Payment infrastructure for ECSP platforms
If you operate under the European crowdfunding licence, the regulator does not only audit your platform: it audits how your investors' money moves. UrbanPay solves the payments layer without you needing your own payment institution licence.
For European crowdfunding platforms
Payment infrastructure for ECSP platforms
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Investor KYC from €2.50 per verification
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SPV and developer KYB from €9.99 per company
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Investor contributions via A2A from 0.25%, irrevocable
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Investment contract signing (eIDAS) from €1
How it works
Editable templateEach vertical ships with preconfigured flows. Tailor them to your operations: add steps, change conditions, or connect your systems.
Trigger
Flow start
Investor KYC & AML
ECSP onboarding
Funds in segregated account
Per campaign
Issuer drawdown
Conditional release
Investor communications
Statements & tax
End
Flow completed
Why Choose This Solution
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Your platform needs no payments licence
Payment initiation is provided by an entity authorized by the FCA (UK) and BaFin (Germany), passported across the EEA. You do not need your own payments authorization.
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Capital never passes through UrbanPay
It goes straight from the investor's bank to the project's destination account, reconciled per investor and per project.
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Your compliance stays scoped to your part
Investor communication, suitability, and reporting to the supervisor. Payment authorization and settlement stay with the regulated entity.
Built for real scenarios
Regulatory bar is high and rising
Mixing investor and platform funds
Manual exports break at scale
See how UrbanPay fits your operation
Talk to an expert and get a tailored walkthrough for your business — no commitment.
Related Reading
Build with our API
Integrate directly using our RESTful API. Full documentation with code examples in 7 languages.
See the projects and payments API →Frequently Asked Questions
No. Payment initiation is provided by an entity authorized by the FCA (UK) and BaFin (Germany), passported across the EEA. Your platform runs its ECSP licence; the payments layer is covered by the regulated entity.