New landlord - any recommendation on rental payment system?

[Jayme Jahns]

Hello! I'm a soon to be new landlord for a fully occupied quadplex and have been studying laws and basically learning to be a landlord from the ground up. 

One thing I am having trouble deciding is which online rental payment system to use. Here is what I am looking for:

Either free of low cost to me 

Autopayment

One time payment

Automatic late fees 

Ability to give a discount inventive to tenants who use auto pay

Payment Options:

Direct deposit from checking account

Credit

Debit 

A call in option if no computer access

I've looked at dozens of sites and didn't find all of these features without a bit of a higher cost to me. 

Any recommendations? Am I simply giving too many options to my tenants?

I am trying to look at this from a tenants perspective. I hate being forced into auto pay especially for something as costly as rent. So I thought I would give the option to use 1 time payments as well but add the incentive for auto. 

In your experience is it just better to do auto pay only because it will prevent late fees or did your transaction ever have insufficient funds anyway? 

Thanks for advice!