# UrbanPay > Payments middleware for European real estate: one API for account-to-account > payments, KYC/KYB identity verification, and eIDAS electronic contract signing. > Instant settlement via Open Banking across 19+ European markets. UrbanPay (legal entity UrbanPay X SL) is based in Madrid and serves property managers, developers, real estate crowdfunding platforms, PBSA and flex-living operators, hotels, and the proptech teams that build for them. What makes it different from a generic PSP: payments, identity, and signing are one flow rather than three vendors, and every transfer carries contract, property, and tenant references so reconciliation is automatic. A2A pricing starts at 0.25% per successful payment with no chargebacks and no direct-debit returns; KYC, KYB, e-signature, and mass disbursements are priced per use. ## Products - [A2A payment initiation](https://urbanpayx.com/products/a2a-initiation): Initiate account-to-account payments directly from tenant or investor bank accounts. PSD2 PIS, instant rails, full audit trail. - [Identity verification (KYC & KYB)](https://urbanpayx.com/products/identity-verification): Verify tenants, investors, and corporate entities in minutes. KYC for individuals, KYB for businesses, including UBO identification. - [Electronic contract signing](https://urbanpayx.com/products/contracts): eIDAS electronic signatures integrated with KYC and A2A payments. Sign, verify, and collect in one continuous flow. - [Mass disbursements](https://urbanpayx.com/products/mass-disbursements): Pay out to thousands of investors, contractors, or property owners in one batch. Multi-currency, audit-ready, reconciled. - [Escrow accounts](https://urbanpayx.com/products/escrow-accounts): Hold funds between parties with automated release triggers and a full audit trail. Per-project escrow is in development, not yet generally available. ## Solutions by vertical - [Residential](https://urbanpayx.com/solutions/residential): Rent collection via Open Banking, tenant identity/affordability/delinquency checks, electronic lease signing. - [Commercial](https://urbanpayx.com/solutions/commercial): Deposits via Open Banking, KYC/KYB on individual and corporate buyers, segregated escrow. For office, retail, and industrial. - [Real estate crowdfunding](https://urbanpayx.com/solutions/crowdfunding): Investor KYC/KYB, capital collection, escrow management, and mass disbursements for platforms operating under ECSP. - [ECSP platforms](https://urbanpayx.com/solutions/ecsp): What an ECSP is under Regulation (EU) 2020/1503, and how licensed crowdfunding platforms handle payments, fund segregation, and investor distributions. - [Co-living and flex-living](https://urbanpayx.com/solutions/flexliving): Variable recurring payments and tenant verification for flexible-stay operators. - [PBSA and student housing](https://urbanpayx.com/solutions/pbsa): International students without a local bank account, guarantor structures, academic-year recurring billing. - [Hotel direct bookings](https://urbanpayx.com/solutions/hotel-management): Collect direct bookings on your own site without OTA commission or card networks. A2A from 0.25%, PSD2 SCA compliant. - [Investor distributions](https://urbanpayx.com/solutions/investor-distributions): Distribute returns to 100+ investors in a single batch over SEPA, A2A, and stablecoin rails. ## Guides - [Open Banking for real estate](https://urbanpayx.com/guides/open-banking-real-estate): How open banking cuts payment costs for property managers. PSD2 background, cost comparison vs cards, implementation steps. - [KYB for real estate](https://urbanpayx.com/guides/kyb-real-estate-business-verification): How European real estate companies verify corporate tenants and investors: KYB under AMLR, UBO identification, entity verification. - [Real estate AML obligated entities](https://urbanpayx.com/guides/real-estate-aml-obligated-entities): When a real estate business becomes an AML obligated entity in the EU, and the KYC, UBO, and reporting duties that follow. - [Spain's seasonal rental rules](https://urbanpayx.com/guides/spain-seasonal-rental-rules): What still applies in 2026 after the Supreme Court annulled the NRUA single rental registry. - [SES Hospedajes](https://urbanpayx.com/guides/ses-hospedajes-spain): Spain's guest registration duties in 2026: data fields, 24-hour deadlines, fines, and the pending EU challenge. - [All guides](https://urbanpayx.com/guides) ## Reference and analysis - [Real estate payments glossary](https://urbanpayx.com/glossary): Plain-English definitions of payment, compliance, and funds terms: open banking, SEPA, KYC, escrow, MiCA, ECSP, PSD2/PSD3, and more. - [Blog](https://urbanpayx.com/blog): Analysis of A2A, Open Banking, SEPA, stablecoins, KYC, and EU regulatory change for property finance teams. - [Comparisons](https://urbanpayx.com/compare): UrbanPay vs Stripe, GoCardless, PayProp, and Payload for European real estate and crowdfunding payments. ## Company - [About](https://urbanpayx.com/about): UrbanPay grew out of elsa.care and UrbanPath Group to fix real estate payment problems from the operator's side. Madrid-based, 19+ European markets. - [Pricing](https://urbanpayx.com/pricing): A2A from 0.25%, no chargebacks. Per-use pricing for KYC, KYB, e-signature, and mass disbursements. - [Contact and demos](https://urbanpayx.com/contact) ## Developers - [API documentation](https://docs.urbanpayx.com): REST API reference for payments, KYC/KYB, contracts, and webhooks. - Base URLs: sandbox `https://api-sandbox.urbanpayx.com`, production `https://api.urbanpayx.com`. - Authentication: create an API key and secret in the dashboard, exchange them server-side at `POST /api/v1/auth/api-token` for a short-lived bearer token. Never expose the key, secret, or token to a browser. ## Agent and machine interfaces - [Documentation MCP server](https://docs.urbanpayx.com/mcp): Open, no credentials required. Tools: `list-endpoints`, `get-endpoint`, `search-endpoints`. Use this to look up the exact request and response schema for any UrbanPay endpoint instead of guessing field names. - [API documentation index](https://docs.urbanpayx.com/llms.txt): Full machine-readable documentation index. Individual pages are available as Markdown by appending `.md` to a docs URL. - Product MCP server, `https://mcp.urbanpayx.com/mcp`: beta. Requires an API key and secret and is limited to live UrbanPay customers; it returns 406 to unauthenticated callers and exposes no tool list. Not usable for evaluation or exploration -- use the documentation MCP server above for that. Existing customers generate credentials in the dashboard. Note the `/mcp` path: the bare host returns 404. ## Spanish (es-ES) The site is published in English and Spanish. Spanish equivalents of the pages above live under `/es`. Hub pages: [inicio](https://urbanpayx.com/es), [nosotros](https://urbanpayx.com/es/nosotros), [precios](https://urbanpayx.com/es/precios), [contacto](https://urbanpayx.com/es/contacto), [blog](https://urbanpayx.com/es/blog), [glosario](https://urbanpayx.com/es/glosario), [comparar](https://urbanpayx.com/es/comparar). Spanish product, solution, and guide pages are reachable from those hubs and enumerated with hreflang pairs in [sitemap.xml](https://urbanpayx.com/sitemap.xml).