Yapily Payments
Yapily Payments provides Pay by Bank infrastructure for businesses that want to accept payments directly from customers’ bank accounts.
What Yapily Payments is
Yapily Payments provides Pay by Bank infrastructure for businesses that want to accept payments directly from customers’ bank accounts. Customers choose Pay by Bank at checkout, select a bank, review the payment details, authenticate with their bank using SCA and confirm. Yapily says transactions settle in under 10 seconds. Businesses can add the service through a white-label API embedded in their experience or use Yapily’s customisable hosted solution. Yapily says one integration connects to over 2,000 banks and institutions across 19 European countries. Its product page describes encrypted APIs, bank-grade authentication and payments that do not require card details; it also says bank-grade authorisation reduces chargeback risk. API documentation includes payment guides, tutorials and references, and API customers can raise technical support tickets through the support portal. Pricing is tailored and not listed. Yapily Ltd states that it is not a regulated entity and does not provide regulated services to customers.
Good
- Connects to over 2,000 banks and institutions.
- Bank coverage spans 19 European countries.
- Offers embedded API and hosted checkout options.
- Transactions are stated to settle in under 10 seconds.
- API documentation includes guides, tutorials and references.
Watch out
- Pricing is available on request.
- The company says it is not a regulated entity.
- The listed bank connectivity covers 19 European countries.
Who it suits
Yapily Payments is intended for businesses accepting payments, including providers serving B2B and B2C accounts. It may suit teams seeking Pay by Bank through an embedded API or hosted checkout.
Verdict
Yapily Payments offers a bank-account payment flow through either an API or hosted checkout. Businesses should consider its tailored pricing and the company’s stated regulatory status when assessing fit.
Plans and prices
From Yapily Payments's own pricing page, checked 2 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Tailored pricing | Priced on request | Pricing designed around business needs · No hidden fees · Contact Yapily to explore a pricing model tailored to your business. |
The facts
Each one read from Yapily Payments's own pages, with the date it was checked.
What it does
- Bank connectivity
- Yapily says one integration connects to over 2,000 banks and institutions across 19 European countries.checked 2 Oct 2026
- Chargebacks
- Yapily says bank-grade authorisation on every payment reduces the risk of chargebacks.checked 2 Oct 2026
- Checkout
- Customers select Pay by Bank, choose a bank, review payment details, authenticate with their bank using SCA, and confirm the payment.checked 2 Oct 2026
- Developer resources
- Yapily provides API documentation with payment guides, tutorials, and API references.checked 2 Oct 2026
- Integration options
- Businesses can embed a white-label API into their user experience or use Yapily’s customisable hosted solution.checked 2 Oct 2026
- Intended customers
- Yapily presents the payments infrastructure for businesses, including providers serving both B2B and B2C accounts.checked 2 Oct 2026
- Scale
- Yapily describes its payment infrastructure as designed for resilience and high availability.checked 2 Oct 2026
- Security
- The product page describes encrypted APIs, no card details, and bank-grade authentication for payments.checked 2 Oct 2026
- Settlement
- Yapily says transactions settle in under 10 seconds.checked 2 Oct 2026
- Support
- API customers can raise a support ticket through the support portal for technical assistance.checked 2 Oct 2026
- What it does
- Yapily Payments provides Pay by Bank infrastructure for businesses to accept payments directly from customers’ bank accounts.checked 2 Oct 2026
The company
- Company regulatory status
- Yapily Ltd states that it is not a regulated entity and does not provide regulated services to customers.checked 2 Oct 2026
- Founded
- 2017checked 28 Sep 2026
- Headquarters
- Yapily lists its registered office as 66 Paul Street, London, England, EC2A 4NA, United Kingdom.checked 2 Oct 2026
Money
- Payment costs
- Yapily describes Pay by Bank as having a lower per-transaction cost than cards, Direct Debit, and e-wallets.checked 2 Oct 2026
Alternatives to Yapily Payments
- 1
TrueLayer Data API
Free planAndroidiOSWebAPI6.9Free plan - 2
Plaid
AndroidiOSWebAPI6.6 - 3
Lean Payments
AndroidiOSWebAPI6.4 - 4
Crezco
WebAPI6.1From £10 a month - 5
Pay by Bank from allpay
AndroidiOSWeb6.1 - 6
TrueLayer Payments
AndroidiOSWebAPI6.1