Hey Sasha,
Your concern is 100% valid.
A lot of landlords underestimate the risks that come with accepting credit card payments:
Common issues with credit card rent payments
Chargebacks: A tenant can dispute a payment weeks later, and you’re stuck proving it was legitimate.
Stolen cards: If the payment is reversed, you may have already delivered possession or services.
Processing fees: High fees eat into your cash flow, especially on larger rents.
Encouraging bad habits: Tenants using credit cards for rent sometimes signals cash-flow issues.
Because of all that, most landlords prefer to have control over payment methods.
Would I use software that forces credit card payments?
Personally, no.
If the platform doesn’t let you disable certain payment types, you’re exposed to risks that could easily be avoided — and you lose flexibility as your portfolio grows.
There are plenty of platforms that do let you control this. For example, DoorLoop allows landlords to turn payment methods on or off (ACH, debit, credit card, cash payments via Western Union, etc.). That way you can:
Allow only ACH to reduce chargebacks
Enable cards only for late fees or one-time payments
Disable cards entirely if you don’t want the risk
That level of control is important, especially if you’re managing remotely or scaling your units.
Bottom line
If a software doesn’t let you choose payment methods, that’s a red flag.
The ability to manage risk — especially around payments — is something you don’t want to give up.
if you want to try it out here's the link
Hope this helps, and curious to hear what others here have experienced with credit card payments + chargebacks.