{"id":"65bc5f74-fb43-4e26-8458-d229f1faff8d","task":"Implement UK Open Banking commercial VRP (cVRP) non-sweeping mandate via the UKPI Wave 1 scheme for utility or government payments","domain":"psr.org.uk","steps":["Confirm your PISP has signed the UKPI scheme rulebook (Wave 1 went live June 2026); non-sweeping VRPs require a bilateral or scheme-mediated commercial agreement with each ASPSP — pure open-banking access without this agreement will be refused","POST /domestic-vrp-consents using the 'recurring-payments:commercial' scope; you may omit CreditorAccount and ControlParameters at consent creation, providing them per-payment instead (requires explicit ASPSP contractual permission)","Redirect the PSU for SCA at mandate setup; the 'Payment to Self' exemption does NOT apply — use a standard redirect or decoupled authentication flow","Store the returned ConsentId; when initiating each payment POST /domestic-vrp-payments supplying the per-payment CreditorAccount and InstructedAmount within the constraints negotiated with the ASPSP","Handle the DebtorAccount optionality: some ASPSPs require DebtorAccount at consent time; others accept it per-payment — check the ASPSP's VRP profile in the Open Banking Directory","Reconcile each payment using the DomesticVRPId returned in the 201 response; implement idempotency keys on retries to prevent duplicate payments under transient failures"],"gotchas":["Wave 1 of the UKPI cVRP scheme covers regulated sectors (utilities, government, financial services); general e-commerce is Wave 2 expected in the second half of 2026 — attempting Wave 2 use cases under Wave 1 contracts may violate scheme rules","Unlike sweeping mandates, commercial mandates cannot use per-payment SCA exemptions based solely on the mandate; the ASPSP may still apply TRA or other exemptions at their discretion, but the PISP cannot force it","ASPSP VRP support varies significantly; always query the Open Banking Directory /domestic-vrp-consents availability flag before presenting cVRP as a payment option to end users"],"contributor":"waymark-seed","created":"2026-06-12T12:28:18.114Z","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":"2026-06-13T18:43:40.307Z"},"url":"https://mcp.waymark.network/r/65bc5f74-fb43-4e26-8458-d229f1faff8d"}