About VRP

Variable Recurring Payments (VRP) allow users to authenticate once, and then make future payments without the need for additional authentication. VRP is an extension of our payment solution that powers one-off or recurring transactions into bank accounts across a wide range of industries, from Fintech to eCommerce.

We offer this as a standalone services. But it works best with our Verification and Data solutions, and our full range of payment options including instant refunds.


VRP product features
User Friendly
User Friendly

End users have the option to enable or revoke VRP consent at any time

High Conversion
High Conversion

Plaids flow is built for conversion and allows users to make payments without the need to re-authenticate

Real-time settlement
Real-time settlement

No need to wait for funds to settle; Variable Recurring Payments settle instantly and in real-time

Reduce fraud
Reduce fraud

Strong customer authentication (SCA) is used directly with banks, reducing unauthorised consent

Reduce customer churn
Reduce customer churn

Cards on file often expire, get lost or stolen. VRP solves this problem


Lower costs
Lower costs

Avoid hefty card processing fees, chargebacks and reversals


VRP Use cases

Automated financial goals
Automated financial goals

End users set financial goals, personal finance management applications then automatically transfer funds from other accounts to help end users reach those goals.


One click payments
One click payments

End users authenticate once, then they can use VRP for one click payments that settle instantly. 


Smart repayments for loans, overdrafts or credit cards
Smart repayments for loans, overdrafts or credit cards

VRPs can be used to help with overdrafts and loans. This will allow users to automatically pay off their outstanding overdraft in one account from another account with a positive balance.

Intelligent Savings
Intelligent Savings

VRPs can encourage savings, whereby VRP helps to automatically move excess funds from one account to a high interest savings account.



What will you build with VRP?

Our Sales team can help you find the right solution. Fill out the form and we’ll get in touch shortly.

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    Product features
    Implement easily
    Implement easily

    Clear guidelines help technical teams of all sizes streamline and validate a successful API integration in about 6 to 8 weeks.

    Meet customer needs
    Meet customer needs

    Retain your role as their primary financial partner by allowing them to connect to their fintech apps and services.

    Support emerging technology
    Support emerging technology

    Support emerging technologies like cryptocurrency use cases that may not yet be covered by FDX.

    Product Features
    Comprehensive product suite
    Comprehensive product suite

    Choose from one of three methods to securely verify income and employment: payroll, bank, or document uploaded data.

    Robust data pulls
    Robust data pulls

    Get direct access to structured, easy-to-process, and comprehensive identity, employer, and gross and net income data.

    Complete consumer coverage
    Complete consumer coverage

    Cover ~85% of the US workforce via payroll providers, connect with 12,000+ data partners, and get document coverage for pay stubs, W2, and 1099s.