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Variable Recurring Payments

Increase conversions and reduce costs with VRP

Gain an edge with our complete solution for VRP: one-click, recurring and automated instant bank payments in the United Kingdom.

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ONE API INTEGRATION FOR

A new way to pay with open banking

Why is VRP a gamechanger?

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    Boosts conversions

    Enhance shopping experiences and boost conversions with VRP for instant 1-click bank payments. Offer a faster, smoother, and more user-friendly alternative to direct debit.

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    Reduces churn

    Eliminate late payments and reduce churn with automated, instant bank payments. No card expiry.

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    Lowers costs

    Eliminating intermediaries and running on open banking rails, VRP processing costs are substantially lower than card-on-file — and there are no chargebacks.

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    Settles instantly

    Settles in seconds to improve cash flow. Reduce cycle time with 24/7/365 processing.

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    Minimises fraud

    Every payment is authenticated directly with a bank, with SCA is seamlessly baked-in. Never share or store sensitive payment details.

Tap into a world of potential

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    Bills & subscriptions

    Increase on-time payments and give users more control with reliable, automated bank payments for electricity, gas, water, telecom and TV bills.

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    Repayments

    Eliminate late payments and boost customer satisfaction with automated credit card and mortgage payments that settle instantly. Reduce failed payments with automated, instant balance checks.

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    Top-ups

    Supercharge deposits to current accounts, pensions, investment and savings accounts with automated or one-click top-ups that settle in seconds.

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    1-click ecommerce

    Launching soon: Drive conversions with seamless 1-click instant payments for an unmatched shopping experience.

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    Train tickets

    Automatically initiate instant bank payments based on events or triggers, like train or tube rides.

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    Government payments

    Reduce late and missed payments with efficient and reliable automated bank payments for council taxes, social care charges, planning application fees, fines, penalties and housing rent.

How does VRP work?

Experience hassle-free payments with VRP. Users can easily set up automated payments by selecting preferred payment limits and consent expiry. Future payments are automatic (scheduled or trigger-based) or one-click.

Explore our Use Case Library to witness the power of VRP.

All you want — more than you expect

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    Customisable flows

    Your brand, your VRP, your way. Customise VRP setup and consent flows to fit your needs.

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    Plug-n-play

    Easily embed VRP into any experience. Boost conversions with plug-n-play setup flows.

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    Licencing as a service

    Use our plug-and-play payment flows and you can go to market faster under our licences (PISP/AISP, UK/Europe).

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    Automated refunds

    Leverage our dedicated UK settlement accounts for fully automated, instant refunds driven by APIs.

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    Instant payouts

    Drive user satisfaction with easy payouts and withdrawals that settle in seconds, not days.

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    Growth services

    See results faster with consultancy, growth and innovation services.

Explore our other

Cutting-edge products

Pay by Bank for your industry

Our Pay by Bank solutions solve key challenges in your industry.

  • Award Icon

    Juniper Research Future Digital Awards

    Best A2A Payments Platform 2025 – Platinum Winner

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    Open Banking Expo Awards

    Best Open Banking Payment Project 2025 - Consumer - Winner

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    Banking Tech Awards

    Best Digital Solution Provider (PayTech) 2025 - Highly Commended

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