What happens if a tenant reverses a rent payment?

This is the one genuinely uncomfortable property of Bacs, and it's worth understanding before you rely on it. Under the Direct Debit Guarantee a payer can ask their bank to reverse a Direct Debit. There is no time limit, and the bank's decision is final — it cannot be appealed by you or by Tenarize, and there is no evidence to submit.

Because rent is charged on your own Stripe account, a reversal is taken from your Stripe balance. If your balance doesn't cover it, Stripe recovers the shortfall from the bank account you linked for payouts. Nothing is owed to Tenarize and nothing is withheld from other rent.

• The payment moves to a Disputed status, which reopens that month as unpaid — so it reappears in arrears and can be charged again.
• You're emailed when it happens, and every reversal is listed in a Reversals panel on the Payments page with the amount, date, reason in plain English, and a link to the tenancy.
• Chasing the rent itself is then between you and your tenant, exactly as it would be with any other unpaid month.

Worth knowing: The Reversals panel is read-only on purpose. Offering a 'challenge this' button on a decision that cannot be challenged would be worse than offering nothing.