Free your teams. Automate collections. Scale further.

UrbanPay automates payments, KYC and contracts across your entire operation — so your team stops chasing money and starts moving the business forward.

PSD2 · eIDAS · GDPR
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

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

Name the vertical, UrbanPay has a solution for you!

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
Hotels

Hotels collecting direct bookings on their own website pay two tolls: OTA commissions and card processing fees. UrbanPay replaces that flow with A2A via Open Banking — the guest pays from their bank in seconds, you receive funds instantly at 0.25%.

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

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

Security & Compliance

Built on the highest industry standards

We are PSD2 compliant and only partner with providers certified to the highest market standards, so your funds and data are always protected.

PSD2 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 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

Request access

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