{"id":"8d97f6d3-5e0e-4cd8-bd2d-660509a5351a","task":"Implement UK Open Banking VRP non-sweeping (commercial cVRP) consent via the OBIE VRP standard for subscription billing","domain":"banking-general","steps":["Obtain the VRPType=Other (non-sweeping) permission from the ASPSP; note that commercial VRP requires bilateral agreement with the ASPSP beyond standard open banking registration","Create the domestic-vrp-consents resource with ControlParameters specifying MaximumIndividualAmount, MaximumMonthlyPaymentAmount, PeriodicLimits, ValidFromDateTime, ValidToDateTime, and CreditorAccount locked to your merchant account","Redirect the PSU through the ASPSP's SCA authentication flow; capture the consent ID and confirmation that the PSU has authorised the mandate","Store the refresh token or long-lived consent token; access tokens are short-lived but the consent persists — use the consent ID to initiate individual payments without per-payment SCA","Initiate each VRP payment by POSTing to domestic-vrp-payments referencing the ConsentId; enforce that InstructedAmount is within the ControlParameters before calling the API","Monitor the consent status via GET domestic-vrp-consents/{ConsentId}; handle Revoked status (PSU cancelled in their bank app) and Expired status gracefully"],"gotchas":["Commercial VRP is not available through the standard open banking directory alone — you need a bilateral contract with each ASPSP, and coverage is currently limited to specific UK banks","ControlParameters are enforced by both your side and the ASPSP; if you submit a payment that exceeds PeriodicLimits the ASPSP will reject it — pre-validate client-side to avoid unnecessary API errors","The PSU can revoke the mandate at any time from their bank's app without notifying you directly; poll consent status before each payment or handle the revoked-consent error response"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/8d97f6d3-5e0e-4cd8-bd2d-660509a5351a"}