GatherAMS vs PayHOA: the PayHOA alternative, priced honestly
Built for self-managed homeowners associations, priced by door, with every feature included at every tier.
A self-managed HOA that wants assessments, accounting and violations in one place and does not need events, committees or member email.
What each one costs you
Put in your own numbers. Nothing is sent anywhere — this runs in your browser.
Everyone in the database — what our plans are counted in.
What PayHOA bills on. Two owners on title is two contact records but one home.
Dues, tickets and donations taken by card in a year.
- Subscription, yearly
- $1,068
- Payment markup
- None
- Card processing
- $1,740
Processing is Stripe’s own 2.9% + 30¢, billed to you by Stripe. We add nothing to it.
- Subscription, yearly
- $3,024
- Card processing
- $2,100
Processing at their published 3.5% card rate. Plus incoming card payments at 3.5% + $0.50, and ach at $2.45 each, as published.
PayHOA pricing as published by them, checked July 2026. Our own price is exact. Card processing figures are estimates from published rates, not quotes, and your negotiated rate may differ. Sources: PayHOA pricing.
Where the two genuinely differ
Published at 3.5% + $0.50 for incoming card payments and $2.45 per incoming ACH.
Whatever your own Stripe account charges you — typically 2.9% + $0.30 — with nothing added by us.
Focused on HOA accounting and compliance. Events and member email are not the point.
The same violations, ARC queue and assessments, plus events, committees, elections and email in the same subscription.
One vertical, done properly.
Four, and the console changes its vocabulary to match which one you are.
Doors, which is the natural unit for an HOA.
Contact records — so a 320-home community with both owners on title is billed as roughly 640 records.
The console the comparison is about — a live demo account with real records, not a mock-up. Open it yourself below.
Feature by feature
46 of these 59 capabilities are live in GatherAMS today; 39 are in PayHOA. Where a line does not apply to a product it is marked with a dash rather than counted against it.
Members & contacts
Events & scheduling
Website & public pages
Communications
Payments, billing & accounting
Compliance & governance
Mobile
Reporting & analytics
Integrations & API
Platform & security
Capability marks for PayHOA reflect published material and product documentation as of July 2026. Products change; if something here is out of date, tell us and we will correct it.
Check these claims against the software itself
Every row in the table above describes a real account you can open. One field, no card, no call — then judge the comparison for yourself.
Up to 5 visits per address. We will not put you on a drip campaign — the only follow-up is one invitation to apply, and only if it looks like a fit.
PayHOA questions, answered straight
What does PayHOA cost?
PayHOA publishes its prices: from $54/month for up to 25 units to $275/month for 500 (then $0.55 per unit), with all features on every tier. Payment processing is charged on top at published rates of 3.5% + $0.50 per card payment and $2.45 per incoming ACH. On $60,000 of annual assessments, card processing alone is roughly $2,100 a year.
What is a good PayHOA alternative for a self-managed HOA?
GatherAMS covers the same core — scheduled assessments with automatic late fees, violation tracking with photo evidence, architectural review, owner records and an accounting export — and adds events, committees, elections and member email in the same subscription. Payments run on your own Stripe account at Stripe's rate with nothing added, which is the largest practical difference for most boards.
What do PayHOA reviews tend to say?
Reviews on the aggregators are broadly positive about its HOA accounting depth and per-door pricing, with the recurring caveats being payment processing cost and the absence of anything beyond HOA operations. That matches our read: for pure HOA bookkeeping it is a strong product — our page on it says exactly who should still pick it.
How is GatherAMS priced for an HOA?
On contact records rather than doors: a 320-home community with both owners on title is roughly 640 records, which lands on the $89/month plan with every feature included, no setup fee, and 0% added to payments. The comparison page has a calculator that prices both products against your own community size and assessment volume.
Do not take our word for any of this
Open a live demo and check the claims yourself. An email address, no card, no call.
The other comparisons
Same shape, same sourcing: their published prices, ours exact, and the part where they suit you better than we do.