Yapily (yapily)

Yapily is a UK-headquartered Open Banking platform that exposes a single REST API across 2,000+ banks in the UK and 18+ European countries. The platform provides AISP (Account Information) and PISP (Payment Initiation) capabilities, Variable Recurring Payments (VRP), transaction enrichment (Data Plus), Account Validation, and Hosted Payment / Consent Pages. Yapily Connect Ltd is FCA-authorised in the UK and Yapily Connect UAB is authorised by the Bank of Lithuania for EU coverage, so customers can launch without holding their own PSD2 permissions.

URL: Visit APIs.json

Run: Capabilities Using Naftiko

Tags

• Open Banking, AISP, PISP, Payments, Account Information, Variable Recurring Payments, Financial Services, PSD2, FCA, Berlin Group, UK, Europe, FinTech

Timestamps

• Created: 2026-05-25
• Modified: 2026-05-25

Coverage

• 2,000+ banks across the UK and 18+ EU countries
• 3,500+ customer applications including Google, Revolut, Adyen, and Pleo
• Regulated under FCA (Yapily Connect Ltd) and Bank of Lithuania (Yapily Connect UAB)

APIs

Yapily Platform API

Manage Applications, Users, Webhooks, Notifications, and Constraints that govern how downstream AIS/PIS interactions operate on the Yapily Open Banking platform.

• Documentation
• OpenAPI
• Naftiko Capability — Platform

Yapily Institutions API

Discover and inspect the 2,000+ supported UK and European banks (ASPSPs), including features, payment methods, countries, identifiers, and authentication mechanisms.

• Documentation
• OpenAPI
• JSON Schema — Institution
• Naftiko Capability — Institutions
• Example — List Institutions

Yapily Consents and Authorisations API

Create, retrieve, revoke, and re-authorise PSD2 consents for AIS and PIS interactions across UK Open Banking and Berlin Group ASPSPs. Supports redirect, embedded, and decoupled flows.

• Documentation
• OpenAPI
• JSON Schema — Consent
• Naftiko Capability — Consents

Yapily Data Access API (AIS)

AISP endpoints for retrieving accounts, balances, transactions, identity, beneficiaries, scheduled payments, standing orders, direct debits, and statements with active end-user consent. Supports cursor pagination on transactions.

• Documentation
• OpenAPI
• JSON Schema — Account
• JSON Schema — Transaction
• JSON Schema — Balance
• JSON Structure — Account
• JSON-LD Context
• Naftiko Capability — Data Access
• Example — Get Account Transactions

Yapily Payments API (PIS)

PISP endpoints for initiating single, scheduled, periodic, bulk, and international payments directly from a customer's bank account. Single-use consent per payment.

• Documentation
• OpenAPI
• JSON Schema — Payment Response
• JSON Structure — Payment
• Naftiko Capability — Payment Initiation
• Example — Create Payment

Yapily Variable Recurring Payments API

VRP endpoints for sweeping and commercial VRP including consent creation, funds confirmation, and payment execution under an active VRP consent.

• Documentation
• OpenAPI
• Naftiko Capability — Variable Recurring Payments

Yapily Hosted Pages API

Yapily-hosted UI flows for payment initiation and consent capture, including Pay By Link, single and bulk payments, VRP consent, and AIS consent capture.

• Documentation
• OpenAPI
• Naftiko Capability — Hosted Pages

Yapily Data Plus API

Transaction enrichment endpoints providing merchant detection, MCC categorisation, and spending insights across consumer and business accounts.

• Documentation
• OpenAPI
• Naftiko Capability — Data Plus

Yapily Beneficiaries API

Application-level and user-level beneficiary management to speed up repeat payment flows with reusable counterparties.

• Documentation
• OpenAPI
• Naftiko Capability — Beneficiaries

Common Resources

• Website
• Documentation
• Getting Started
• GitHub Organization
• Canonical OpenAPI Spec
• Java SDK
• Python SDK
• Node.js SDK
• MuleSoft Connector
• Helm Charts
• Open Banking Registration Scripts
• Flutter PISP Demo
• Pricing
• Plans (API Commons)
• Rate Limits (API Commons)
• FinOps (FOCUS)
• Spectral Ruleset
• Vocabulary

Solutions

• Account-to-Account Checkout — Replace card rails with PISP-initiated A2A payments at checkout using single payments or Pay By Link.
• Subscription Billing via VRP — Replace card-on-file with Variable Recurring Payments for commercial subscriptions, with consent-bound caps.
• Affordability and Underwriting — Use AIS plus Data Plus enrichment to score affordability for lending, BNPL, and rentals.
• Personal Finance Management — Power PFM apps with consented bank data across 19 European markets through a single API.
• Treasury and Reconciliation — Pull balances and transactions across multiple business accounts for cash management and reconciliation.
• Account Ownership Validation — Verify customer-provided bank details at onboarding using Yapily Validate.

Integrations

• UK Open Banking — UK Open Banking Standard ASPSPs (CMA9 plus long tail) under FCA regulation.
• Berlin Group NextGenPSD2 — EU ASPSPs implementing the Berlin Group NextGenPSD2 spec.
• Yapily Connect (FCA) — Yapily Connect Ltd as regulated AISP/PISP of record in the UK.
• Yapily Connect (Bank of Lithuania) — Yapily Connect UAB as regulated AISP/PISP of record across the EU.
• MuleSoft — Drag-and-drop integration via yapily-mulesoft-connector.
• Java / Python / Node.js SDKs — Official SDKs published from the canonical OpenAPI spec.
• Kubernetes (Helm) — helm-charts repo for deploying Yapily-adjacent workloads.

Use Cases

• Pay-ins for Marketplaces
• Bill Payments and Direct-to-Account Refunds
• Salary Advance and Income Verification
• Wealth and Investment Funding
• Charity Donations
• Bureaux de Change and FX Onboarding
• Bulk Payouts (Payroll, Supplier Payments)
• B2B Sweeping (Cash Concentration)