TL;DR
Innago is a property management platform serving independent landlords and property managers across the US. To offer tenants flexibility and keep rent collection cost-effective, Innago needed a unified payments stack supporting both cards and ACH bank transfers – with ACH being the primary focus given its significantly lower processing cost on high-ticket rent payments.
Juspay Hyperswitch enabled Innago to consolidate card and ACH payments through a single API, processing ACH via Payload. Beyond the core integration, Hyperswitch handled the unique mechanics ACH introduced: bank account addition and verification, asynchronous status management, and post-success failure handling.
| What Innago Needed | What Hyperswitch Delivered |
| Unified card + ACH on a single payments stack | Single API for both payment methods across multiple PSPs |
| Lower processing costs for rent payments via ACH | ACH via Payload at ~0.5% vs 2.9%+$0.3 via cards |
| Bank account addition and verification across PSPs for ACH payments | $0 authorization to add and verify bank accounts |
| Asynchronous payment status tracking for ACH payments | Webhook-driven state machine with clear lifecycle |
| Post-success failure handling for ACH payments | ACH returns routed through the dispute workflow |
Impact
- Slashed processing costs on high-ticket rent payments through ACH
- Unified cards and ACH on a single payments stack
- Resolved asynchronous state management
- Automated post-success ACH failure handling
Products Used
- Hyperswitch
Innago is a leading property management platform designed to simplify rent collection and lease management for independent landlords. Collecting rent is inherently a high-ticket transaction (often exceeding $1,000 per month), and PropTech platforms face extremely tight margins. Processing a standard rent payment via credit card incurs hefty fees of around 3% – over a year, a landlord collecting $10,000 a month could lose nearly $3,500 simply to processing fees. Consequently, offering low-cost ACH bank transfers (which average around 0.5%) wasn’t just an alternative for Innago, it was an absolute necessity.
However, building infrastructure for ACH payments meant managing a fundamentally different pay rail. Unlike credit cards, which are synchronous and provide instant success or failure confirmations, ACH payments are fundamentally asynchronous and pull-based. It can take days for an ACH transfer to process, and introduces the risk of post-success failures – a payment that initially marks as "successful" can fail days later due to insufficient funds (NSF) or a closed account. Because most legacy payment infrastructure is built strictly for real-time card flows, Innago was left wrestling with terminal status fluctuations, fragmented verification methods, and the operational nightmare of tracking delayed bank returns.
Innago needed a specialized infrastructure capable of treating complex ACH lifecycles with the same first-class reliability as cards. Partnering with Juspay Hyperswitch, they deployed an advanced orchestration layer purpose-built to handle the deep technical nuances of high-ticket bank and card payments.
Unified API Architecture to Consolidate Cards and ACH
Hyperswitch provided Innago with a single API integration covering both cards and ACH bank debits, entirely eliminating the need to maintain separate integrations. In a single seamless migration, Innago ported onto Hyperswitch with both rails configured and live across their chosen PSP, Payload. Now, all payment methods, stored mandates, and transaction histories are visible and manageable through one unified dashboard.
Features used: Bank Debits (ACH), Multi-PSP Orchestration
$0 Authorization Flows to Streamline Bank Account Verification
Before rent can be collected via ACH, tenants must securely add and verify their bank accounts. Because this process must strictly follow the underlying PSP's compliance flow, building a fragmented verification experience was out of the question. Hyperswitch solved this by supporting PSP-native verification through a $0 authorization flow – a zero-amount payment attempt that registers and validates the bank account securely without actually charging the tenant.
Features used: Bank Debits (ACH), Open Banking / Plaid Integration
Webhook-Driven State Management for Asynchronous Payments
Unlike card payments that confirm in seconds, ACH initiates a multi-day process through the banking network. Terminal status can take 2-4 business days to resolve. To solve landlords’ anxiety of pending bank transfers, Hyperswitch manages a clean, automated state machine. Payments move systematically from RequiresConfirmation to Processing to Success/Fail. Driven entirely by reliable webhook events, Innago's platform can automatically surface the exact status to landlords at every stage – showing "pending" on initiation, and "paid" only on confirmed success – without needing to build custom async logic.
Features used: Webhook Infrastructure
Dispute Workflows for Post-Success Failure Handling
The most disruptive ACH scenario is the "invisible reversal" – when a payment shows as successful but gets returned by the bank days later due to insufficient funds (NSF) or a closed account (sometimes as long as 5 days later). Hyperswitch tackled this by elegantly routing post-success ACH failures through its Dispute Management workflow. Instead of an orphaned status update, an ACH return automatically opens a dispute and fires a structured webhook. This gives Innago a clean, auditable workflow to instantly notify the landlord of the reversal and prompt the tenant for a new payment method.
Features used: Dispute Management
Result: A PropTech-Optimized Payments OS
By upgrading their payment stack with Juspay Hyperswitch, Innago successfully transformed a complex web of asynchronous payment logic into a streamlined, highly reliable transaction engine:
- Maximized Profitability on High-Ticket Payments: Intelligently routing large rent payments to ACH drastically reduced transaction costs, saving landlords and Innago thousands of dollars annually.
- Enhanced Tenant Experience: By standardizing the varied ACH verification processes – including $0 verification – tenants enjoy a smooth, predictable onboarding and rent payment experience.
- Operational Clarity and Automation: Webhook-driven state management and automated post-success failure handling eliminated the operational ambiguity of delayed bank transfers, giving support teams and users accurate, real-time financial tracking.
- Auditable Failure Resolution: By treating post-success bank returns as first-class dispute events, Innago turned invisible reversals into manageable, automated workflows for their support and finance teams.
Next Steps: FRM & Time-Based Success Marking
Innago continues to push the boundaries of PropTech payments. Moving forward, they plan to activate Hyperswitch’s Fraud and Risk Management (FRM) for pre- and post-authorization tenant verification. Furthermore, to handle PSPs that do not send asynchronous failure webhooks, Hyperswitch is building a "Time-Based Success Marking" mechanism. This will hold payments in "pending" for a 3-day window to absorb early ACH failures, before automatically promoting them to confirmed success, further reducing false positives and ensuring a pristine payment ledger.
With Juspay Hyperswitch acting as an intelligent orchestration layer, Innago is perfectly positioned to scale its platform securely, backed by an infrastructure that turns payment complexity into a competitive advantage.
