UrbanPay vs Unnax

Feature	Unnax	UrbanPay
Target market	Europe — fintechs, banks, general enterprises	Europe — real estate & proptech
Vertical focus	Horizontal — no sector specialization	Vertical — crowdfunding, residential, commercial, flex living, PBSA, hotels
Open Banking	Core product — aggregation, payment initiation (PIS), account verification	Core product — A2A via Token.io, from 0.4% per transaction
Account information services (AIS)	Advanced aggregation, balance verification, transaction categorization	Not available — PIS only (payment initiation)
Open Banking track record	Operational since 2017, consolidated Open Banking track record	2025 — new platform with RE specialization
Card processing	Not available	In development (2026) — Visa, Mastercard, Amex, Apple Pay
Escrow accounts	Not offered	In development (2026) — regulated escrow with automated releases
Mass disbursements	Not offered as a product	In development (2026) — investor distribution, landlord payouts, vendor payments
KYC / identity verification	Bank account verification — not full KYC	Integrated KYC via Sumsub — tailored to RE workflows
Integrated digital signing	Not available	UrbanPaySign — signing, KYC, and collection integrated
RE workflow logic	Not available — generic banking data API	Native models: contracts, properties, landlords, investors, tenants
Self-service dashboard	Banking data access via API	Operational dashboard: contract management, collections, KYC and signing from one panel
Multi-entity	Multi-company support under contract	Native multi-entity — manage multiple companies from one account
API-first	Yes — REST APIs for Open Banking	Yes — REST APIs + webhooks for the full collection cycle
Stablecoin rails	Not available	In development (2026) — USDC/EURC (MiCA compliant)
Compliance	Regulated as AISP/PISP under PSD2	PSD3 compliant, partners SOC 2 Type II, ISO 20022/8583/27001, ECSP
Coverage	Spain, Portugal, UK and other European markets	19+ European markets, cross-border by design

Unnax is the right choice if your priority is the banking data layer and you don't need real estate-specific logic. These are the situations where Unnax fits better than UrbanPay:

• You need bank account aggregation (AIS) to verify balances, categorize transactions, or build credit scoring products. UrbanPay does not offer AIS.
• Your company is a fintech, a bank, or a general enterprise that needs a horizontal Open Banking provider without sector dependency.
• You value a consolidated Open Banking track record. Unnax has been operating since 2017 with proven integrations with hundreds of European banks.
• Your primary use case is bank identity verification or payment initiation without needing document-based KYC, digital signing, or contract management.
• You only need Open Banking as a payment rail and don't anticipate adding cards, escrow, or mass disbursements in the medium term.

In summary, if your business has no real estate-specific requirements and your priority is bank aggregation and payment initiation, Unnax offers a mature and proven product in that segment.

UrbanPay is the right choice if you operate in European real estate and need a payment middleware with sector-specific logic. These are the situations where UrbanPay fits best:

• You manage residential, commercial, flex living, or PBSA rentals and need to automate recurring collections with Open Banking A2A from 0.4% per transaction.
• You need an integrated contract signing + KYC + first payment flow in a single onboarding session (UrbanPaySign and Sumsub).
• Your operations team needs a self-service dashboard to manage contracts, properties, collections, and verifications without relying on the tech team.
• You operate across multiple European countries and need coverage in 19+ markets with a single REST API + webhooks integration.
• You manage multiple companies or real estate funds and need native multi-entity to separate operations by company.
• Your roadmap includes cards, escrow, mass disbursements, or stablecoins in the medium term and you prefer a provider that consolidates all rails.

In summary, if your business needs more than Open Banking to operate in European real estate, UrbanPay offers the combination of A2A payments, KYC, digital signing, and workflow logic that Unnax does not cover. For further reading, see our real estate collections guide.