Verify, sign and collect from your customers automatically.

UrbanPay handles onboarding, payments throughout the stay and investor capital, so you can spend your time on what actually grows your business.

Built on PSD2 · eIDAS
19+ European markets
Instant settlement

UrbanPay · Verify

Verify your identity

We need to confirm it's really you before signing the lease.

ID document

Uploaded · DNI 12345678X

Liveness check

Scanning face…

Look straight at the camera

Encrypted · GDPR compliant
9:41
UrbanPay flow

Identity

KYC verified

Contract

E-signed

Payment

Open Banking

Settled

Funds received

Liquidación T+0

Four pieces. Infinite workflows.

Every real-estate operation is built by combining the same blocks. UrbanPay orchestrates them for you.

Add notifications, waits and rules — and you have a complete workflow.

Identity verification

Verify tenants, investors and companies in minutes (KYC/KYB). UBO identification, AML screening and ongoing monitoring built for real estate.

Contract signing

Legally binding electronic signature (eIDAS), chained to onboarding and the first payment. No more PDF round-trips.

Direct bank payment

Collect straight from the customer’s bank account — direct bank payment (Open Banking · A2A). Instant settlement, no chargebacks, fees from 0.25%.

Segregated account

Coming soon

Per-project segregated accounts (escrow) for deposits, fundraising rounds and milestone-based payouts.

Add notifications, waits and rules — and you have a complete workflow.

Automate what you now do
manually or across scattered tools

and stop losing time on the operational work that costs you so much. We connect your 4 blocks into one flow per vertical, so everything runs on its own.

Composed with your 4 building blocks
KYCContractsA2A PaymentsEscrow
Tenant onboarding
Checking ID…
New tenant
Identity verification
Credit / default check
Lease signing
Deposit & rent charge
Tenant onboarded
Rejection notice
Application rejected

You can also create your own template tailored to your operation.

Choose how you want to use UrbanPay

Whether you want to start collecting today without writing a single line of code, or integrate our services deeply into your systems — we've got you covered.

Start collecting today, without any code

Create your account and start using UrbanPay immediately through our client portal. No IT team needed, no weeks of implementation. Send payment links, verify customers and sign contracts — all from a single platform.

Talk to us
Overview
Last 30 days · UrbanFlip S.L.
Live
Cobrado
€482k
+12.4%
KYCs OK
1.284
+8.1%
Firmas
342
+4.6%
Volume
+18%
Cobros / día
Últimos cobros
M. García€1.250OK
J. López€890OK
A. Pérez€2.400Pend.
S. Ruiz€675OK

Collecting €1,000 of rent by card costs €14 or more. With UrbanPay, €2.50.

Up to 8 times cheaper than a card gateway, with no chargeback risk. And because every payment arrives reconciled against its contract and its property, teams that used to close the month by hand get back 40+ hours a month.

8x

Cheaper than collecting by card

40+

Hours a month recovered from manual reconciliation

A €1,000 card payment runs about €14.25 with a gateway like Stripe (1.4% + €0.25). With UrbanPay account-to-account at 0.25%, it is €2.50.

See the full comparison with Stripe →

We operate with all our capabilities in 19 countries

Full A2A, cards and KYC coverage across these markets

Full coverage
Other countries
Instant Payments (A2A)
KYC & Compliance
Contract Signing

Markets with full coverage

19 countries
SpainPortugalFranceItalyGermanyUnited KingdomIrelandBelgiumNetherlandsLuxembourgAustriaDenmarkSwedenEstoniaLatviaLithuaniaPolandHungaryRomania

Before you ask

Nothing. Your money never touches our balance sheet: it goes straight from the payer's bank to your account, initiated by an entity supervised by the FCA and BaFin. And your data (payments, contracts, verifications) is exportable at any time. No lock-in.

Your next operation, frictionless.

Tell us the workflow you want to automate. In 30 minutes we’ll show you how it runs on UrbanPay — with your data.

Let's talk about your flows

Request access

Tell us about your company and our team will reach out shortly.