A2A Payment Initiation
Collect rent and fees straight from your tenants' bank accounts. No card chargebacks, no direct-debit returns — just final money that settles in seconds. From 0.25% per successful payment — you only pay when the money lands.
Live demo
This is how funds land in under 10 seconds
No direct-debit returns, no card chargebacks. Your tenant pays from their bank — the money is yours for good.
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
Direct debit or card?
Many of our clients used to collect by direct debit. With UrbanPay your tenant pays from their bank: no returned receipts, no chargebacks, and funds settle in seconds.
Live demo
This is how funds land in under 10 seconds
No direct-debit returns, no card chargebacks. Your tenant pays from their bank — the money is yours for good.
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
Direct debit or card?
Many of our clients used to collect by direct debit. With UrbanPay your tenant pays from their bank: no returned receipts, no chargebacks, and funds settle in seconds.
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.
Account-to-Account Payments
Capabilities
-
No chargebacks, no returns
Bank-to-bank A2A transfer — the money is final. Unlike card chargebacks or direct-debit returns, what lands stays.
-
From 0.25% per successful payment
Volume-tiered, charged only on success. You only pay when the money hits your account — failed attempts cost nothing.
-
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.
-
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": "tenant@example.com",
"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
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 →