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: 2026-05-25T00:00:00.000Z
modified: 2026-05-25T00:00:00.000Z
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
    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: 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
    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: 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: 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
    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
    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
    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
    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: info@apievangelist.com