Yaspa provides a range of products within its Banking as a Service offering.

Instant Payments

The Instant Payments product set allows merchants to present their customers with a web-based Journey for depositing or sending money. The Instant Payment Journey is typically linked to the merchant's checkout or deposit pages which show the Yaspa-hosted pages that guide them through the pay-in process.

To kick off a pay-in, the merchant will send Yaspa a payment instruction API call that contains information on the amount to be paid, the currency, references, customer ID, etc. Yaspa will respond with a URL to the customer Journey.

The customer should be redirected to the URL, where they will be asked to select their ASPSP and then taken to their mobile banking app where they can approve the payment. After the customer has completed the journey and made the payment they will be directed back to the merchant's website.

Pay-in additional features

There are a range of add-on services to this product:

Enhanced Pay-ins

Yaspa collects and verifies the payer’s details upon transaction completion and shares them with the merchant. This can be used as part of compliance and AML processes.

• In Europe - Yaspa returns the account name and IBAN
• In UK - Yaspa returns the account name, sort code and account Number

Direct to Bank Feature

Merchants can host individual bank icons on their payment methods page. They can achieve this using the Direct to Bank feature. This allows customers to skip the bank selector page and jump straight to confirming their bank details. This method locks the payment to one bank and can be used to highlight key banks by moving them to the merchant payment method screen, enhancing trust and making the payment process easier and quicker.

KYC data

Customer data can be passed into the pay-in and payout instructions. This allows Yaspa to answer bank Request For Information (RFI) requests for PEPs and sanctions requests on the merchant's behalf.

Coming Soon - Intelligent Payments

New in 2025 - 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 to the individual. The flow allows customers to:

• Connect their bank account (via an open Banking Account Information Services call - AIS)
• Then, 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.

---

Instant Payouts

Payout journeys are typically used when a customer withdraws funds from the merchant. However, payouts can also be used as part of a refund flow. payouts are common in e-wallet or iGaming scenarios where the customer has a wallet and wants to return funds back to their bank account.

Yaspa supports two integrations of payouts:

1. Direct Payouts (API Payouts)

Direct Payouts are designed for merchants that use Enhanced Pay-ins and want a closed-loop payment process. The account details gathered during Enhanced Pay-ins allow the merchant to payout directly to a customer account without any Yaspa UI. In the direct payout scenario, a merchant will use their own UI screens and use Yaspa to process the payment.

For direct payouts, the merchant states how much money should be paid out and to which customer account, and Yaspa takes care of the rest. The merchant can choose whether these payouts require approval to complete. See the Payout Approvals additional feature below.

2. Hosted Payouts

Hosted Payouts are designed for merchants who want Yaspa to guide the customer through the payout journey using our UI. The merchant sends Yaspa a payout instruction, and Yaspa will respond with a URL for the Yaspa-hosted journey. The journey allows the customer to select their bank account and withdraw the amount of money specified by the merchant. This is very similar to the Instant Payment flow.

For Hosted Payouts, the merchant states how much money should be paid out, and Yaspa takes care of the rest via its UI Journey. The merchant can choose whether these Payouts require approval to complete. See the Payout Approvals additional feature below.

Payout additional features

There are a range of add-on services to this product, please see them below:

Closed Loop Payouts

When a Closed loop payout is made, the customer is presented with only a list of bank accounts they have previously used for pay-ins. The bank selector is not available, and new bank accounts cannot be connected. This AML feature stops customers from paying in from one account and then performing a payout to another account.

Payout Approvals

Many merchants want customers to be able to request payouts at any time, but they want the ability to approve them before funds are released. This allows merchants to manage risk and KYC compliance by checking any requests to take money from the merchant account. Payouts are a critical moment to spot and prevent fraud across industries, and Payout Approvals allows merchants to manage this process.

All Payout options above can be used with any of the following Payout approval scenarios. Merchants can change which approval type they wish to use on a payout-by-payout basis by stating in the payout instruction whether the payout should be queued for approval.

Automatic Approval

Automatic payout approvals will complete as soon as the payout journey has been successfully completed. As such, no approval is done here.

Manual Approval via the Yaspa Admin Back Office

For payouts marked as queued, the merchant admin team can view the list of payouts to review in the Yaspa admin dashboard and then approve or reject them via the admin dashboard.

Manual Approval via Direct API

Merchants may have their own back office systems that already have screens to view and approve payouts. merchants can integrate these systems with Yaspa using our approval APIs.

For payouts marked as requiring approval, the merchant's admin team would review the payouts in their own back office system, which would then send API calls to Yaspa to approve or reject.

Payouts Allowing Manual Input

This add-on supplements the Hosted Payouts and provides the option for customers to manually type in their bank details. This provides more choice for customers who are not familiar with mobile banking apps. This works best in regions where customers are familiar with copying and pasting their bank details, such as Germany.

Allowing manual entry of IBANs is useful in situations where security is of paramount concern, as this is an open-loop payout by nature of how it works.

Account Verification

Account Verification journeys can be used to obtain more information about customers directly from the bank. This product allows those requests to be done outside of a pay-in or payout.

1. Account Verification

Account Verification is a standalone, AIS-driven journey designed to verify a customer’s identity and bank account ownership. Unlike our payment flows, this is an information-only journey that can be triggered at any point in the customer lifecycle—perfect for automated KYC onboarding or "bank-binding" before a payout.

How it Works (The Developer Flow)

• Initiation: Your system initiates a standalone verification request via the Yaspa API. This journey is independent of any payment instruction.
• Redirection: The customer is redirected to the Yaspa bank-selection UI.
• Authentication: The customer selects their bank and is handed over to their mobile banking app or online portal.
• Consent & Verification: The customer grants explicit consent for the bank to share account holder details. No transaction data is pulled in this specific flow—only identity and account identifiers.
• Data Payload: Once the customer is redirected back to your site, Yaspa provides the verified "Source of Truth" data via API and Webhook.
  • In Europe - Yaspa returns the account name and IBAN of the customer.
  • In the UK - Yaspa returns the account name, account number and sort code
  
  

2. Intelligent Insights

Intelligent Insights is our advanced analytics engine that processes raw Open Banking (AIS) data into actionable financial and behavioral markers. This removes the need for merchants to build their own categorization engines, providing a "sanitized" and interpreted view of a player’s financial health.

This product can be embedded within the Intelligent Payments (IP) flow or used as a standalone compliance check.

Key Intelligence Markers

Our engine analyses years of transaction history to return the following key indicators:

• Verified Income: Categorised monthly inflows (Salary, Benefits, Pension, etc.) to establish a reliable baseline for affordability.
• Pan-Operator Gambling Spend: A comprehensive view of the customer’s net position across the entire industry. This identifies if a player is "displacing" spend from other operators to your platform.
• Behavioral Velocity: Identification of high-risk patterns, such as "chasing losses" or rapid increases in deposit frequency and value.
• Sustainability Ratios: Real-time comparison of gambling spend against discretionary income and current bank balances.

Delivery & Integration

Insights are delivered in two ways to ensure both manual and automated workflows are supported:

• Yaspa Admin Dashboard: A visual, forensic breakdown for Risk and Safer Gambling (SG) analysts.
• Automated Webhooks: Processed data points delivered directly to your backend, allowing for real-time, automated triggers (e.g., automatically flagging an account for review if the net loss exceeds a specific income threshold).