Bulk Payments

Further reading on how to create bulk payments with Yapily.

Introduction

Yapily provides the ability to execute Bulk Payments and not Batch Payments through our payments API. Note the definition of a bulk payment below:

  • Bulk: A group of payments (e.g. in a file) to be paid to multiple creditor accounts from the same debtor account, on the same date, with the same currency and through the same payment scheme
  • Batch: A group of payments (e.g. in a file) to be paid to multiple creditor accounts from multiple debtor accounts. These may involved different payment execution dates, currencies and payment schemes.

Coverage

Support for bulk payments is currently only provided by business and corporate integrations in the UK, plus some in Germany. Currently, this is limited to the following banks in the UK:

  • Allied Irish Bank Business (ROI)
  • Barclays Business
  • Barclays Corporate
  • HSBC UK Business
  • Lloyds (Business)
  • Natwest Bank
  • Natwest Bankline
  • Royal Bank of Scotland
  • Royal Bank of Scotland Bankline
  • Santander UK Plc Business

Plus the following ones in Germany:

  • Commerzbank
  • Sparkasse

Bulk Payment Request

To create a bulk payment with the Yapily API, you specify an array of Single Payments and provide them to the payments object in the the BulkPaymentRequest when executing any of the bulk payment endpoints.

Depending on the restrictions of each Institution, you may have to make specific adjustments to the payments array. More information on these types of restrictions are listed below.

Account Beneficiaries

For each Institution in the UK that has the limitation where each Payee must be a trusted beneficiary for the execution of the bulk payment to occur successfully, Yapily has introduced the ACCOUNT_BENEFICIARIES feature to allow TPPs to get all the beneficiaries for the Payer account to cross check that each Payee is a trusted beneficiary.

To access the beneficiaries of an account, you must obtain a valid AIS consent using Create Account Authorisation and then use the resultant consentToken to execute Get Account Beneficiaries.

Unfortunately, it is not in scope for Open Banking to allow the dynamic adding of beneficiaries through Open Banking APIs so the payments service user must do this manually through their bank.

Known Restrictions

Note: Bank restrictions are always changing and sometimes we might not be up to date. If you know or encounter any case where our below notes are out of date, please let us know.

Barclays

  • Only domestic payments are supported
  • Maximum 50 payments per request
  • Minimum 5 payments per request
  • Minimum total payments amount is £1.00
  • Maximum total payments amount is £50,000
  • A reference for every payment is required

Lloyds

  • Only domestic and scheduled payments are supported
  • Maximum 25 payments per request
  • Minimum total payments amount is £0.01 (1p)
  • Maximum total payments amount would be determined by the account limits on the specific accounts being used.
  • The property requestedExecutionDateTime is not supported for this bank
  • A reference for every payment is required
  • Only one Payer object should be specified in the bulk payment

Natwest

  • Only domestic and scheduled payments are supported
  • Maximum 15 payments per request
  • Each payment in the bulk must have the same payment type
  • Bulk payments are only accepted where all the creditors are trusted beneficiaries

RBS

  • Only domestic and scheduled payments are supported
  • Maximum 15 payments per request
  • Each payment in the bulk must have the same payment type
  • Bulk payments are only accepted where all the creditors are trusted beneficiaries

Santander

  • Only domestic and scheduled payments are supported
  • Maximum 1750 payments per request
  • For every payment in the bulk payment the same Payer object must be specified
  • Bulk payments are only accepted where all the creditors are trusted beneficiaries