Yapily

IntegratedPISP / aggregator

UK open banking: account linking and single immediate payments across UK banks, with Unirail's own bank picker.

Connect in the dashboardyapily.com ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means Yapily offers it according to its public documentation, and Unirail can’t route it yet.

Banking

  • Account detailsbanking.ais.account-details

    The account and routing details of an account the user links: sort code and account number, IBAN, ACH routing and account number.

  • Balancesbanking.ais.balances

    Current and available balance of a linked account.

  • Transactionsbanking.ais.transactions

    Transaction history of a linked account.

  • Account insightsbanking.ais.insights

    Data derived from linked accounts: income and employment, assets, cash flow, categorisation and underwriting reports.

    • listedATBEDEDKEEESFIFRGBIEISITLTLVNLNOPTSE

      Data Plus, in beta. Yapily says "UK and EU" without a country list, so these are its account data countries (unverified).

      Source, checked 2026-10-08 ↗
  • Single paymentsbanking.pis.single

    One immediate payment from the payer's bank account, approved by the payer at their bank.

    • integratedGB

      Capped at £15,000 per payment under Yapily Connect.

    • listedATBEDEDKEEESFIFRIEISITLTLVNLNOPTSE

      SEPA Credit Transfer and SEPA Instant.

      Source, checked 2026-10-08 ↗
  • Sweeping VRPbanking.pis.vrp-sweeping

    UK variable recurring payments between accounts the same person holds (sweeping), under one long-lived mandate.

  • Commercial VRPbanking.pis.vrp-commercial

    UK variable recurring payments to a merchant or other third party (commercial VRP) under one mandate.

  • Bulk paymentsbanking.pis.bulk

    Many payments approved together in one bank authorisation.

Verification

  • Verification of Payeeverification.vop

    EU Verification of Payee: asks the payee's PSP whether the name matches the IBAN, as the Instant Payments Regulation requires.

  • Account ownershipverification.ownership

    Proving the user holds an account by linking it at their bank; the bank returns the holder's name where it reports one.

    • integratedGB

      The user links the account themselves, so Unirail records it as verified (own link).

Reaches many banks through open banking: links accounts and starts payments that go straight from the payer’s bank to the payee’s.

Coverage

Countries Unirail routes today

  • GB United Kingdom

Account schemes

  • payto://scan
    UK sort code and account number
  • payto://iban
    IBAN

Custody

Who holds the money while a payment through Yapily is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • noneNo custody

    Nobody holds the money. The payer’s bank pays the payee’s bank directly; the provider only instructs it.

Who is regulated

Yapily (Yapily Connect: FCA 827001 in the UK, Bank of Lithuania LB002045 in the EU) or the platform's own licence.

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Yapily with your credentials.

Onboarding

Sandbox
Self-serve sandbox
Production
Contract with the provider

Under Yapily Connect, Yapily is the regulated party and the platform shows Yapily's disclosure; payments are capped at £15,000.

Credentials

Create these keys in your Infisical, under the base path you bound to the Unirail environment (/unirail unless you chose another), in a folder named yapily. Unirail reads them through OIDC federation and never stores them.

<basePath>/<railId>/<KEY>
  • /unirail/yapily/APPLICATION_ID
    Yapily application id
    identifier
  • /unirail/yapily/APPLICATION_SECRET
    Yapily application secret
    secret
Connect Infisical with OIDC →

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