Ozone API has launched a dedicated commercial Variable Recurring Payments product for UK banks and payment service providers that sit outside the CMA9 mandatory compliance group. The company says any institution can go live with a fully OBL 4.0-compliant cVRP infrastructure in 8 to 10 weeks via its Ozone Connect integration layer, with no internal build required and no need for a dedicated standards-monitoring team.

The timing is deliberate. The UK Payments Initiative, a 31-organisation consortium that includes NatWest Group , Nationwide , Monzo , Mastercard Open Banking Services , GoCardless , TrueLayer , Yapily and Plaid , is operational in 2026 and has positioned itself as the first new UK payment scheme since 2008. Visa A2A is simultaneously onboarding its first wave of financial institution partners. Both initiatives require OBL 4.0 in production as a prerequisite for participation.

Only the nine largest UK banks are mandated to implement OBL 4.0. Every other UK bank and PSP faces a voluntary decision. In practice, an internal implementation typically takes six to twelve months, followed by ongoing engineering effort to track and apply successive updates as the standard evolves. Ozone API’s proposition is that it removes that overhead entirely by managing the standard lifecycle on behalf of the institution.

0 and OpenID Connect, automated consent management with full audit logging, a multi-environment developer sandbox with synthetic data, and certificate and credential management. Standards updates are applied automatically once an institution is live. The product is available as cloud SaaS or on-premise and carries ISO 27001:2022 and SOC 2 Type 2 certification.

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