Payment Glossary
Key payment and compliance terms explained for real estate.
A2A Payments for Real Estate
Payments that transfer money directly between two bank accounts without going through a card network — faster and cheaper than card payments for real estate.
AML for Real Estate
The set of laws, regulations, and procedures designed to prevent criminals from disguising illegally obtained money as legitimate income — real estate is a high-risk sector.
ECSP (European Crowdfunding Service Provider)
The EU regulatory framework for crowdfunding platforms — requiring investor protection, escrow of funds, and standardised disclosures for property investment platforms.
Escrow for Real Estate
A financial arrangement where a trusted third party holds funds on behalf of two parties until agreed conditions are met — commonly used for security deposits and property transactions.
Instant Payments for Real Estate
Bank transfers that settle in under 10 seconds, available 24/7/365 — mandatory for all eurozone banks since October 2025.
KYC for Real Estate Companies
The regulatory requirement to verify a customer's identity and assess their risk profile before establishing a business relationship — mandatory in real estate.
Mass Disbursements for Real Estate
Automated batch processing of multiple outbound payments — enabling property funds to distribute to hundreds of investors in a single operation.
MiCA for Real Estate
The EU regulation that creates a comprehensive legal framework for crypto-assets, including stablecoins — determining which tokens can be legally used in European business transactions.
Multi-Rail Payments for Real Estate
A payment strategy that routes transactions across multiple networks — open banking, cards, SEPA, SWIFT, and stablecoins — choosing the optimal path for each payment.
Open Banking for Real Estate
A regulatory framework that requires banks to share account data and initiate payments through secure APIs, giving businesses and consumers more choice in how they move money.
Payment Initiation for Real Estate
The process of triggering a payment from a customer's bank account through a third-party service — faster and cheaper than cards, enabled by open banking APIs.
PSD2 for Real Estate
The EU directive that created open banking by requiring banks to grant authorised third parties access to payment accounts through secure APIs.
PSD3 for Real Estate
The upcoming EU directive that strengthens open banking with mandatory Verification of Payee, better API performance standards, and stronger fraud protections.
SEPA for Real Estate Companies
The EU-wide system that standardises euro payments, making cross-border transfers within Europe as simple and cheap as domestic ones.
Stablecoins for Real Estate
A cryptocurrency designed to maintain a stable value by pegging to a traditional currency like the US dollar — enabling blockchain-speed payments without price volatility.