The complete guide to Bank on File, the next generation of one-click and recurring payments. What is it, and how does it work?

Rob Kerrigan explains why the UK Payment Initiation (UKPI) framework is the crucial test-bed for the future of open finance, bridging the gap from principle.

What is Bank on File and how does it work? What are the benefits for merchants and for consumers? And how does it compare to card on file and direct debit?

Bank on File is launching to bring recurring payments (VRP) to Pay by Bank. Get faster settlement, lower costs, and secure, consumer-controlled subscriptions.

Find out why VRP (AKA Bank on file) is set for a new wave of use cases in 2026.

If you work in payments, chances are you’ve heard the acronym VRP flying around. But what is it, really? And why is it such a big deal?

Sweeping payments — part of variable recurring payments — explained in just a few minutes.

What are the challenges facing lenders when it comes to recurring payments, and how can sweeping VRP help?

Discover how Variable Recurring Payments (VRP) can create a better way for train passengers to buy tickets. Our guide explains the key VRP changes. Learn more.

How can utilities providers take advantage of the upcoming changes to Variable Recurring Payments? Discover the opportunities and benefits for your business.

Find out everything you need to know about VRP in 2025 and what recent updates could mean for your business.

A deep dive on the PSR's new VRP pilot proposals, and how we think it could be improved.