Today, me-to-me payment flows are often constrained by complex and slow Direct Debit setups, expiring cards, and manual top-ups. These methods create friction for users, impacting their financial well-being by increasing the risk of late payments, unintentionally entering overdrafts, or making input errors.
Sweeping VRP removes this dependency by enabling automated, rule-driven transfers that adapt to real financial behaviour. Our latest upgrades make these journeys even more stable, scalable, and flexible than before, making them ready for real-world use cases.
What is Sweeping VRP?
Sweeping VRP enables businesses to help customers automatically move funds between their own accounts (known as me-to-me payments) using rules such as balance thresholds and payment periods. It’s authenticated using long-lived bank consent and runs on the UK's Faster Payments network, enabling secure, near-instant transfers for top-ups, savings, repayments, and liquidity management.
Our recent updates to our Sweeping VRP product mean it’s now fully stable and scalable, so you can have the confidence that it won’t fail when your customers need it most.
Here is how we are making your payment infrastructure more advanced:
1. More flexible, rule-based money movement
Our enhanced Sweeping Engine moves beyond simple scheduled transfers, enabling you to build the logic within your application for your specific use case. This means you can automate flows using embedded rules that respond to a customer’s real-time financial position.
Example use cases:
For business finance: This means you can automatically top up expense accounts only when balances drop below a chosen level, removing barriers to business operations.
For personal finance: Move "spare money" to savings, prevent overdrafts through auto-top-ups, or power round-up experiences driven by user behaviour rather than fixed dates.
2. Scale and drive conversion with built-in verification of funds
We now support upfront available-fund checks before initiating a transfer, enabling smart retry logic. This helps prevent unnecessary failed attempts caused by insufficient funds and significantly improves overall payment success rates.
3. Flexible VRP mandates that adapt to customers
Unlike rigid Direct Debits, VRP mandates can be configured with variable frequency and adjustable payment amounts. This flexibility is especially valuable in lending and credit use cases, where repayments can align with affordability or changing customer circumstances, rather than relying on fixed, failure-prone collection schedules.
Learn about how Pleo optimised the payment experience by enabling customers to automatically sweep funds into their Pleo Wallets when they reach a set threshold limit.
Using Sweeping VRP to make tangible improvements to financial well-being:
Instant access to funds:
As transfers are processed through the Faster Payments Service rather than Bacs, they typically settle instantly (within 10 seconds) rather than after several days. This is an immediate improvement on using Direct Debit, which is typically slow and clunky.
Zero involuntary card churn:
Because Sweeping VRP connects directly to the bank account with account verification and long-lived consent, there’s no risk of expired or lost cards disrupting repayments or top-ups for customers. This level of certainty helps build trust and predictability for customers, reducing financial stress.
Market-ready coverage
Yapily supports more than 90% of UK accounts, giving you the confidence to build products that scale across almost the entire market from day one.
Bring Sweeping VRP into your product
Sweeping VRP is designed to be embedded directly into your application, enabling native experiences that feel seamless to the customer. From automated repayments to liquidity smoothing and savings features, the upgraded Sweeping Engine gives you the tools to build smarter financial journeys that simply get on with the job in the background.
If you would like to explore how Sweeping VRP can power your next payment flow, explore our API documentation and book a call with one of our open banking experts.