---
title: How does Yaspa work?
description: Overview of how Yaspa works in the US.
---

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1. [Yaspa help centre](https://support.yaspa.com/)
2. [User FAQs (USA)](https://support.yaspa.com/user-faqs-usa)

# How does Yaspa work?

## Yaspa is a payment platform which utilises open banking to enable instant bank payments directly from your bank account(s) to merchants.

When initiating payments through Yaspa, you provide access to your bank account information, which Yaspa uses to submit bank transfer transactions over ACH and real-time rails like RTP and FedNow.

The process is streamlined — no typing account and routing numbers, extra apps, or or Yaspa accounts are required — and your payment journey experience is smooth, fast and secure. This process is also known as an account-to-account (A2A) payment or Pay by Bank.

### Related Articles

- <http://www.yaspa.com/blog/why-should-i-pay-with-yaspa>[You can make a test payment yourself with a](https://www.yaspa.com/demo/)charitable[donation here](https://www.yaspa.com/platform/demo)

 

- [About Yaspa](https://support.yaspa.com/about-yaspa)
- [User FAQs (UK & Europe)](https://support.yaspa.com/user-faqs-uk-europe)
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- [Country-specific information](https://support.yaspa.com/country-specific-information)
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- [Getting started](https://support.yaspa.com/getting-started)
- [The onboarding process](https://support.yaspa.com/the-onboarding-process)
- [Integrating with Yaspa](https://support.yaspa.com/integrating-with-yaspa)
- [Using the dashboard](https://support.yaspa.com/using-the-dashboard)
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Yaspa is a registered trademark of Yaspa Limited. All rights reserved. © 2026 Yaspa Limited.  
Yaspa Limited is a company registered in England and Wales (number 09902175), and regulated  
by the Financial Conduct Authority as a payment institution (reference number 826720).

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