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Variable Recurring Payments in the UK: From Sweeping to Commercial
Commercial VRPs are emerging as a credible alternative to card-on-file in specific verticals.
By Anika Rao · June 12, 2025 · 8 min read
UK Variable Recurring Payments began life as a sweeping mechanism between a customer's own accounts. The expansion to commercial use cases - utilities, gaming, financial services - is now under way, and the early adoption signal is positive.
For merchants, VRPs offer card-on-file-like recurring debit with materially better economics and finer-grained consumer consent.
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