Why we built UrbanPay
We've sat on your side of the table. Running a real estate operation means money landing from a dozen banks, deposits tracked in spreadsheets, contracts bouncing around as PDFs, and a back office that grows every time you add units.
We never accepted that collecting rent and investor capital had to be a monthly reconciliation marathon. So we built UrbanPay: payments, identity and signing in one flow — made by people who know both real estate and payments.
Tell us the workflow that's slowing you down, and we'll show you what it looks like without the friction.
— The UrbanPay founding team (Álvaro, Moha, Junhan & Luis)
Luis Jiménez
Product
Álvaro Martínez
CEO
Junhan Li
CTO
Mohamed El-Madani
Business development
Our journey
The idea is born
elsa.care and UrbanPath identify the massive gap in real estate payments and begin designing a joint solution.
First product launches
The first A2A payment product is launched, tailored to Urbanflip's specific needs for investor collection and profitability distribution.
Product expansion & first clients
Full product suite expansion with identity verification, mass disbursements, and Open Banking. First external clients onboarded.
European expansion
Expanding A2A instant payments across European markets and scaling the team to serve new verticals.
Security & Compliance
Built on the highest industry standards
Your money always stays with regulated payment entities. Every payment travels from your customer's bank to your bank, initiated by an entity authorized by the FCA (UK) and BaFin (Germany) and passported across the EEA. Our partners are certified to the highest market standards.
Your money stays in regulated hands
EU RegulationIn account-to-account payments your money always remains with regulated payment institutions. It travels directly from the payer's bank to your account, with no intermediate balance held by UrbanPay and no counterparty risk. If UrbanPay disappeared tomorrow, your money would be where it always was: in your bank. Payment initiation is provided by an entity authorized by the FCA and BaFin, passported across the EEA, and our infrastructure is ready for the transition to PSD3 when it comes into force.
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.
Our office
Based in the heart of Madrid
C/ Velázquez 31, 6D
28001 Madrid, España
Barrio de Salamanca — Madrid's premier business district
2025
Year founded
19+
European markets
Madrid
Headquarters
6
Verticals served
Want to know more?
We'd love to show you how UrbanPay can transform your payment operations.
Schedule a Demo