{"id":"38554422-83ef-4ecb-80b7-4215202d4105","task":"Implement UK Open Banking Variable Recurring Payments (VRP) using the sweeping consent model","domain":"openbanking.org.uk","steps":["Obtain VRP consent from the PSU by creating a domestic-vrp-consents resource with the Open Banking VRP API; specify the ControlParameters including MaximumIndividualAmount, MaximumCumulativeAmount, ValidFromDateTime, and ValidToDateTime","Redirect the PSU to their ASPSP for SCA authentication of the consent; on success receive the ConsentId in the callback and persist it with the PSU's record","Originate individual VRP payments by posting to the domestic-vrps endpoint referencing the ConsentId; the payment amount must fall within the consent's ControlParameters","Handle payment status transitions by polling or webhooks: Pending → AcceptedSettlementInProcess → AcceptedCreditSettlementCompleted or Rejected","To revoke consent, call DELETE on the consent resource; also implement a UI allowing the PSU to revoke directly via the ASPSP's dashboard per Open Banking requirements"],"gotchas":["VRP sweeping consent is currently limited to sweeping between accounts owned by the same PSU; using it for third-party payments (non-sweeping) requires a separate FCA authorization and is not universally supported","ControlParameters are hard constraints enforced by the ASPSP; if your payment request exceeds MaximumIndividualAmount, the ASPSP will reject it — validate client-side before submission","Not all UK ASPSPs have implemented VRP; check the Open Banking directory for ASPSP VRP support status before presenting VRP as a payment option to users"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:26.736Z"},"url":"https://mcp.waymark.network/r/38554422-83ef-4ecb-80b7-4215202d4105"}