Yapily

aid: yapily
url: https://raw.githubusercontent.com/api-evangelist/yapily/refs/heads/main/apis.yml
name: Yapily
description: 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, allowing customers to launch without holding their own PSD2 permissions.
image: https://www.yapily.com/favicon.ico
created: 2026-05-25
modified: 2026-05-25
tags:
- Open Banking
- AISP
- PISP
- Payments
- Account Information
- Variable Recurring Payments
- Financial Services
- PSD2
- FCA
- Berlin Group
- UK
- Europe
- FinTech

specificationVersion: "0.16"

apis:
- aid: yapily:yapily-platform-api
  name: Yapily Platform API
  tags:
  - Applications
  - Users
  - Webhooks
  - Notifications
  - Constraints
  - Platform
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-platform-api-openapi.yml
    type: OpenAPI
  - url: capabilities/platform.yaml
    type: NaftikoCapability
  description: Manage Applications, Users, Webhooks, Notifications, and Constraints that govern how downstream
    AIS/PIS interactions operate on the Yapily Open Banking platform.

- aid: yapily:yapily-institutions-api
  name: Yapily Institutions API
  tags:
  - Institutions
  - ASPSP
  - Open Banking
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-institutions-api-openapi.yml
    type: OpenAPI
  - url: json-schema/yapily-institution-schema.json
    type: JSONSchema
  - url: capabilities/institutions.yaml
    type: NaftikoCapability
  - url: examples/yapily-get-institutions-example.json
    type: Example
  description: Discover and inspect the 2,000+ supported UK and European banks (ASPSPs), including supported
    features, payment methods, countries, BIC/BBAN identifiers, media assets, and authentication mechanisms.

- aid: yapily:yapily-consents-api
  name: Yapily Consents and Authorisations API
  tags:
  - Consents
  - Authorisations
  - PSD2
  - Open Banking
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-consents-api-openapi.yml
    type: OpenAPI
  - url: json-schema/yapily-consent-schema.json
    type: JSONSchema
  - url: capabilities/consents.yaml
    type: NaftikoCapability
  description: 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.

- aid: yapily:yapily-data-api
  name: Yapily Data Access API (AIS)
  tags:
  - Account Information
  - AISP
  - Accounts
  - Balances
  - Transactions
  - Identity
  - Open Banking
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-data-api-openapi.yml
    type: OpenAPI
  - url: json-schema/yapily-account-schema.json
    type: JSONSchema
  - url: json-schema/yapily-transaction-schema.json
    type: JSONSchema
  - url: json-schema/yapily-account-balance-schema.json
    type: JSONSchema
  - url: json-structure/yapily-account-structure.json
    type: JSONStructure
  - url: json-ld/yapily-context.jsonld
    type: JSONLD
  - url: capabilities/data-access.yaml
    type: NaftikoCapability
  - url: examples/yapily-get-account-transactions-example.json
    type: Example
  description: Account Information Service Provider (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.

- aid: yapily:yapily-payments-api
  name: Yapily Payments API (PIS)
  tags:
  - Payments
  - PISP
  - Payment Initiation
  - Open Banking
  - PSD2
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-payments-api-openapi.yml
    type: OpenAPI
  - url: json-schema/yapily-payment-response-schema.json
    type: JSONSchema
  - url: json-structure/yapily-payment-structure.json
    type: JSONStructure
  - url: capabilities/payment-initiation.yaml
    type: NaftikoCapability
  - url: examples/yapily-create-payment-example.json
    type: Example
  description: Payment Initiation Service Provider (PISP) endpoints for initiating single, scheduled, periodic,
    bulk, and international payments directly from a customer's bank account. Single-use consent per payment.

- aid: yapily:yapily-vrp-api
  name: Yapily Variable Recurring Payments API
  tags:
  - Variable Recurring Payments
  - VRP
  - Sweeping
  - Open Banking
  - Payments
  humanURL: https://docs.yapily.com/payments/vrps/additional-information
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/payments/vrps/additional-information
    type: Documentation
  - url: openapi/yapily-vrp-api-openapi.yml
    type: OpenAPI
  - url: capabilities/variable-recurring-payments.yaml
    type: NaftikoCapability
  description: Variable Recurring Payments (VRP) endpoints for sweeping and commercial VRP including consent
    creation, funds confirmation, and payment execution under an active VRP consent.

- aid: yapily:yapily-hosted-pages-api
  name: Yapily Hosted Pages API
  tags:
  - Hosted Pages
  - Pay By Link
  - Consent UI
  - Open Banking
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-hosted-pages-api-openapi.yml
    type: OpenAPI
  - url: capabilities/hosted-pages.yaml
    type: NaftikoCapability
  description: Yapily-hosted UI flows for payment initiation and consent capture, including Pay By Link,
    single and bulk payments, VRP consent, and AIS consent capture — so customers don't have to build their
    own consent UI.

- aid: yapily:yapily-data-plus-api
  name: Yapily Data Plus API
  tags:
  - Enrichment
  - Categorisation
  - Merchant Detection
  - Insights
  - Open Banking
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-data-plus-api-openapi.yml
    type: OpenAPI
  - url: capabilities/data-plus.yaml
    type: NaftikoCapability
  description: Transaction enrichment endpoints providing merchant detection, MCC categorisation, and
    spending insights across consumer and business accounts.

- aid: yapily:yapily-beneficiaries-api
  name: Yapily Beneficiaries API
  tags:
  - Beneficiaries
  - Payments
  - Open Banking
  humanURL: https://docs.yapily.com/api/reference/
  baseURL: https://api.yapily.com
  properties:
  - url: https://docs.yapily.com/
    type: Documentation
  - url: openapi/yapily-beneficiaries-api-openapi.yml
    type: OpenAPI
  - url: capabilities/beneficiaries.yaml
    type: NaftikoCapability
  description: Application-level and user-level beneficiary management endpoints to speed up repeat
    payment flows with reusable counterparties.

common:
- url: https://www.yapily.com/
  type: Website
- url: https://docs.yapily.com/
  type: Documentation
- url: https://docs.yapily.com/getting-started/overview
  type: GettingStarted
- url: https://github.com/yapily
  type: GitHubOrganization
- url: https://github.com/yapily/yapily-openapi
  type: SourceCode
- url: https://github.com/yapily/yapily-sdk-java
  type: SDK
- url: https://github.com/yapily/yapily-sdk-python
  type: SDK
- url: https://github.com/yapily/yapily-sdk-nodejs
  type: SDK
- url: https://github.com/yapily/helm-charts
  type: Tools
- url: https://github.com/yapily/yapily-mulesoft-connector
  type: Tools
- url: https://github.com/yapily/registration-scripts
  type: Tools
- url: https://github.com/yapily/yapily-demo-pisp-flutter
  type: Samples
- url: https://www.yapily.com/pricing
  type: Pricing
- url: plans/yapily-plans-pricing.yml
  type: Plans
- url: rate-limits/yapily-rate-limits.yml
  type: RateLimits
- url: finops/yapily-finops.yml
  type: FinOps
- url: rules/yapily-rules.yml
  type: SpectralRules
- url: vocabulary/yapily-vocabulary.yml
  type: Vocabulary

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

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

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

maintainers:
- FN: Kin Lane
  email: [email protected]