Variable Recurring Payments (VRP)

The future of recurring payments

VRP replaces Direct Debit and card-on-file with flexible, instant, consent-based recurring payments built on Open Banking infrastructure.

Set up VRPAPI Reference

Three types of VRP

From consumer subscriptions to corporate treasury management — VRP covers every recurring payment use case.

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Consumer VRP

Flexible subscription and recurring billing with full customer consent control.

  • Customer-controlled consent via bank app
  • Flexible payment amounts within agreed limits
  • Instant consent revocation
  • Built-in spending caps
Best for: Subscriptions, memberships, utilities
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Sweeping VRP

Automated account-to-account sweeping for treasury, savings, and cash management.

  • Automatic balance optimisation
  • Savings pot sweeping
  • Overdraft avoidance
  • Treasury management
Best for: Banks, wealth management, neobanks
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Commercial VRP

B2B recurring payments for supplier management and corporate treasury.

  • Multi-bank B2B transfers
  • Invoice-linked automation
  • Supplier payment schedules
  • ERP system integration
Best for: Platforms, enterprises, B2B marketplaces

VRP vs legacy methods

vs Direct Debit

Instant consent, instant revocation, variable amounts in real-time

vs Card-on-file

No card data storage, zero fraud risk, lower fees

vs BACS

Real-time processing instead of 3-day settlement cycles

Platform Available Now

Modernise your recurring payments with VRP

Replace legacy Direct Debit and card subscriptions with instant, flexible, Open Banking-powered VRP.

Get Started with VRPDownload VRP Guide
£2B+
Payments Processed
200+
Platform Partners
99.99%
Uptime SLA