Owner payments and matching
The accounting module is in preparation — see Accounting (overview). This page describes planned features.
Owners pay monthly by standing order or by one-off payments. OpenResi tracks who paid, when and how much, and automatically matches it to the fee schedule.
For the owner
How to pay
The profile shows the current fee schedule. The owner can download the PDF fee schedule, which contains:
- The HOA's account IBAN
- The monthly amount
- The variable symbol (VS)
- A QR code (PAY by Square — SK / SPAYD — CZ) for quick filling in the banking app
After scanning the QR code in the banking app all fields are pre-filled and the owner only confirms the payment.
Standing order vs. one-off payment
| Type | When to use | Benefits |
|---|---|---|
| Standing order (recommended) | Regular monthly payments | Nothing forgotten, no penalties |
| One-off payment | Top-up / correction after the annual statement | Flexibility for irregular amounts |
The QR code in the fee schedule includes a standing-order flag — banks recognize it and create the standing order with one click.
Unit ledger
In the "My unit ledger" section the owner sees the running balance:
| Date | Description | Fee schedule | Payment | Balance |
|---|---|---|---|---|
| 1. 1. 2026 | Fee schedule January 2026 | -154,30 € | -154,30 € | |
| 7. 1. 2026 | SEPA payment | 154,30 € | 0,00 € | |
| 1. 2. 2026 | Fee schedule February 2026 | -154,30 € | -154,30 € |
A negative balance = underpayment (the owner owes the HOA). Positive = overpayment (the HOA has more on record than was prescribed).
Clicking a row expands the detail — for a payment, for example, the account number it came from.
Payment history
A separate "Payments" tab shows all payments from the bank chronologically, with a link to the bank transaction.
For the chairman / treasurer
Ways to record a payment
1. Automatic bank import (recommended)
OpenResi can load payments from the bank without manual retyping:
| Bank / format | Method | Difficulty |
|---|---|---|
| CAMT.053 XML | Download the statement from internet banking, upload it to OpenResi | Low — all SK banks |
| Fio banka REST API | Token in Settings → automatic polling every 4 h | Very low — one-time setup |
| MT940 / ABO / GPC | Older format, fallback for some banks | Medium |
After import OpenResi automatically matches each payment to the fee schedule by:
- Variable symbol (VS) — primary
- Specific symbol (ŠS) — secondary
- Payer's IBAN + amount + name — tertiary
The match has a confidence score (0–100%). At a high score the payment is matched automatically. At a low score OpenResi suggests the most likely matches and you pick one with a click.
2. Manual recording
Cash payments or bank transfers without a VS can be entered manually — a form with owner, date, amount and description.
Import idempotency
OpenResi tracks the unique identifier of each transaction (AcctSvcrRef from CAMT.053). If you accidentally import the same statement twice, duplicate payments are not created.
Manual corrections
For an incorrectly posted payment you can:
- Move the payment to another owner (accidentally sent with the wrong VS)
- Refund the payment (overpayment → refund)
- Split the payment across several months (the owner paid a whole quarter at once)
Every change is recorded in the audit log — no one can rewrite history without a trace.
Penalties — late payment interest
When they are calculated
If the owner does not pay the fee schedule by the due date, OpenResi starts calculating late payment interest:
Slovakia — Government Regulation of the Slovak Republic No. 87/1995 Z. z.:
- Rate = ECB repo rate + 5 percentage points
- Calculated daily on the unpaid amount
Czech Republic — Government Regulation No. 351/2013 Sb.:
- Rate = ČNB repo rate + 8 percentage points
- Calculated per half-year
OpenResi updates the rates regularly via seed.
Reminder notice (PDF)
For each debtor the chairman can generate a reminder notice in PDF format with one click, which contains:
- A table of unpaid installments
- Calculated interest as of the current date
- A summary of the total amount due
- A dynamic QR code for payment (with the correct amount)
- The statutory notice
The chairman sends the reminder notice to the owner by email or by registered mail.
OpenResi calculates the interest, but does not post it automatically. The chairman decides when to post the interest to the owner's account — usually after the principal is paid or with the annual statement.
Cash flow projection
In the "Cash flow" section you see a chart of the projected balance of the FPÚO and of the bank account for the next 6 months.
The projection takes into account:
- Existing fee schedules (future installments)
- The historical ratio of paid payments (% actually paid)
- Known future expenses (recurring invoices, approved repairs)
This lets the chairman answer questions such as:
"We have €12,000 in the account. Can we repair the roof now for €8,000, or do we have to wait?"
The chart is not an accounting prediction — no debit/credit entries, purely a trend visualization.
Banking data security
- API tokens (e.g. for Fio) are encrypted in the database
- Tokens are read-only — OpenResi does not withdraw from the bank, it only reads the payment history
- You can revoke the API key at any time in Settings → External connections