{"id":"af99c37b-f177-4fa0-a1dc-bc03c72314bc","task":"Initiate a Yapily single domestic payment using the Payments API v1 with redirect authentication","domain":"docs.yapily.com","steps":["Create an application in the Yapily Dashboard and note the application_uuid and application_secret; ensure your application has payment initiation enabled and is associated with a PISP licence or use Yapily Connect for licence-free access","POST /payment-auth-requests with a body containing applicationUserId, institutionId (the target bank), and paymentRequest (type: DOMESTIC_PAYMENT, paymentIdempotencyId, amount, currency, reference, payee sort code and account number)","Receive an authorisationUrl in the response; redirect the user to this URL where they authenticate with their bank and approve the payment","After the user is redirected back to your redirectUri, capture the consent query parameter from the URL; POST /payments with this consent token and the original paymentRequest to execute the payment","Poll GET /payments/{paymentId} or listen for the Yapily webhook event PAYMENT_EXECUTED to confirm the payment status; handle PENDING, COMPLETED, and FAILED statuses with appropriate user messaging","Implement idempotency using paymentIdempotencyId: reuse the same value if retrying after a network failure; Yapily will return the existing payment rather than creating a duplicate"],"gotchas":["Yapily's institutionId values differ from Open Banking registration names; use GET /institutions to fetch the current list and match to your user's bank — hardcoding institution IDs breaks when Yapily updates their catalogue","The consent token from the redirect is short-lived; do not delay the POST /payments call after receiving it — the window is institution-specific but is typically measured in minutes","Payment initiation requires a valid PISP licence in each jurisdiction; Yapily Connect allows access without a direct licence but routes via Yapily's own licence, which constrains the commercial model — confirm the arrangement before going to production"],"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":"2026-06-13T18:44:23.292Z"},"url":"https://mcp.waymark.network/r/af99c37b-f177-4fa0-a1dc-bc03c72314bc"}