Intelligent Payments

IIntelligent Payments (IP) is a unified Open Banking solution that merges instant payment initiation with real-time financial intelligence. By capturing verified bank data during the natural deposit flow, IP provides "Day Zero" visibility into player affordability and behaviour, allowing you to satisfy complex compliance requirements while identifying high-value, sustainable growth opportunities from the very first transaction.

Overview

Intelligent Payments (IP) is Yaspa’s flagship solution that bridges the gap between instant payments and deep financial intelligence. By combining Payment Initiation (PIS) with Account Information Services (AIS) into a single, unified journey, we empower merchants to move beyond "blind" transactions.

With Intelligent Payments, you don't just process a deposit; you gain a comprehensive understanding of a player's financial health and commercial potential at the "point of deposit".

Intelligent Payments provides immediate visibility from the very first interaction, eliminating the friction of post-registration document requests.

High consent rates driven by an integrated, intelligent UX.
Industry-leading success rates for UK bank payments.
Access critical financial insights as soon as the player makes their first deposit.

Core Concepts

To truly understand Intelligent Payments, it's important to understand the following terms:

AIS (Account Information Services): this is how Yaspa, with explicit user consent, gains secure access to your customer's bank account data (e.g., balances, transaction history) directly from their bank.
PIS (Payment Initiation Services): this is how Yaspa, under explicit user instruction, initiates a payment directly from your customer's bank account.
Consent Management: customer consent for AIS data access is valid for 90 days (UK / 180 days (Europe). Yaspa handles the entire consent lifecycle, including proactive renewal prompts and reactivation flows.
Insights: these are the actionable, processed insights derived from the collected bank transaction history. Some examples are source of funds verification and categorised gambling spend. These are available in the Yaspa Admin Dashboard and through webhooks.

User Journey & Technical Flow

The Intelligent Payments flow integrates directly into your existing checkout process. Here’s a high-level sequence of events, ensuring a smooth path for your customers:

Initiation: Your system initiates an Intelligent Payment request via the Yaspa Instant Payments Pay-in API.
Bank Selection: The user selects their bank for the payment.
Pre-Positioning Screen: Yaspa displays an initial screen to educate the user about the upcoming bank account connection (AIS) step and its benefits, using positive, engaging language.
AIS Connection & Consent: The user is securely redirected to their banking app. Here, they authenticate and provide explicit consent for Yaspa to access their account information (AIS).
PIS Redirection & Payment Approval: After AIS consent, the user is redirected back to the Yaspa UI. Yaspa then seamlessly redirects them again to their banking app to approve the payment itself (PIS).
Payment Status: The user is brought back to the Yaspa UI to view the final payment status.
Data Availability: Once AIS consent is granted, Yaspa begins collecting and processing the historical transaction data. Insights will become available in your Admin Dashboard shortly thereafter, or via specific APIs/webhooks as per your configuration.

Insights

The raw bank data is processed through Yaspa’s intelligence engine to produce categorised, high-impact insights available via the Yaspa Admin Dashboard or instant Webhooks.

Yaspa Insights Dashboard: your operational teams can view aggregated insights and, depending on your account's permissions, drill down into individual customer data.

Portfolio-Level Intelligence (Merchant Overview)

Strategic monitoring for C-Level, Risk, and Compliance leadership to oversee total platform health:

KPI Portfolio Summary: Tracks average monthly income, average monthly deposits, total deposits, and gambling net position across your entire database.
Source of Funds (SoF) Split: A monthly visualization of where money originates—categorizing inflows by salary, benefits, pension, and more—to support regulatory reporting.
Top #100 Lists: Instant identification of the top 100 players by income, deposit value, or net loss to prioritize manual reviews and VIP opportunities.

Individual Player Deep-Dives

Granular metrics for Compliance and Safer Gambling teams to action specific customer cases:

Pan-Operator Net Position: View a player's actual winnings and losses across the entire ecosystem, not just your platform, to close the "blind spot".
Share of Wallet: A ratio identifying what percentage of a player’s total gambling spend is with your brand versus competitors.
Sustainability & Affordability: Real-time analysis of "Gambling deposits vs. Income" and "Cash Balance" trends to move beyond one-size-fits-all limits.
Forensic Transaction History: Full access to categorized bank transaction history for high-stakes regulatory inquiries or SAR filings.

Yaspa Insights Webhooks:

Within the Admin Dashboard, you can configure webhook notifications for insights based on your insights group. This will allow you to programmatically retrieve specific insights, enabling direct integration into your internal systems (e.g., Responsible Gaming platforms, CRM, fraud detection).

The below insights are categories of information that Yaspa can supply to merchants to help them understand their customers:

Bank Statement: provides merchants the ability to download a full statement of transactions, similar to a bank statement downloaded from a banking app. These can be downloaded by month.
Payment Basic: provides a view of a customer's spend across gambling and other spend. Yaspa are able to successfully categorise gambling transactions due to an in house AI categoriser, trained with more than 100,000 transactions in partnership with the UK Gambling Commission and the Behavioral Insights Team.
Payment Global: similar to the above data but broken out to highlight Gambling spend with other operators. Balance: provides real-time visibility into customer’s balance history, making it easy for merchants to view up-to-date funds and analyse financial trends.
Affordability: provides a breakdown of all regular income streams - such as salaries and benefits, detailing the sources of a customer’s recurring earnings.

Strategic Functionality

Intelligent Payments is designed to fit seamlessly into diverse operational workflows while maintaining strict security standards:

Role-Based Access Control: Define exactly which teams - such as Commercial, Risk, or Safer Gambling - can see specific data points to maintain strict GDPR compliance.
Customisable Views: Tailor your default dashboard to match your specific operational needs by customising time ranges and metrics.
Modular Intelligence: Choose to receive the full suite of financial intelligence or subscribe only to specific insights that align with your risk appetite.

API Reference: Initiating an Intelligent Payment

Initiating an Intelligent Payment uses your standard Yaspa Pay-in API. The key difference is including the flow_type parameter in your create_payment request.

POST /v1/payments
{
  "amount": {
    "value": 50000,
    "currency": "GBP"
  },
  "customer_id": "your-customer-id-123", // Your unique customer identifier
  "return_url": "[https://yourmerchant.com/return](https://yourmerchant.com/return)", // URL for post-payment redirect
  "webhook_url": "[https://yourmerchant.com/webhook](https://yourmerchant.com/webhook)", // URL for status updates
  "flow_type": "INTELLIGENT_PAYMENT" // This explicitly triggers the IP flow
  // ... other standard pay-in parameters as needed
}

Additional Features:

Skip to Payment

The Skip to Payments feature provides a frictionless fallback for your customers. It allows users who are not yet ready to share their bank data (AIS) to bypass the consent step and proceed immediately to a standard Enhanced Payin.

By offering this flexibility, you protect your conversion funnel - ensuring that data-sharing remains an "opt-in" value- add rather than a barrier to payment.

How it works When enabled, the user journey adapts dynamically based on the customer’s interaction:

The "Skip" Option: Users are presented with a clear "Skip to Payment" or "Pay without connecting" option. This can be configured to appear on the Pre-Positioning screen, the AIS Consent screen, or as a final option on an Exit bottom sheet if they attempt to close the flow.
Dynamic Flow Switching: The moment a user selects "Skip," Yaspa’s engine dynamically reconfigures the transaction. The flow_type instantly switches from INTELLIGENT_PAYMENT to ENHANCED_PAYIN.
Webhook Transparency: Your system stays in the loop. The resulting transaction webhooks will explicitly state the flow_type as ENHANCED_PAYIN, allowing your backend to know exactly which users have provided data and which haven't.

Benefits

Zero Conversion Drop-off: You never lose a deposit due to "data-sharing fatigue." If a user is in a hurry, they can pay in seconds and share data later.
Intelligent Re-Engagement: The system is "memory-aware." If a user skips the AIS step, the platform will gently re-prompt them on their next return journey.
One-and-Done Consent: Once a user successfully completes a full Intelligent Payment (Payment + Data), the system recognizes the 90-day consent window and will not prompt them again for future deposits, ensuring a high-speed experience for your most loyal customers.
Granular Control: You decide the balance between data acquisition and speed. Enable "Skip" globally for all users, or enforce AIS only for specific high-risk segments.

Configuration & Implementation

You have total control over how and when this feature appears:

Dashboard Toggle: Enable or disable the "Skip" functionality globally via the Yaspa Admin Dashboard.
Programmatic Override: For advanced workflows, you can override the dashboard settings on a per-transaction basis. By specifying the preference in your API payment instructions, you can force AIS for specific compliance checks while allowing "Skips" for lower-value deposits.
UX Placement: Choose where the skip option feels most natural for your brand—whether as a prominent button or a subtle secondary link.