Mass Payment Solution for Real Estate

Trigger the distribution from your backend the moment you approve a split, or upload a CSV from the dashboard with no code. Pay returns to many investors, contractors, or property owners in a single audit-ready batch, multi-currency and reconciled at the line-item level.

Live demo

Pay 248 investors in one click

Upload a CSV (or fire it from your API), validate every IBAN, approve once, and settle the entire batch on SEPA Instant.

9:41●●●

Mass payouts

Q2 distribution to investors

distribuciones-q2.csv

248 rows · 18 KB

IBAN validation

Sanctions screening

Multi-currency (EUR, GBP, USD)

Review batch

• 1Upload payout batch
• 2Review payees
• 3Approve & send
• 4247 payouts settled

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Delivery channels

Delivery channels

Reach your users wherever they already are.

curl -X POST https://api.urbanpayx.com/v1/disbursements \
  -H "Authorization: Bearer $URBANPAY_API_KEY" \
  -d '{ "currency": "EUR", "items": [
    { "iban": "ES00...", "amount": 250, "reference": "Q1-DIV-001" },
    { "iban": "ES00...", "amount": 412, "reference": "Q1-DIV-002" }
  ]}'

The Problem Mass Disbursements Solve

When a crowdfunding platform closes a quarterly distribution to 1,800 investors, or a property manager pays 240 landlords their net rent for the month, the default workflow is brutal: paste IBANs one by one into a bank portal, reconcile amounts, handle errors, and finally try to match the whole thing back against the ledger.

Mass disbursements invert that flow. You upload a CSV (or call the API) with all 1,800 lines. An authorized operator reviews and approves. UrbanPay runs the batch against the right rails and returns a per-line status report.

Anatomy of a Batch

Each line in the CSV carries, at minimum: recipient identifier, IBAN, amount, currency, and your internal reference. You can add tax metadata, project code, or any field you need for downstream reconciliation.

Before execution, UrbanPay validates the structure of every IBAN, checks for duplicates, confirms your balance covers the total, and returns a pre-flight report. Only after your final approval does the batch start — individual payouts run in parallel and are treated as independent transactions (a failure on line 423 doesn't stop line 424).

Multi-Currency Without the Headaches

A pan-European real-estate crowdfunding fund has investors paid in EUR, GBP, CHF, SEK, and NOK. The traditional approach means opening accounts in every currency or eating the hidden FX spread from the issuing bank.

UrbanPay converts each line at the FX rate agreed in your contract, records the rate applied, and deposits in the recipient's local currency. Your operating account stays in a single currency; investors receive in theirs.

Audit Trail and Compliance

For regulated platforms like ECSP (European Crowdfunding Service Provider) or operators running escrow accounts, traceability of investor payouts isn't optional. Every batch is recorded immutably with: who created it, who approved it, what was sent, when each line executed, and what confirmation the bank returned.

The tax export includes the fields needed for 1099 filings (US), Modelo 347 (Spain), and equivalent declarations in other markets — work that typically takes days at year-end becomes a query and a download.

When You Need Mass Disbursements

• •Crowdfunding distributions: income or capital repayment to hundreds or thousands of investors after an exit event. This is the engine behind how platforms automate investor distributions end to end.
• •Net rent to landlords: at managers running third-party portfolios, where every month the landlord receives their share net of expenses.
• •Vendor and contractor payouts: maintenance, cleaning, refurbishments — month-end with dozens or hundreds of invoices.
• •Bulk deposit refunds: at the end of a development cycle when dozens of tenant deposits need to be returned after account verification.

From CSV to Sent in One Session

A typical operator workflow: export the CSV from your system (ERP, property-management tool, spreadsheet), upload it into the UrbanPay dashboard, review the pre-flight report, approve, and come back hours later for the execution report. For larger volumes most teams automate the whole loop via API and receive per-line status webhooks, dropping the results straight into their accounting system.