Additional features are optional pieces of functionality that will help with conversion, customer experience and success of the product based on your use case. This page will run through what features we offer, how they work, what value they bring and finally, an introduction to the technical requirements to integrate with this.

Enhanced Pay-ins

Enabling Feature

Option 1 : The merchant can set the "journeyType" : "ENHANCED_PAYIN"
Option 2 : Yaspa can set a Pay-In override on the merchant account. Changing all journeys to Enhanced Pay-ins.

Description

Yaspa collects and verifies the payee’s details upon transaction completion and shares them with the merchant for added transparency and security. This ensures compliance with KYC (Know Your Customer) and fraud prevention measures.

In Europe - We return the Account Name, IBAN of the Payer
In UK - We return the Account Name, Account Number and Sort Code

This data will be added onto the PAYIN_COMPLETE webhook. See Instant Payments - Webhooks In addition once as Account is saved, this data will be added onto the PAYIN_DECISION : ACCEPTED webhook.

Direct to Bank Pay-in

Enabling Feature

Add the "bank" parameter to the pay-in instruction with ONE of the bank values below

Description

Direct to Bank allows customers to go straight to confirming their bank details without needing to select their bank separately. This is achieved by passing in a bank parameter into the pay-in instruction; examples of the bank names are below:

Country	Banks' values to use (Choose one from the list)
NL	REVOLUT_EU, ING, ABN_AMRO, RABO, SNS_BANK, ASN
DE	Ask Yaspa for details
GB	Ask Yaspa for details
FR	Ask Yaspa for details

KYC Data

Enabling Feature

Add the customerDetails parameter to the pay-in instruction with a JSON object of additional key/values from the table below.

Description

Customer data can be passed into the Pay-in and Payout instructions. This allows Yaspa to answer EMI Request For Information (RFI) requests for PEPs and Sanctions requests on the merchant's behalf.

Yaspa advises merchants to send us customer details in order to streamline RFI requests from the bank. This allows Yaspa to manage 90% of RFI's without having to contact the Merchant.

Any or all of the following optional data can be passed into the instruction to help with RFIs

Field	Description	Type	Example
`sex`	Sex. One of: `"MALE"`, `"FEMALE"`, `"UNKNOWN"`, `"X"`	string	`"UNKNOWN"`
`firstName`	First name	string	`"John"`
`lastName`	Last name	string	`"Jonsson"`
`street`	Street address	string	`"Epworth 1"`
`city`	City name	string	`"London"`
`state`	State name or ISO 2 (abbreviated when applicable)	string	`"London"`
`zip`	Postal zip code	string	`"EC2A 4DN"`
`country`	Country code of residence (3-letter ISO), e.g. `GBR`, `SWE`	string	`"GBR"`
`email`	User's email	string	`"[email protected]"`
`dob`	Date of birth in format `YYYY-MM-DD`	string	`"1970-01-01"`
`mobile`	Mobile number including country code. Prefixed with `+`, no spaces/delimiters	string	`"+46733123123"`
`affiliateId`	Where the payment can be attributed to a specific traffic affiliate, the affiliate ID can be passed to Yaspa who can provide insights on the trends around specific groups of traffic.	string	`Website101`
brandName	When merchants integrate with Yaspa via a PSP, sometimes the original lobby URL is masked. In these cases, Yaspa asks the merchant to pass through the lobby URL here - this aids support and diagnosis of merchant issues	string	Merchant Site NL
`customerValue`	This string represents the customer value as perceived by the merchant. This will allow Yaspa to generate insights on trends for subcategories of users and also help to increase accuracy for categorisation.	string	`VIP 5000`

Example body

{ 
   "reference": "ud6i4vcf5dqa",
   "customerIdentifier": "ud6i4vcf5dqa",
   "paymentGiro": "FPS", "amount": "2",
   "currency": "GBP",
   "payload": "payload123",
   "journeyType": "HOSTED\_PAYMENT",
   "customerDetails": {
      "sex": "UNKNOWN",
      "firstName": "John",
      "lastName": "Jonsson",
      "street": "Storgatan 1",
      "city": "Stockholm",
      "state": "Stockholm",
      "zip": "177 32",
      "country": "SWE",
      "email": "[email protected])",
      "dob": "1981-01-01",
      "affiliateId":"Website101",
      "customerValue":"VIP 5000",
      "brandName": "Merchant Site NL",
      "mobile": "+46733123123"

   }
}

Coming Soon - Intelligent Payments

Intelligent Payments is a seamless payment flow that collects additional payment data from the customer. This data can be used to help understand the financial health and potential risks associated with the individual. The flow allows customers to connect their bank account (via Account Information Services - AIS) and make a payment (via Payment Initiation Services - PIS) in a single, streamlined journey. As part of the process, customers can also manage their bank account consents — including revoking or extending Yaspa's access — directly within the experience.