Yaspa Pricing Guide for UK Businesses in 2025

Managing payments shouldn’t be this difficult, but for many UK businesses, it is. Traditional payment providers often come with unclear pricing, card fees that add up fast, and settlement times that slow down your cash flow. Even with newer options like open banking, it’s not always easy to know what you’re signing up for until the invoice arrives.

That’s where Yaspa enters the conversation. Built in the UK, Yaspa offers account-to-account (A2A) payments, real-time payouts, and tools like account verification and virtual accounts, all aimed at simplifying how businesses get paid. But here’s the challenge: Yaspa pricing isn’t publicly listed, which makes it harder to know if it fits your budget.

We will help you understand:

What Does Yaspa Offer? Core Services Explained

Before looking at Yaspa’s pricing, it’s important to understand what the platform actually offers. Below is a simple breakdown of its core services, explained in a way that’s relevant to UK businesses.

1. Pay by Bank

• Instant account‑to‑account payments: Customers select “Pay by Bank” at checkout and approve a transfer in their online banking or app.
• No cards required: Funds move directly from customer to merchant bank accounts, cutting out card network fees and delays.
• Built for UK banks: Works with most major UK banks under open banking regulations.

2. Payouts

• Real‑time disbursements: Send refunds, rebates or supplier payments instantly, rather than waiting days for card‑based refunds.
• Flexible triggers: Automate payouts on events such as returns, loyalty rewards or subscription cancellations.
• One integration: Use the same API for incoming payments and outgoing payouts, simplifying your codebase.

3. Account Verification

• Customer KYC: Verify account ownership by checking name and sort code/account number against bank records.
• Reduce fraud: Confirm that payments originate from the customer’s own account before you ship goods or grant access.
• Lightweight flow: Verification happens in the user’s banking app, with minimal friction and no need for document uploads.

4. Virtual IBANs

• Dedicated account numbers: Assign unique IBANs to customers or channels, making reconciliation straightforward.
• Consolidated settlements: All funds still arrive in your main business account, but with clear tagging per IBAN.
• Ideal for marketplaces: Track which seller or buyer each payment belongs to without manual matching.

5. Verification+

• Affordability checks: Assess whether a customer’s account balance and transaction history support a payment.
• Risk signals: Receive indicators for account health, such as dormant status or low balance warnings.
• Smarter decision‑making: Use these insights to decide when to request additional authentication or hold funds.

Common Pricing Models in Open Banking

Even though Yaspa Pricing isn’t published outright, most open‑banking platforms use one or more of these structures. Understanding them will help you gauge likely costs and compare providers on an even footing.

1. Fixed Fee per Transaction

A simple, flat charge for every payment processed.

• Typical UK range: £0.20–£0.50 per transaction (some may go up to £0.75)
• Best for: High‑value payments where a flat fee is cheaper than a percentage.

2. Percentage of Transaction Value

A fee calculated as a share of the payment amount.

• Typical UK range: 0.5%–2.5% of the transaction
• Best for: Lower‑value payments or high‑volume, small‑ticket sales where percentage fees stay small.

3. Monthly Minimum or Subscription

A baseline fee you pay each month, regardless of volume.

• Example: £50/month minimum, even if you only process £30 of transactions
• Why it matters: Ensures the provider covers its costs, but can penalise low‑volume merchants.

4. Tiered Volume Discounts

Fees decrease once you hit certain volume thresholds.

• Example: £0.30 per transaction up to 10,000 txns; £0.25 up to 50,000; £0.20 thereafter
• Best for: Scaling businesses that process large monthly volumes.

5. Add‑On Service Fees

Extra charges for optional features or high‑risk services:

• Payouts (real‑time supplier payments)
• Fraud screening or Verification+
• Variable Recurring Payments (VRP)

How to Use This

1. List the models that apply to your use case (e.g. fixed fee + VRP add‑on).
2. Plug in your average transaction size and volume to estimate monthly spend.
3. Compare these estimates against peers; this gives you a ballpark for Yaspa Pricing and highlights where other providers may offer better value.

Industry Benchmarks for UK A2A Payment Fees

Even without Yaspa’s exact rates, you can use industry benchmarks to set realistic expectations. Here are typical fee ranges for open‑banking payments in the UK:

Fee Type	Typical UK Range
Flat fee per transaction	£0.20–£0.50
Percentage of transaction value	0.5%–2.5%
Monthly minimum or subscription	£0–£50+
Tiered volume discounts	Decreases as volume grows
Add‑on service fees (payouts, VRP)	£0.10–£0.30 or 0.1%–0.5%

How to use these benchmarks

1. Identify your mix: Decide which fee models apply (e.g. flat fee + VRP add‑on).
2. Plug in your numbers: Multiply your average transaction size and monthly volume by these ranges.
3. Compare scenarios: See how your estimated costs align with what you’d expect from Yaspa versus other providers.

A Simple Guide to Estimating Yaspa Costs

Rather than diving into complex formulas, here’s a quick, four‑step checklist to help you ballpark your Yaspa pricing:

1. Count Your Payments
   – How many transactions do you process each month?
   – Example: 100, 500 or 1,000 payments.
2. Know Your Average Payment Size
   – Small ticket (under £20) or large ticket (over £200)?
   – This helps you choose between flat fees and percentage fees.
3. Pick a Fee Model
   – Flat fee (approx. £0.20–£0.50 each) works best for high‑value payments.
   – Percentage fee (around 0.5%–2%) is often cheaper for low‑value, high‑volume sales.
4. Add Any Extras
   – Do you need real‑time payouts or account verification?
   – Plan for a small add‑on (roughly £0.10–£0.30 per extra service).

Example

• 200 payments at £50 each
• Flat fee: 200 × £0.30 ≈ £60/month
• Percentage fee: (200 × £50) × 1% ≈ £100/month

This simple approach gives you a quick range. You can repeat it with your own numbers to see if Yaspa fits your budget.

Why Finexer Is a Better Fit for UK Startups and SMEs

Finexer is designed specifically for small and growing UK businesses. It’s simple to get started, easy to manage, and built to keep your costs predictable.

✅ For Startups

• Start with no setup fees or extra costs during testing
• Go live 3x faster with quick access to UK bank connections
• Use only what you need with flexible, usage-based pricing
• Avoid complex onboarding and get dedicated support from day one

✅ For Small to Medium Businesses

• Get one platform for payments, bank data, and KYC tools
• Monitor everything from a single dashboard
• Use it without a large tech team or complex integrations
• Stay fully compliant with FCA-authorised infrastructure

✅ For Accounting and Finance Teams

• Sync with 99% of UK banks in real time
• Verify client income and bank accounts in seconds
• Offer a white-label experience for client onboarding
• Speed up reconciliations and reduce manual work

Is Yaspa the Right Fit for You?

Yaspa is a capable open banking provider with features like instant bank payments, account verification, and payout tools. But with no public pricing and custom quotes for every business, it’s difficult to know what you’ll actually pay until much later in the process.

For businesses that need clarity upfront, especially startups and growing UK teams, this can be a challenge.

On the other hand, Finexer offers a simpler path forward:

• Clear, usage-based pricing
• No setup costs for startups
• Fast onboarding with 99% UK bank coverage
• Tools for payments, data, KYC, and reconciliation, all in one place

So what’s the better fit?

• Choose Yaspa if your business operates in regulated sectors and you’re comfortable with custom onboarding and quote-based pricing.
• Choose Finexer if you’re a UK-based business that wants to move fast, keep costs predictable, and scale without overcommitting early on.