--- title: "Topkey | Financial Automation for Vacation & Short-Term Rental Managers" description: "Topkey helps vacation & short-term rental managers automate finances and bookkeeping. PMS integrations, corporate cards, expense management, banking, owner/vendor payments, and more." canonical: "https://topkey.io" language: "en" --- # Give your finance team superpowers. Topkey is the AI-powered financial operating system for property managers that auto-categorizes every bill, receipt, and payment by property so you can get back to what matters—hospitality. Trusted by 340+ property managers and 50,000+ properties. ### Transform your accounting with AI. Topkey uses AI to transform real estate and property management financial operations, helping you recover lost profit, tighten expense controls, and speed up financial reporting. ## Close your books in hours, not days. Topkey auto-categorizes bills and receipts, splits trust vs. operating, enforces approvals, automates revenue recognition, and syncs clean data to your PMS and accounting software. Stay in control of your finances while AI automates the busy work. ## Recover lost profit. Lost receipts and small errors add up to big losses for property managers. Topkey keeps every transaction tied to the right property and owner, turning overlooked costs into recovered revenue. ## Built for property managers. Stop using tools that aren’t built for property managers. Topkey brings cards, bill pay, invoicing, revenue recognition, and banking\* into one unified system, powered by AI. Sync clean data to your PMS and accounting software for seamless reconciliation and reporting. ## Property-level insights. Give your leadership team instant clarity without waiting on month-end reports. Topkey gives you real-time insights across properties, trust vs. operating accounts, owners, and vendors. AI spots anomalies and errors so you can make faster decisions, and stay in control. ## Spend more time investing in your properties. Stop wasting hours on manual receipts, data entry, and back-office busywork. With Topkey, AI handles the grunt work while your team takes charge of the business. ### Maximize card rewards. Automate your existing credit cards or use Topkey cards\* to create and control unlimited physical and virtual cards. ### Control costs. See every transaction as it happens and take advantage of intel that reveals opportunities to save even more. ### Stop chasing receipts. Upload receipts and assign expenses to properties on the go, so every purchase is 100% tracked and reimbursed. ### Bank[\*](#) with confidence. One unified solution for business checking and owner deposit accounts to gain a clearer financial picture. ## Integrated to your tools. Topkey seamlessly integrates with the accounting and PMS platforms you use most. Accounting Integrations [ QuickBooks Online ](#)[ Xero ](https://topkey.io/integrations/xero) [ Sage Intacct ](https://topkey.io/integrations/sage-intacct)[ Oracle NetSuite ](https://topkey.io/integrations/oracle-netsuite) [ View all ](https://topkey.io/integrations) PMS Integrations [ Track ](https://topkey.io/integrations/track)[ Streamline ](https://topkey.io/integrations/streamline) [ Guesty ](https://topkey.io/integrations/guesty)[ Hostaway ](https://topkey.io/integrations/hostaway) [ View all ](https://topkey.io/integrations) OTHER Integrations [ Amazon ](https://topkey.io/integrations/amazon-business)[ Credit cards ](https://topkey.io/features/bring-your-own-card) [ Breezeway ](https://topkey.io/features/work-orders-markups)[ Banking ](https://topkey.io/bill-pay) [ View all ](https://topkey.io/integrations) ## Customer Testimonials Topkey gives us confidence that we can scale without sacrificing quality. Louisa Baldock Owner and VP , Solely Beachfront Vacation Rentals I just can't emphasize the team and the customer service enough. Livia Horvath Finance Manager , Juniper Holiday + Home For a company my size, I’m basically saving a full-time employee’s worth of work. It’s a no-brainer in my eyes. Riley Goldman CEO , Beachside VR People are busy. Being able to have an out-of-the-box solution that just works for the industry is extremely valuable. Chad Wise Founder , HostWise.co Topkey is profitable for us, it's not an expense. Mike Wesling Co-Founder , Anchor Point Premier Vacations The first few months after implementing Topkey, we were recouping $10,000 to $20,000 that we were missing before. Heather Gunther Bookkeeper , Coastal Vibe Vacations Topkey saves us money. Emily Burke Owner , ERB Properties There's no customer service like Topkey. People don't do that. Steven Wood CEO , Host & Home Topkey made expenses frictionless. Jed Stephens Co-Founder , Koloa Kai Vacation Rentals We're making money and it's easy to use. Livia Horvath Finance Manager , Juniper Holiday + Home Before Topkey, I knew I was losing money, owners were getting free things, and it was way too hard to track operationally every day. Troy Daily CEO , Elevated Homes & Hospitality It's a no-brainer. You're going to save money and save time. There's no reason not to do it. Jennifer Mucha Founder & President , Arrived This is a no brainer. The week we transitioned to Topkey, I saw immediate time savings. Natalia Enos Revenue Manager , MyOceanRental Topkey saves us almost two full days of leadership productivity that's not spent on month-end accounting. Ryan Toner Head of Operations , Red Cottage Topkey should be the foundation in any successful short-term rental management company. Aidan Groll Founder , Blue Gems Management ## How much could you save with Topkey on your team? Calculate an estimated range of savings on bookkeeping and operations expenses. ## Give your finance team superpowers. ## Disclosures \*Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail. \*\*Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 1 | The interest rate on the High Yield Deposit Account will be 2.93% with an Annual Percentage Yield (APY) of 2.97%. The interest rate on the Regular Deposit Account will be 1.52% with an Annual Percentage Yield (APY) of 1.53%. These rates are effective as of 9/17/26. These are variable rates and are subject to change after the accounts are opened based on the Federal Funds Rate. Minimum opening deposit and average balance requirements may apply. Fees could affect earnings on the account. Topkey does not provide tax, legal, or accounting services. All information on this site is for educational purposes only.