A2A Payment Initiation
Account-to-account payment initiation for low-friction transactions straight from your tenants' bank accounts.
Live demo
This is how funds land in under 10 seconds
Watch the full payer journey — from inbox to settled funds. No cards, no long forms.
Rent payment — June 2026
UrbanPay
to me · 1 min ago
Hi Marta,
Your monthly payment is ready. Tap the button and authorise it from your banking app in seconds.
Amount
€1,200.00
Live demo
This is how funds land in under 10 seconds
Watch the full payer journey — from inbox to settled funds. No cards, no long forms.
Rent payment — June 2026
UrbanPay
to me · 1 min ago
Hi Marta,
Your monthly payment is ready. Tap the button and authorise it from your banking app in seconds.
Amount
€1,200.00
Delivery channels
Delivery channels
Reach your users wherever they already are.
Email payment link
Triggered manually or by a recurring schedule, with your brand.
Your dashboard
Tenants log into your portal and pay in two taps — no redirect to a stranger.
Embedded SDK
Drop our drop-in component into your React, mobile or web flow.
QR / SMS
For in-person check-in or low-data scenarios. Same engine underneath.
Capabilities
-
SEPA Instant settlement
Funds arrive in seconds when the payer's bank supports it — virtually all of the eurozone.
-
Recurring standing orders
Authorized once by the tenant, executed monthly by their bank. Zero ongoing admin.
-
Real-time webhooks
Every status change (created → authorized → settled → failed) hits your endpoint.
-
Built-in reconciliation
Every payment carries the contract, property and tenant references end to end.
-
Below 0.25% fee
Flat, transparent. No card-network percentages, no chargeback risk.
-
19+ European markets
One integration, one reconciliation, one consolidated report.
Integrate in minutes
curl -X POST https://api.urbanpayx.com/v1/checkout/paylink \
-H "Authorization: Bearer $URBANPAY_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 1200,
"currency": "EUR",
"reference": "RENT-2026-04-APT-302",
"payer_email": "[email protected]",
"delivery": ["email"]
}'Frequently Asked Questions
Account-to-Account (A2A) payment initiation enables direct bank transfers initiated by the payer through their banking app, without intermediary card networks. It's the core payment rail behind Open Banking, offering instant settlement and near-zero fraud risk.
Other features
Open Banking
Regulated PSD2 access to bank accounts across 19+ markets.
See feature →Identity Verification
KYC for individuals and KYB for companies in minutes.
See feature →Contract Signing
eIDAS-grade signing chained to onboarding and the first payment.
See feature →Escrow Accounts
Per-project segregated accounts with conditional release.
See feature →Mass Disbursements
Pay hundreds of beneficiaries in a single reconciled batch.
See feature →Unified Card Processing
Cards as a fallback rail, reconciled alongside A2A.
See feature →