Identity verification
- •ID and biometric verification
- •Proof of income and affordability
- •UBO and corporate registry checks
- •AML screening and monitoring
Automate onboarding and collection from yourinvestors
UrbanPay handles onboarding, payments throughout the stay and investor capital, so you can spend your time on what actually grows your business.
Built on PSD2 · eIDAS
19+ European markets
Instant settlement
UrbanPay · Sign
Lease agreement
Urban Rent Ltd. · 12 months
Residential Lease
7 pagesMonthly rent
1,500 €
Deposit
3,000 €
Your signature
Álvaro Martínez · 24 Sept 2025, 09:41
eIDAS qualified · UrbanSign
9:41
UrbanPay flow
Identity
KYC verified
Contract
E-signed
Payment
Open Banking
Settled
Funds received
Cobros inmediatos
UrbanPay is the preferred solution for real estate companies.
Residential
Automate the full tenant cycle with A2A payments via Open Banking, integrated KYC to verify creditworthiness before signing, and electronic contract signing - all from a single platform.
Learn more
Commercial
In office and retail portfolios, per-asset traceability is critical and manual reconciliation unviable at scale. Integrated with your CRM or PMS, UrbanPay automatically reconciles every charge by asset in real time.
Learn more
Crowdfunding
Regulatory KYC for investor onboarding, segregated escrow accounts per project, and automatic bulk payments to distribute returns to all investors simultaneously.
Learn more
Co-living / Flex Living
High turnover, variable stays and dynamic pricing make manual reconciliation unviable. Integrated with your PMS, UrbanPay automatically schedules charges for each stay. A2A payments eliminate SEPA chargebacks.
Learn more
Student Housing
Fast mobile KYC for identity verification in minutes, deposit collection via A2A to avoid card limits, and automated recurring payments throughout the academic year.
Learn more
Hotels
Hotels collecting direct bookings on their own website pay two tolls: OTA commissions and card processing fees. UrbanPay replaces that flow with A2A via Open Banking - the guest pays from their bank in seconds, you receive funds instantly at 0.25%.
Learn more
Drag to explore
Integrations
Connect it to the tools you already use without changing your operations
We connect to your CRM and PMS so collections, verifications and signatures reconcile themselves, without changing how you work.
CRM
and more via API
PMS & operations
and more via API
All in one
Today you pay for several separate tools. UrbanPay brings them together
Payments, identity verification and contract signing in a single platform: better service, one support team and up to 8x cheaper than stitching separate tools together.
Up to 84% cheaper, use our comparator →
checkin.com
Four pieces. Infinite workflows.
Every real-estate operation is built by combining the same blocks. UrbanPay orchestrates them for you.
Add notifications, waits and rules - and you have a complete workflow.
Contract signing
- •eIDAS-compliant electronic signatures
- •Multi-party signing workflows
- •Signature unlocks payment automatically
- •Full audit trail and timestamps
Direct bank payment
- •One-off A2A payment links
- •Recurring rent and fee collection
- •Instant settlement, no chargebacks
- •Open Banking across 19+ markets
Segregated account
Coming soon- •Segregated accounts per project or asset
- •Deposits, guarantees and milestone funds
- •Automated payouts to investors or owners
- •Regulatory-grade fund traceability
Add notifications, waits and rules - and you have a complete workflow.
These are just some of the flows
you can automate with UrbanPay
and stop losing time on the operational work that costs you so much. We connect your 4 blocks into one flow per vertical, so everything runs on its own.
Composed with your 4 building blocks
KYCContractsA2A PaymentsEscrow
Tenant onboarding
Awaiting signature…
New tenant
Identity verification
Credit / default check
Lease signing
Deposit & rent charge
Tenant onboarded
Rejection notice
Application rejected
You can also create your own template tailored to your operation.
Collecting €1,000 of rent by card costs €14 or more. With UrbanPay, €2.50.
Up to 8 times cheaper than a card gateway, with no chargeback risk. And because every payment arrives reconciled against its contract and its property, teams that used to close the month by hand get back 40+ hours a month.
8x
Cheaper than collecting by card
40+
Hours a month recovered from manual reconciliation
A €1,000 card payment runs about €14.25 with a gateway like Stripe (1.4% + €0.25). With UrbanPay account-to-account at 0.25%, it is €2.50.
See the full comparison with Stripe →We operate with all our capabilities in 19 countries
Full A2A, cards and KYC coverage across these markets
Full coverage
Other countries
Instant Payments (A2A)
KYC & Compliance
Contract Signing
Markets with full coverage
19 countriesSpainPortugalFranceItalyGermanyUnited KingdomIrelandBelgiumNetherlandsLuxembourgAustriaDenmarkSwedenEstoniaLatviaLithuaniaPolandHungaryRomania
Choose how you want to use UrbanPay
Whether you want to start collecting today without writing a single line of code, or integrate our services deeply into your systems - we've got you covered.
Start collecting today, without any code
- Create payment links
- Create and send ID and proof of income verification links
- Send contracts, all from the dashboard
Overview
Last 30 days · UrbanFlip S.L.
Live
Cobrado
€482k
+12.4%
KYCs OK
1.284
+8.1%
Firmas
342
+4.6%
Volume
+18%
Cobros / día
Últimos cobros
M. García€1.250OK
J. López€890OK
A. Pérez€2.400Pend.
S. Ruiz€675OK
Integrate in days
We've prepared everything so Claude, ChatGPT, Cursor or any coding agent can integrate UrbanPay for you. An afternoon of work, not a sprint.
Copy the prompt, paste it into your AI
A prompt with full context on our API: endpoints, authentication, webhooks and examples. Paste it into any LLM and get a guided, step-by-step integration.
--- BEGIN URBANPAYX INTEGRATION PROMPT --- You are integrating **UrbanPayX** into my application end to end. UrbanPayX is a payments middleware for real estate: one API for Open Banking payments, card processing, escrow accounts, KYC/KYB verification, and contract e-signing across European markets. **My application** - Framework / language: - Frontend / backend surface:
Works with Claude, ChatGPT, Gemini, Cursor and Copilot
Connect the UrbanPay MCP server
Our MCP (Model Context Protocol) server gives your AI agent direct access to the UrbanPay API: it can explore endpoints, test calls and write the integration with real context.
{
"mcpServers": {
"urbanpay": {
"url": "https://docs.urbanpayx.com/mcp"
}
}
}
Before you ask
It is impossible for it to disappear. Your money never touches our balance sheet: it goes straight from the payer's bank to your account, initiated by an entity supervised by the FCA and BaFin. And your data (payments, contracts, verifications) is exportable at any time. No lock-in.
Your next operation, frictionless.
Tell us the workflow you want to automate. In 30 minutes we’ll show you how it runs on UrbanPay - with your data.
Let's talk about your flowsRequest access
Tell us about your company and our team will reach out shortly.