Yaspa positions itself as an Open Banking provider built for instant payments, but its real strength lies in payouts. From paying contractors and suppliers to handling customer refunds, it enables businesses to move money out as quickly as it comes in. That makes it especially relevant for platforms, retailers, and service providers where fast disbursements are critical to customer satisfaction.
For finance and operations teams, though, the big question is still the same: how much does Yaspa charge for these payout capabilities, and do the features match the price tag?
This guide breaks down Yaspa’s pricing structure, highlights its key payout and payment features, and weighs the pros and cons of adopting it. We’ll also show when Yaspa fits well for UK businesses and when a more flexible alternative may offer stronger value.
Yaspa Pricing Explained
| Fee Type | What It Covers | Typical Structure | Notes for Payout-Heavy Teams |
|---|---|---|---|
| Payment initiation | Incoming pay by bank transactions collected from customers | Small percentage of the transaction value or a flat per-payment fee | Watch blended rates if you also refund frequently |
| Payout / disbursement | Outgoing payments to suppliers, contractors, or customer refunds | Per-transaction fee, sometimes tiered by monthly volume | Main cost driver for marketplaces and gig platforms |
| Add-ons | Advanced features such as VRP, premium fraud tools, or batch extras | Usage-based or feature-based surcharge | Confirm if bulk payouts attract any extra processing fees |
Tip: Rates are usually quote-based and negotiated by volume, so request tiers for low, medium, and high monthly payouts.
For payout-heavy industries such as marketplaces, gig platforms, and retailers, these costs can quickly add up. Businesses often negotiate rates based on monthly volume, but the lack of transparent, published pricing means prospective clients need to engage Yaspa directly to get a final figure.
Is Yaspa’s pricing suitable for high-volume payouts?
In general, yes — but the per-transaction model means the higher the volume of disbursements, the more businesses should scrutinise whether the cost aligns with the value of instant bank-to-bank transfers.
Yaspa Features Review
It goes beyond simple bank-to-bank payments by offering a set of features designed for businesses that need to move money both in and out efficiently.
1. Instant Payouts
Yaspa’s standout capability is enabling real-time payouts to customers, contractors, or suppliers. Refunds can be processed in seconds, and disbursements to multiple recipients are handled without the delays often seen with traditional bank transfers.
2. Payment Initiation
Like other Open Banking providers, it allows businesses to collect payments directly from customer bank accounts. This reduces card processing fees and eliminates chargebacks, making it attractive for recurring and one-off payments.
3. Refund Automation
For retailers and service platforms, refund speed is often tied to customer satisfaction. It supports near-instant refunds that settle back into the customer’s account without card network delays.
4. Compliance and Security
Yaspa is regulated under FCA Open Banking standards, which means strong authentication, data protection, and audit-level traceability are built into every transaction.
5. API-first Experience
Developers can access Yaspa through a clean API integration. This makes it easier to embed payouts and refunds into existing workflows without relying on manual processes.
Does Yaspa support bulk payouts?
Yes, it can be used for batch disbursements, but businesses handling thousands of transactions monthly should confirm volume efficiency and potential surcharges during contract discussions.
Yaspa Pros & Cons
| Pros | Cons |
|---|---|
|
|
What type of businesses benefit most from Yaspa?
Marketplaces, retailers, gig platforms, and service-based businesses that issue frequent payouts or refunds stand to gain the most.
Who Should Use Yaspa?
It is best suited for businesses that want a straightforward Open Banking solution with an emphasis on moving money out quickly.
Ideal Fit
- Marketplaces – paying multiple vendors or sellers.
- Retailers – issuing rapid customer refunds.
- Service platforms – disbursing payments to gig workers or freelancers.
- SaaS businesses – embedding simple pay-in and pay-out flows into their apps.
Where It Falls Short
For businesses handling large-scale, high-frequency payouts, Yaspa’s per-transaction model may limit cost efficiency. Enterprises that require bulk disbursements, flexible pricing, and white-labelled payout capabilities will find better alignment with providers offering usage-based models.
Finexer: A Flexible Alternative
While Yaspa delivers strong payout functionality, Finexer is built to take it further. Designed for UK businesses that depend on high-volume disbursements, Finexer combines instant payments with cost efficiency through its usage-based model.
Why Finance Teams Choose Finexer for Payouts
- Bulk Payouts at Scale – send hundreds of payments to suppliers, contractors, or gig workers in one go.
- Instant Refunds – customer refunds land in bank accounts within seconds, boosting satisfaction and reducing disputes.
- Automated Disbursements – set up recurring payout schedules without manual effort.
- Usage-Based Pricing – pay only for what you use, making costs predictable even at scale.
- No Setup Costs – start without upfront fees or hidden charges.
- 3–5 Weeks of Hands-On Onboarding Assistance – full support during integration to ensure a smooth go-live.
- 2–3x Faster Deployment – compared to most providers, Finexer helps you launch payout flows much sooner.
Empowering B2B Automation and Payments with Open Banking
“We realised we had a lot in common with Finexer in how we approach services for our customers. This made it a highly collaborative partnership from the start.” — Penny Phillips, Chief Commercial Officer at Sysynkt.
How does Finexer provide a business-focused solution?
“Our business isn’t about the volume of consents—it’s about delivering high-quality services to some of the biggest names in the industry. We needed a partner who understood the importance of providing business-focused solutions, and Finexer joined us on that journey. Finexer’s willingness to work closely with us, rather than treating us as just another customer, was truly refreshing,” — Penny Phillips, Chief Commercial Officer at Sysynkt.
Bottom line: If your business model depends on fast, frequent payouts, Finexer is a more flexible and cost-effective alternative to Yaspa.
Ready to speed up your business payouts and improve cash flow? Get started with Finexer’s Bulk Payouts today, with no setup costs!