Posted by Chuck on March 14, 2017
Manufactured Spending

Published on March 14th, 2017 | by Chuck


Radpad Rent Payments are Back [CSR MS Angle]

A blast from the past: Radpad.

Radpad is a home/apartment rental finder business who has an auxiliary service which allows rent payment with credit or debit card for a fee. The standard fee on credit cards is 2.99% and for debit is $4.95 or $9.95 (depending if your rent is above $5k).

Pay with Radpad link

Back in October, Radpad shut down their rent payment service,  “to focus our team around a few key areas of our business,” as they explain. Today, the company relaunched their rent payment service under new ownership.

Screen Shot 2017-03-14 at 9.56.36 PM

Some people had some bad experiences with them toward the end, as I recall. Personally, I wouldn’t be too worried if I’m making a payment with a credit card since there is card protection there.

Why we care about Radpad?

The truth is that with their standard 2.99% pricing, you’d do better paying your rent with Plastiq who charges just 2.5%.

The main interest in Radpad right now is due to the fact that, previously, Radpad coded as a travel purchase when using Android Pay or Apple Pay since it’s part of the lodging/hotel category. This was and is especially interesting for the Sapphire Reserve card which offers 3x on travel purchases. It might be interesting for some other card or offer which gives a bonus in the travel category. In the comments there is mention that it might code at 3x on Prestige with Apple/Android Pay and 3x on AT&T card with direct payment.

We are waiting for confirmation that it still codes as travel on Android and Apple Pay; there’s certainly a possibility something changed.

Update: Apple Pay is coding as Travel, as expected.

Just to reiterate, the travel coding works only when paying with Apple or Android Pay, not when using direct credit card payment.

There have been various promotions from Radpad in the past, and I’m hopeful we’ll see more in the future, perhaps upcoming soon with the relaunch of their service. Nice to have a steady way of ‘buying’ UR points for 1 cent-per-point, and if Radpad runs a promotion to lower the rate it can be even better.

Hat tip to wiivile on r/churning

53 Responses to Radpad Rent Payments are Back [CSR MS Angle]

  1. Rich says:

    Can mortgage payments be made on Radpad?

  2. Vic says:

    I updated my app as soon as I saw this on reddit and it’s giving me this error.

    Apple Pay is not available in “RadPad”

  3. Saurabh Panchi says:

    I wouldn’t trust radpad, if I remember correctly they didn’t return money to lot of users before going down.

  4. zmicer88 says:

    Get same error message on iPhone. Contacted their support.

  5. Brijesh says:

    they are not accepting paypal debit cards anymore

    • Jason says:

      O, that kills the deal for me completely.

    • Howard says:

      I just scheduled a rent payment using my paypal business debit mastercard, and the RadPad website accepted it. What message did you get that makes you say “they are not accepting paypal debit cards anymore”?

    • Howard says:

      The RadPad Frequently Asked Questions page specifically says that they do accept PayPal debit cards:

      “We accept PayPal debit cards! PayPal works a little differently than most traditional debit cards. Before setting up a payment, please check that your bank account is properly linked to your PayPal account and that you have your settings enabled so that it may withdraw directly from your bank account. If you do not wish to do that, please make sure you have transferred enough money into your PayPal account to cover your rent payment for the month.

      “If you enter all of your information into Pay with RadPad and the debit card shows as a credit card, please email and we will fix that issue on the backend within 24 hours.”

  6. ElBarto says:

    This is great news! It also coded as 3x for the Citi Prestige. Will be curious to see if that’s still the case.

  7. TJ says:

    I’m not sure if it’s just me, but I cannot add Chase Sapphire Reserve linked with Android pay on the radpad payment card.

    Can someone confirm this information?

    Maybe radpad is not accepting android pay anymore or something..

  8. Jake N says:

    Just was able to successfully authenticate a Prestige card via Apple Pay on the app. I don’t have any immediate CSR / Prestige MS needs, but wanted to share the news.

  9. PrathapReddy Jambula says:

    Hey Doc,
    Help me understand how is Radpad will be useful even if its coded as 3% with CSR as 2.99% of rent would nullify the benefit.

    • Chuck says:

      Still good for travel credit and for racking up URs. We discuss this in the post.

    • sirtheta says:

      Since UR are generally worth more than 1 cpp, 3x UR can work out to 4.5-6% cashback, which is greater than 2.99%*. It’s not a good way to rack up UR, but it can be situationally useful since you’re unlikely to get more rewards on your rent by some other method.

      * tSince UR are generally worth more than 1 cpp, 3x UR can work out to 4.5-6% cashback, which is greater than 2.99%*. It’s not a good way to rack up UR, but it can be situationally useful since you’re unlikely to get more rewards on your rent by some other method.

      * so, technically it’s a gain of 3x UR on 102.99% of rent versus a cost of 2.99% of rent. So even at UR = 1 cpp (3%) you wind ahead by 0.0997% instead of 0.01%.

      • sirtheta says:

        Woops, my phone keyboard accidentally pasted my comment or something; ignore everything in that first *.

      • PrathapReddy Jambula says:

        Thanks for the reply ,
        so if we redeem it towards travel/hotel category it is useful but for just statement credit it may be straight 3% right?

        • Chuck says:

          Right, for cash redemption there is no gain. Unless you just find it convenient to use Radpad, then it’s a break-even (tiny, tiny profit).

    • Some people value Chase UR at more than 1¢ each. In addition it triggers the $300 travel credit.

  10. Jake N says:

    Any data points from using Citi Prestige coding as travel? I need to spend $4k this month, so wondering if it’s worth going through RadPad or just going with VGCs.

  11. David says:

    any DP on paying directly on Radpad with CSR still get 3X? aka no Apple Pay or Android Pay
    -upgraded my preferred to reserve for this!

  12. R says:

    radpad is requesting driver license and copy of lease? is that normal?

  13. Jason says:

    Does it make more sense to use PPBDC with RadPad now or with Plastiq?

    Will it earn cashback with either website at this point?

    My rent is about $2100. Please advise.

  14. Penny says:

    I assume PPBDC is still considered debit to Radpad? I rather pay the $5 flat fee instead of the 2.99% or less over at Plastiq

  15. David says:

    Curious if I used radpad w/android pay and my US Bank Altitude card. Will it give me x3?

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