Automate me-to-me payments for smarter sweeping experiences

Sweeping VRPs let customers move money automatically between their own accounts from intelligent savings to overdraft protection, improving financial well-being while reducing cost and friction.

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Allica Bank
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Payhawk
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Build better sweeping payment experiences

Seamless customer experience

Offer effortless, one-click sweeping and auto-payments — from card repayments and overdraft protection to savings top-ups, creating smoother customer experiences.

Instant settlement

Enable customers to receive money transferred between their accounts instantly, improving cash flow for more dynamic financial management.

Greater flexibility

Unlike Standing Orders, Sweeping VRP allows payments to be initiated for variable amounts and on different schedules, all under a single user consent.

Enhanced security

Reduce risk with Strong Customer Authentication embedded in every consent authorisation and encrypted APIs, delivering peace of mind for your business and your customers.

HOW IT WORKS

Sweeping VRP in action

  • 1.Set up automatic top-ups

    User sets the parameters of their automatic top-ups in the app, selecting values such as the maximum amount and monthly maximum transfer.

  • 2.Bank selection & login

    User selects the bank account from which the funds should be swept and logs into their business bank account using secure methods such as 2-factor authentication and protected passwords for extra security.

  • 3.Review & approve sweeping parameters

    User logs into their business bank account using secure methods such as 2-factor authentication and protected passwords for extra security.

  • 4.Confirmation

    Sweeping VRP is enabled based on the user's set parameters.

Power sweeping payments with an open banking leader

Unrivalled UK coverage

With over 87% account reach in the UK, you can offer Sweeping VRP to the vast majority of consumers and businesses across personal and business accounts with major banks.

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A powerful, single API

A single API integration provides access to all of our banking partners, powering VRP payment use cases for smarter financial management.

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Start quickly with Yapily Connect

Get started quickly without the hassle of applying for an open banking licence. Use our licence via Yapily Connect to get to market faster.

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