Direct booking payments without the OTA tax
Stop paying 15–25% to OTAs and another 1.5–3% to card networks. Power your own booking engine with A2A via Open Banking — guests pay from their bank in seconds, funds settle instantly at 0.25%.
0.25%
Per transaction
<10s
Settlement
0
Chargebacks
Hotel Marbella · Suite
Jun 12 – 16 · 2 guests
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
Booking received
OTA or direct
Guest pre-check-in
ID + AML on mobile
Card on file
Pre-auth or charge
Checkout settlement
Extras + refunds
End
Flow completed
Why Choose This Solution
-
Reclaim 15–25% from OTAs
Every direct booking is margin you keep. UrbanPay makes the on-site payment frictionless so guests never bounce back to Booking.com.
-
Cut card fees to 0.25%
A €380 reservation costs cents via Open Banking instead of €5–€11 on cards. On €5M of direct bookings, that's six figures back to the P&L.
-
Cash before check-in
SEPA Instant settlement and irrevocable A2A — no holds, no chargebacks, no waiting 2–3 days for funds to land.
Built for real scenarios
OTA dependency erodes margin
Multiple PMS, one ledger needed
Front-desk queues for check-in
See how UrbanPay fits your operation
Talk to an expert and get a tailored walkthrough for your business — no commitment.
Frequently Asked Questions
Card processing costs 1.5–3% per booking, carries chargeback risk, and locks funds for 2–3 days. A2A via Open Banking costs 0.25%, is irrevocable (no chargebacks), and settles in seconds via SEPA Instant. For direct bookings — where you already know the guest and the ticket is high — A2A is strictly better on cost, risk and speed.