# Yapily

**Canonical:** https://apis.io/providers/yapily/  
**Website:** https://www.yapily.com/  
**APIs profiled:** 16

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.

## Kin Score — 53.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 53.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 74.3 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 52.4 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 26.6 (matched via tags).

## Agent readiness — 49.6 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (16)

- **Yapily Institutions API** — Discover and inspect the 2,000+ supported UK and European banks (ASPSPs), including supported features, payment methods, countries, BIC/BBAN identifiers, media assets, and authe...
- **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 ...
- **Yapily Payments API (PIS)** — Payment Initiation Service Provider (PISP) endpoints for initiating single, scheduled, periodic, bulk, and international payments directly from a customer's bank account. Single...
- **Yapily Data Plus API** — Transaction enrichment endpoints providing merchant detection, MCC categorisation, and spending insights across consumer and business accounts.
- **Yapily Application Beneficiaries API** — Application Beneficiaries Endpoints
- **Yapily Application Management API** — Application Management endpoints help with creating and managing client sub-applications.
- **Yapily Authorisations API** — Before calling [Financial Data](#yapily-api-financial-data) or [Payments](#yapily-api-payments) endpoints, a consent from an end-user must be obtained. Consents are valid for up...
- **Yapily Constraints API** — The constraints endpoints can be used to retrieve institution specific data requirements and rules that will apply when performing other operations.
- **Yapily Financial Data API** — In order to access a user's Financial Data, you are required to request an [Authorisation](#tag/Authorisations) from the user to share the account information the bank has. Once...
- **Yapily Hosted Consent Pages API** — Hosted Consent Pages endpoints for data products
- **Yapily Hosted Payment Pages API** — Hosted Payment Pages endpoints for payments products
- **Yapily Notifications API** — The Notifications endpoints provide an interactive way for user to receive notifications according to different event-types. This feature is currently in private beta. Please re...
- **Yapily User Beneficiaries API** — User Beneficiaries Endpoints
- **Yapily Users API** — The Users endpoints are used to manage each user (otherwise known as the PSU) in Yapily. Each user belongs to an Application and as a consequence, so do each `Consent` created f...
- **Yapily Variable Recurring Payments API** — Variable Recurring Payments enables transfer of money between accounts held by the same person or transfer of money for business payments. In order to make Sweeping Variable Rec...
- **Yapily Webhooks API** — Webhook endpoints

## Agentic access (1)

- **Yapily Agentic Access** — 97 operations · 52 acting · 2 human-in-the-loop

## Security (2)

- **Yapily Authentication** — http · 1 scheme
- **Yapily Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Yapily Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/yapily/). Scores are computed from the provider's own public artifacts under a published rubric.