Security & Compliance
Built on the highest industry standards
Nobody holds your money. Every payment goes straight from the payer's bank to your account, 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.
Security & Compliance
Built on the highest industry standards
Nobody holds your money. Every payment goes straight from the payer's bank to your account, 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.
Who holds your money? Nobody.
EU RegulationIn account-to-account payments the money never sits on a UrbanPay balance. It travels directly from the payer's bank to your account, with no intermediate balance to hold 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.
Need more details on our compliance?
Our team can provide detailed documentation and answer any questions.
Contact Sales