Yapily

Yapily's payments products cover single Pay by Bank payments, bulk payments, sweeping variable recurring payments that move money between a person's own accounts, and commercial variable recurring payments for one-click and recurring checkout. Data products cover account information and enriched, categorised transaction data used for onboarding, affordability checks, and personalisation. Yapily connects to UK and European banks, and its marketing site cites about 2,000 banks and institutions in about 19 countries. Yapily does not offer card issuing.

Yapily markets its API to developers, with documentation, sandboxes (test environments), and tools meant to get an integration into production faster. It says more than 3,500 customer applications run on its API. In open banking, the share of users who finish a payment depends on uptime, on how bank-connection outages are handled, and on how the API reports failed consent and strong customer authentication (SCA) checks, as much as on the number of endpoints.

Yapily Connect Ltd, a UK subsidiary, is regulated by the Financial Conduct Authority (FCA number 827001), and Yapily Connect UAB is regulated by the Bank of Lithuania (licence LB002045) for EU services. Those licences let customers rely on Yapily as the regulated provider for account data, payments, or both, while users see the customer's own brand. A buyer with its own third-party provider (TPP) licence can still use Yapily's bank connections. Yapily Connect is for teams that do not want to become a regulated TPP before they launch.

Yapily markets itself to payment providers, banks and e-money institutions (EMIs), lenders, and accounting and ERP software companies. Customers listed on its site and in press include Pleo, Crezco, Yonder, and Volume, and Vaccino has cited larger customers such as Revolut, Intuit, Adyen, and Google. Business open-banking products depend on bank coverage across Europe that includes business accounts, which is where Yapily puts its emphasis.

In 2025 Yapily invested in engineering ahead of wider use of commercial variable recurring payments, stricter quality expectations under PSD3 (the EU's next payment services directive), and the EU's Financial Data Access (FiDA) open-finance rules, which Vaccino has flagged for 2027-2028. Payments and data run on one platform. For a buyer, the roadmap depends on how current Yapily's bank coverage is and how ready its variable recurring payments are in each country where the product will launch, and both can differ by country.

Yapily Connect is meant to shorten the time to launch for a customer without its own licence. Yapily's site promises expert support from integration onward, but it does not publish chat hours or a support SLA.

As of 5 October 2026, Yapily's pricing page describes flexible, usage-based terms and says there are no hidden fees, but it lists no per-call or per-payment prices for production use. Prices come from the sales team, typically as a monthly platform fee plus usage charges, with volume discounts.

Yapily does not publish contract length, minimums, or exit terms. Whether a customer uses its own TPP permissions or Yapily Connect changes who carries the regulatory responsibility, so the order form has to say which applies. A fair comparison of contract terms with TrueLayer or Token.io needs each vendor's clauses on data retention, liability for bank outages, and help at termination.