Payments Middleware for Real Estate

Collections, escrow, investor payouts and compliance — all in one platform built for property professionals.

Contact Sales
UrbanPay

Pay to

Urban Rent Ltd.

September '25 rent:

1,500€

Pay by bank:

Deutsche Bank
or pay by card
Card number
MM/YY
CVC
Secured by UrbanPay
9:41

Changing the real estate game, one payment at a time.

Name the vertical, UrbanPay has a solution for you!

Hotel Management

High-ticket booking fees penalize your margin on every charge. Replace card payments with instant A2A transfers and significantly cut per-transaction costs. At check-out, the guest pays in seconds from their phone — no queues, no card terminal.

Learn more
Residential

Automate the full tenant cycle with SEPA direct debits, integrated KYC to verify creditworthiness before signing, and electronic contract signing — all from a single platform.

Learn more
Commercial

In office and retail portfolios, per-asset traceability is critical and manual reconciliation unviable at scale. Integrated with your CRM or PMS, UrbanPay automatically reconciles every charge by asset in real time.

Learn more
Crowdfunding

Regulatory KYC for investor onboarding, segregated escrow accounts per project, and automatic bulk payments to distribute returns to all investors simultaneously.

Learn more
Co-living / Flex Living

High turnover, variable stays and dynamic pricing make manual reconciliation unviable. Integrated with your PMS, UrbanPay automatically schedules charges for each stay. A2A payments eliminate SEPA chargebacks.

Learn more
Student Housing

Fast mobile KYC for identity verification in minutes, deposit collection via A2A to avoid card limits, and automated recurring payments throughout the academic year.

Learn more

Two ways to get started

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.

No technical setup required

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

Customizable payment links

Generate personalized payment links and send them via email with your own company templates. Track in real time which payments have been received, which are pending, and which have failed.

KYC verification links

Send verification links to your clients or investors. They complete the process in minutes from their phone, and you see the result instantly — no paperwork.

Electronic document signing

Send contracts from the dashboard using your own templates. Your client signs electronically and everything is recorded in one place.

Time to modernize

The real estate market is years behind in payments, it's time to catch up!

UrbanPay leverages Real Time Settlement rails both locally and internationally through a set of strategic partnerships to be able to offer state of the art payments at a fraction of the cost. What this means for you is an increased top-line, retention and better margins overall.

c.20%

Avg. cost savings vs. other solutions

99.9%

Avg. uptime in open banking payments

Coverage

Operating across Europe and beyond

Three levels of service depending on the market

Instant Payments (A2A)
Other countries

Instant Payments (A2A)

Direct bank-to-bank transfers with real-time settlement

SpainPortugalFranceItalyGermanyUnited KingdomIrelandBelgiumNetherlandsLuxembourgAustriaDenmarkSwedenEstoniaLatviaLithuaniaPolandHungaryRomania

19 countries

Card Payments

Accept Visa, Mastercard, and digital wallets globally

GlobalAll countries except sanctioned territories

KYC & Compliance

Identity verification and regulatory compliance

GlobalAll countries except sanctioned territories

Security & Compliance

Built on the highest industry standards

We are PSD3 compliant and only partner with providers certified to the highest market standards, so your funds and data are always protected.

PSD3 Compliant

EU Regulation

UrbanPay helps companies that collect investor funds stay fully compliant with the Payment Services Directive 3. Our infrastructure ensures segregated accounts, strong customer authentication, and full regulatory transparency.

SOC 2 Type II

Our partners hold SOC 2 Type II certification, proving continuous compliance with rigorous security, availability, and confidentiality controls.

ISO 20022

Financial Messaging

The global standard for electronic data interchange between financial institutions, enabling richer, structured, and transparent payment messages for cross-border transactions.

ISO 8583

Card Transactions

Defines the message format for systems that exchange electronic transactions, such as ATM, POS, and online card payments.

ISO 27001

Information Security Management

Essential for payment service providers to demonstrate a commitment to data protection, risk management, and security.

Regulated partners only
End-to-end encryption
Annual audits

Ready to take your business to the next level?

Join the real estate leaders who are already transforming their payment infrastructure with UrbanPay.

Schedule a Demo