Online options AGAIN

[Rebecca E.]

So when I started renting out my properties, I used Cozy.  I loved it.  

It was free to tenants, which is important to me.  

They had an application which was free to me and gave me an actual credit score, which is in my criteria for tenants.  The application also had a multi-state background check.

I could see if they tenant paid with bank account withdrawal or credit card.  I want the ability to not accept credit card payments. 

I liked the automatic payment option, as it gave me confidence that rent was going to be paid, although few of my tenants actually used it. 

Now of course cozy is gone and I've been using apartments.com.  I don't love it.  The application doesn’t give me the information I need to check my criteria.  They allow credit card payments and don't give me the choice to not allow that.  Why is that important?   I've heard recently that some less than honest tenants are using chargebacks to get their rent money back, up to 90 days after paying it.  The money is then "clawed-back" from your account with little recourse.  Obviously i don't want that.  

Avail, turbotenant, rentreadi, doorloop don’t meet my needs as described above.  Are there any others out there?  

Have you had issues with chargebacks for rent?  Am i worrying about this unnecessarily?