Pay by Bank
Add Pay by Bank to your payment stack to boost conversions, reduce chargebacks, and cut fraud.
Programmable payments and financial insights built on open banking
Build agent-ready financial products that run on pre-defined rules and real-time insights from consented data.
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The building blocks for smarter financial products
Built for developers and agents
Explore Yapily Docs, designed so AI coding agents can connect directly and look up endpoints, request parameters, and integration guidance on demand.
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The Yapily Platform
Payments and data in one integration
Build with an industry leader with deep expertise across both open banking data and payments.
Leading in business account coverage
Serve business use cases most providers can't, with broad corporate and SME account connectivity alongside consumer account coverage.
Agentic-ready
Develop agentic products faster with APIs and documentation that agents can read and build with.
Trusted by enterprise
Operate on a secure, scalable platform designed for resilience and high availability.
Payments and signals every industry can act on
Coverage
Belgium
Denmark
Estonia
Finland
United Kingdom
France
Portugal
Spain
Iceland
Ireland
Italy
Latvia
Lithuania
Netherlands
Norway
Sweden
Germany
2,000
Banks and institutions seamlessly integrate with our platform
19
Countries and counting, with the majority of banks covered in the UK and Germany
3,500+
Applications created by customers, powered by Yapily's API
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73%
drop in time to first fund
72%
of overdraft applications now use open banking
<1 min
to fund account
What mattered to us was business bank coverage depth and an API we could build a regulated banking journey on. We needed strong capability across payments and data, and Yapily met the bar on both. Running them through one provider was a real advantage for our engineering and product teams.
80%
Customers return to use open banking as a payment option
€7.3m
Paid into Pleo accounts across UK, the Netherlands and France using open banking
3,500+
Applications created by customers, powered by Yapily's API
Partnership with Yapily is all about maximising the benefits of open banking technology to enable frictionless user journeys. We want to enable our users to focus on what really matters: growing their business and empowering their people.
ÂŁ1,000
On fees saved on average for every 25 invoices
71%
Increase in account-to-account payments
27%
Reduction in debtor days for accountants and accounts teams
Yapily provides us with wide and robust connectivity to banks across the UK and EU, and Yapily Payments helps Crezco provide a cost-efficient and instant account-to-account payment solution to SMEs.
1,500%
Uptake of open banking payments since April 2022
23%
Of customers accessing credit for the first time
132%
Increase in payment volumes month-on-month
Unfair credit scoring methods, legacy app experiences, and vague pricing techniques are a thing of the past. With open banking, we’re bringing back fairness and equality to the credit industry. Yapily’s technology and open banking expertise are helping to make that vision a reality.
2.5
Second average payment settlement time
250%
Increase in checkout conversion rate
Eliminating card fees together with Yapily is just the start. Open banking offers plenty more opportunities to offer secure and simple payment experiences for consumers and merchants alike, and we look forward to bringing our zero-fee principles to subscription models and direct debits through solutions such as variable recurring payments.
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