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: info@apievangelist.com