the sums, and every figure shows the quote and page it came from.
Applies your rules
Your affordability rules decide pass or refer. A failed rule, or a flag on a statement, goes to a person on your team. A person makes every decline.
Chases
Reminders on WhatsApp, SMS or email until each document is in, within quiet hours: at most 3 an hour and 6 a day.
Signs and takes the deposit
The lease is signed on the phone with a one-time code, initialled on every page. Then a payment link from your own Paystack, Yoco or PayFast account takes the deposit, and the tenant gets a receipt.
Affordability, on your own rules
You set the rules, such as a minimum income against the rent. Kwalify applies them to every application the same way, and checks each bank statement for signs that something is off:
- The balances on each statement reconcile
- The salary on the statement matches the payslip
- Names and ID numbers match across documents
- The statement covers the period you ask for
- No signs of an edited PDF or hidden text
Any flag goes to a person. Kwalify approves automatically only if you switch that on, and only when an application passes every rule with no flags.
Thandi Nkosi
Rental application · example rules
Earns at least 3 times the rent
Payslip for September: R24 600, rent R7 800
Salary on the statement matches the payslip
Bank statement, September: R24 600 in
Statement covers the last 3 months
Only 2 months sent
One rule failed. Sent to a person to decide.
The lease and the deposit
Once you approve, the tenant signs the lease on their phone with a one-time code, and you get a sealed PDF with an audit trail of who signed and when. The deposit is paid through your own payment provider, so the money goes straight to you: Kwalify never holds it. See getting paid.
The ECTA does not make a lease of land for more than 20 years valid (Schedule 2). Check with an attorney before signing one of those electronically. More on electronic signatures.
What it costs
Tenant screening is on the Flows plan: R1 950 a month for 100 completed applications, then R15 each, with unlimited users. Setup is once-off, from R7 500.
Questions people ask
How does Kwalify check affordability?
Does Kwalify turn tenants down automatically?
Can the lease be signed on the phone?
Can a co-applicant be part of the same application?
More on Kwalify
How it works
An application end to end: asks, decides, chases, then signed and paid.
Read moreGetting paid
A payment link after signing, through your own Paystack, Yoco or PayFast account.
Read moreElectronic signature
What the ECTA says, and how a document is signed and sealed on the phone.
Read moreApplications on WhatsApp
A full application on WhatsApp: questions, documents, checks, decisions and signing.
Read more