Identity verification
Verify tenants, investors and companies in minutes (KYC/KYB). UBO identification, AML screening and ongoing monitoring built for real estate.
Payments infrastructure for real estate
Getpaidinseconds.Nochargebacks. No manual reconciliation.
The payments infrastructure for European real estate: from monthly rent to investor capital. Account-to-account payments from 0.25%, identity verification and contract signing, all in one flow, with or without code.
Built on PSD2 · eIDAS
19+ European markets
Instant settlement
UrbanPay · Verify
Verify your identity
We need to confirm it's really you before signing the lease.
ID document
Uploaded · DNI 12345678X
Liveness check
Scanning face…
Look straight at the camera
Encrypted · GDPR compliant
9:41
UrbanPay flow
Identity
KYC verified
Contract
E-signed
Payment
Open Banking
Settled
Funds received
Liquidación T+0
The building blocks
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
Legally binding electronic signature (eIDAS), chained to onboarding and the first payment. No more PDF round-trips.
Direct bank payment
Collect straight from the customer’s bank account — direct bank payment (Open Banking · A2A). Instant settlement, no chargebacks, fees from 0.25%.
Segregated account
Coming soonPer-project segregated accounts (escrow) for deposits, fundraising rounds and milestone-based payouts.
Add notifications, waits and rules — and you have a complete workflow.
Transforming financial operations for real estate.
Editable flows and templates,
tailored to your vertical.
Not separate tools: end-to-end flows that run on their own, decide at every step, and handle exceptions too. Pick your vertical and watch it run.
Tenant onboardingEditable template
Trigger · New tenant
New tenant
Identity verification
Credit / default check
Lease signing
Deposit & rent charge
Tenant onboarded
Rejection notice
Application rejected
Successful end Exception / rejection On hold Escrow account (coming soon)
These flows are templates. Tailor them to your operation: add steps, change conditions, or connect your systems.
Two ways to get started
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.
No technical setup required
Start collecting today, without any code
Create your account and start using UrbanPay immediately through our client portal. No IT team needed, no weeks of implementation. Send payment links, verify customers and sign contracts — all from a single platform.
Talk to usCustomizable payment links
Generate personalized payment links and send them via email with your own company templates. Track in real time which payments have been received, which are pending, and which have failed.
KYC verification links
Send verification links to your clients or investors. They complete the process in minutes from their phone, and you see the result instantly — no paperwork.
Electronic document signing
Send contracts from the dashboard using your own templates. Your client signs electronically and everything is recorded in one place.
The cost of collecting by card
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.
Coverage
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
Security & Compliance
Built on the highest industry standards
Nobody holds your money. Every payment goes straight from the payer's bank to your account, initiated by an entity authorized by the FCA (UK) and BaFin (Germany) and passported across the EEA. Our partners are certified to the highest market standards.
Who holds your money? Nobody.
EU RegulationIn account-to-account payments the money never sits on a UrbanPay balance. It travels directly from the payer's bank to your account, with no intermediate balance to hold and no counterparty risk. If UrbanPay disappeared tomorrow, your money would be where it always was: in your bank. Payment initiation is provided by an entity authorized by the FCA and BaFin, passported across the EEA, and our infrastructure is ready for the transition to PSD3 when it comes into force.
SOC 2 Type II
Our partners hold SOC 2 Type II certification, proving continuous compliance with rigorous security, availability, and confidentiality controls.
ISO 20022
Financial Messaging
The global standard for electronic data interchange between financial institutions, enabling richer, structured, and transparent payment messages for cross-border transactions.
ISO 27001
Information Security Management
Essential for payment service providers to demonstrate a commitment to data protection, risk management, and security.
Regulated partners only
End-to-end encryption
Annual audits
Before you ask
Nothing. 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.
Resources
Guides and resources for real estate teams
Collections, verification and compliance, explained for real estate operators, managers and platforms.
PBSA payment technology
How student housing operators collect deposits and rent from international students with no local bank account.
Automate investor distributions
Distribute returns to hundreds of real estate investors in a single batch, reconciled automatically.
Open banking for real estate
The complete guide to account-to-account payments and instant settlement for property.
KYB for real estate
Business verification and beneficial-owner checks for onboarding companies and SPVs.
Stablecoins in real estate
Where stablecoin settlement fits in property payments, and where it stays on the roadmap.
What ECSP means
The European crowdfunding regulation and what it means for real estate investment platforms.
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.
Book 30 min with the teamRequest access
Tell us about your company and our team will reach out shortly.