Commercial Variable Recurring Payments (cVRP)

A smarter way to collect recurring payments using Open Banking technology.

Collect recurring payments directly from customer bank accounts with the speed of Open Banking and the flexibility of modern billing.

Reduce payment processing costs
Eliminate card expiry issues
Give customers greater control
Support variable payment amounts
Built for utilities, housing, charities and public sector organisations

What is cVRP?

Commercial Variable Recurring Payments (cVRP) allow customers to authorise a business to collect future payments directly from their bank account within agreed limits. Unlike traditional recurring payment methods, payment amounts can vary while remaining under customer-approved controls.

Think of cVRP as combining:

Direct Debit

Recurring payments
Familiar customer journey
Trusted payment method

Open Banking

Instant bank payments
Real-time confirmation
Lower processing costs

The result is a more flexible way to manage recurring collections.

How cVRP works

Step 1: Customer selects Pay by Bank and agrees a recurring payment mandate.

Step 2: Customer authorises the mandate through their banking app.

Step 3: The business can collect future payments within agreed rules and limits.

Step 4: The customer remains in control and can review or withdraw consent through their bank.

Challenges with traditional recurring payments

Why businesses are looking beyond Direct Debit

Rising payment costs
Card expiry and replacement issues
Failed recurring card payments
Longer payment settlement cycles
Limited visibility over payment status

How cVRP helps

Real-time payment initiation
Faster settlement
Lower transaction costs
Reduced payment failures
Improved customer experience

Who can benefit from PayPoint cVRP?

Housing Associations

Collect rent and service charges through a simple Pay by Bank journey.

Housing

Energy & Utilities

Support variable monthly bills without requiring customers to manually approve every payment.

Energy & Utilities

Local Authorities

Simplify collection of council services, permits and recurring charges.

Local Authorities

Subscription Services

Manage flexible monthly billing models with greater payment certainty.

cVRP vs Direct Debit

cVRP and Direct Debit each have an important role. The right solution depends on your customer base, billing model and operational requirements.

Feature	cVRP	Direct Debit
Bank account payments	Yes	Yes
Variable amounts	Yes	Yes
Real-time authorisation	Yes	No
Instant payment confirmation	Yes	No
Settlement speed	Faster	Slower
Customer control in banking app	Yes	Limited
Open Banking enabled	Yes	No

Why cVRP matters now

Open Banking payments continue to grow rapidly in the UK
Industry participants are working together to establish commercial cVRP frameworks
Early use cases are focused on sectors including utilities, charities and government services
Broader adoption is expected across recurring payment and subscription models

Why PayPoint?

At PayPoint, we believe customers should be able to pay in the way that suits them best. That's why our multichannel payments platform brings together a range of payment methods into a single, seamless solution.

By combining multiple payment options, organisations can provide greater flexibility for customers, increase payment success rates, and simplify payment management through one trusted partner.

Available payment methods and solutions include:

Open Banking Payments

PayPoint OpenPay

Pay By Bank

Open Banking Payments

Open Banking Ecosystem Services

Customer Support Tool (AIS)

Confirmation of Payee (CoP)

Payer Name Verification

Direct Debit

Direct Debit Payments

Cards

Card Payments

PayByLink

Pay by Link

Cash Payments

App Payments

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