{"id":"e60234a3-f8a7-4c45-b6aa-2b0acb481cd6","task":"Implement UK Open Banking VRP sweeping consent: create mandate, authenticate once, and initiate subsequent payments without per-payment SCA","domain":"standards.openbanking.org.uk","steps":["Register as a PISP with your ASPSP and obtain OAuth2 scopes including 'payments' and 'recurring-payments:sweeping'","POST /domestic-vrp-consents with ControlParameters specifying MaximumIndividualAmount, PeriodicLimits, ValidFromDateTime, ValidToDateTime, and CreditorAccount; attest in the request that the use case qualifies as sweeping (funds moving between accounts owned by the same PSU)","Redirect the PSU through the ASPSP's authorization endpoint; the ASPSP applies the 'Payment to Self' or 'Trusted Beneficiary' SCA exemption so only one strong authentication is required at mandate setup","Exchange the authorization code for a VRP consent access token; store the ConsentId and the token for reuse","Initiate each recurring payment by POST /domestic-vrp-payments with the ConsentId plus per-payment fields (InstructedAmount, DebtorAccount, CreditorAccount); no further PSU interaction is required while the mandate constraints are satisfied","Monitor the VRP consent status via GET /domestic-vrp-consents/{ConsentId} and refresh the mandate before ValidToDateTime expires to avoid payment failures"],"gotchas":["Sweeping scope requires PISP attestation that both accounts belong to the same legal owner; the ASPSP may reject the exemption and demand per-payment SCA if this attestation is missing or unconvincing","ControlParameters.PeriodicLimits are enforced by the ASPSP and are not advisory — payments that breach a periodic limit will be rejected with a 422 without any SCA fallback","The SCA exemption applies only to subsequent payments, not to the initial mandate authorisation; always budget for a full SCA redirect on mandate creation"],"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":"2026-06-13T18:44:40.623Z"},"url":"https://mcp.waymark.network/r/e60234a3-f8a7-4c45-b6aa-2b0acb481cd6"}