This is an overview of Yapily's products and services.
The Yapily API enables you to adopt open banking solutions into your applications. It is based on REST principles and uses standard HTTP response codes and verbs with HTTP Basic Authentication.
Yapily's open banking API infrastructure provides access to enriched financial data and a range of payment services, and is integrated in over 1900 institutions participating in the open banking ecosystem.
|Payments||Offer and accept secure, direct account-to-account payments.
Yapily Payments enables you to access Payment Initiation Services (PIS) across the UK and Europe through a single API integration. You can initiate single, scheduled and periodic direct account-to-account payments.
|Data||Easy, instant access to financial data.
Yapily Data enables you to access Account Initiation Services (AIS) for banks across the UK and Europe through a single API integration. You can retrieve live and historical account and transaction data for consumer, business and corporate accounts.
|Bulk Payments (Beta)||Instruct multiple payments in a single transaction.
Yapily Bulk Payments enables you to initiate a group of direct account-to-account payments from a single account to multiple recipients in a single transaction.
|Virtual Accounts (Beta)||Enhance your payment processing from initiation to settlement.
Yapily Virtual Accounts enables you to instantly collect funds and issue payouts across multi-currency accounts. You can gain insight into the settlement status, allow end users to withdraw their funds and issue refunds to enhance your payment processing.
|Variable Recurring Payments (Beta)||Collect regular payments on an ongoing basis.
Yapily Variable Recurring Payments enables you to collect multiple, variable payments on an ongoing basis without the user needing to re-authorise each payment.
|Validate (Beta)||Confirm your customer's identity by verifying financial account ownership.
Yapily Validate enables you to instantly confirm customer details and account ownership across the UK and Europe through a single API integration. You can retrieve basic account information for the purpose of identity confirmation.
The Yapily Console is an interface for creating, configuring and managing your Yapily Applications.
The Console includes functionality to connect your application to sandbox and live institutions, retrieve your API credentials and upload your Open Banking certificates. You can also view a full list of the available institutions.
Yapily Connect is Yapily's Financial Conduct Authority (FCA) registered entity. Yapily Connect grants you simple, easy and quick access to open banking data and payments without the need to obtain a Third-Party Provider (TPP) license.
As a TPP, Yapily Connect can provide Account Information Service Provider (AISP) and Payment Initiation Service Provider (PISP) licenses on your behalf to access the Open Banking network.
This removes the complexity and cost of acquiring the necessary license to access the open banking network if you are not currently registered.
The Yapily demo app allows you to test Yapily Data and Yapily Payments flows with your real banking credentials. The demo includes example end user screens and the associated API request and response bodies for each step.
Yapily Hosted Pages is a fully out-of-the-box, hosted solution that provides a pre-built user interface (UI) on top of our existing single payments API.
It enables you to quickly and easily utilise Yapily’s API to accept open banking payments from users as well as test and experience Yapily’s open banking services.
Hosted Pages guides your users through the payment authorisation process, collects the necessary information to make a payment and executes the payment once consent is granted by the user.
The UI is available on web and mobile browsers, optimised for a seamless user experience and compatible with all supported institutions. It is fully hosted and maintained by Yapily.
Yapily Pay By Link enables you to generate a ‘request to pay’ link that you can send to a customer to initiate payment collection. When the user clicks the link, Yapily Hosted Pages facilitates the payment capture, authorisation and initiation process for a PIS payment.
It provides a convenient and secure way to send a ‘request to pay’ link for a fixed amount to your end users.
You can send the link you generate to your end user via any method, such as email or SMS.
The link acts as a long lived payment request, allowing your users to click the link in their own time to start the payment journey.
Get started testing Yapily in a sandbox environment against Mock Bank data.