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Documentation Index

Fetch the complete documentation index at: https://docs.yapily.com/llms.txt

Use this file to discover all available pages before exploring further.

Authorise once and collect payments over time.
Commercial VRP (cVRP) is available as a Private Beta version. Please contact your Customer Success Manager if you would like to access it.

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Introduction

Yapily Variable Recurring Payments (VRP) enable you to carry-out any number of payments over time, subject to the limits agreed by the payee at authorisation. The limits agreed at authorisation include:
  • time period during which the payments can be carried out
  • maximum amount per payment
  • maximum amount over a time period (such as week or year)

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VRP Mandate

The VRP Mandate is the core agreement that the user approves during the authorisation. It is tied to the Consent generated after authorisation, detailing the limits that will govern all VRP payments that are made with said Consent. See details about the VRP Mandate.

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VRP Types

There are two types of Variable Recurring Payments available through Yapily: Sweeping VRP, mandated by the CMA Order, allows transferring money between two accounts belonging to the same person or business. Yapily supports Sweeping VRP for both consumer and business accounts. Commercial VRP (cVRP) enables the payer to set up recurring payments from their bank account to a business, for example, for energy bills, mobile phone contracts, rail season tickets, mortgage repayments, or payments into savings and investment accounts — without re-authorising each payment. Yapily offers cVRP through its participation in the UK Payments Initiative (UKPI) scheme. cVRP scheme currently supports consumer accounts only. See additional information on the current scope of VRP.

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Use-Cases

The utility of VRP payments lies in their flexibility. Many recurring payments aren’t for a fixed amount, and requiring fresh authorization for every small variation creates unnecessary friction. The VRP flow solves this by letting a user authorise a payment instruction just once with built-in protections via the limits described above.
  • Automatically move money to a savings account whenever another account’s balance is high
  • Automatically clearing a credit card balance
  • Topping up an account based on some rules

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Wave 1 Scope

Utilities & telecoms
  • Paying electricity, gas, or water bills that vary each month
  • Paying broadband, fixed phone line, or mobile phone service contracts
Transport
  • Purchasing rail tickets or season passes from National Rail train operators
Regulated financial services
  • Making mortgage repayments to an FCA-regulated provider
  • Contributing to a pension scheme authorised by The Pensions Regulator
  • Paying into savings, ISAs, or investment accounts protected by the FSCS
E-money accounts
  • Topping up an FCA-authorised e-money account, such as a digital wallet or prepaid card
Charities
  • Making donations to registered charities via charity platform providers

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Wave 2 and beyond

The cVRP scheme is expected to expand significantly, with e-commerce, variable subscription services, and further use case categories planned for future waves.
Don’t see your use case? Let us know how you would like to use Yapily VRP.

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Advantages

There are a few benefits of using VRP payments over direct debit, standing orders, or card continuous payment authority (CPA):
  • VRPs are direct account-to-account payments, so they avoid payment fees associated with payment processing.
  • VRPs use Faster Payment Service, so the payment arrives instantly.
  • VRPs provide transparency and flexibility to the user. They only need to authorise once, and then they can change or revoke the VRP mandate terms at any time.
  • VRP mandates are created and authorised using Strong Customer Authentication (SCA).
  • Commercial VRP includes built-in payer protections under the UKPI scheme, including a formal dispute process

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End User Journey

The sweeping payments experience can be embedded into any application. You build and self-host the user-facing screens, giving you full ownership and control over the experience in your application, with the Yapily VRP Payments API powering the payments behind the scenes.Note: We recommend you follow our PIS UX guidelines for examples of best practices when building the user-facing screens.Note: Banks use different methods to authenticate and collect consent from users. Yapily supports all user authorisation flows and you may need to implement multiple user authorisation flows depending on which banks you want to integrate with.
For Commercial Variable Recurring Payments, Yapily provides hosted consent and mandate setup pages for cVRP. This ensures all regulatory disclosure and requirements under the UKPI scheme are met out of the box.

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Get Started

Next, see the Get Started page to get familiarised with the details of our Sweeping and Commercial VRP flows.

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Product Resources

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Implementation Resources

For error handling, retry strategies, webhooks, testing, and support, see our Developer Resources guide.