Yavrio
Yavrio is a London-based fintech that uses Open Banking APIs to connect Microsoft Dynamics 365 Business Central and Finance directly to banks, enabling real-time feeds, embedded payments, and automated reconciliation for 250+ enterprise and mid-market customers across 42 countries.
- Company typePrivate
- Founded2022
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Yavrio does
Yavrio Ltd is a London-based fintech founded in 2022 that provides Open Banking connectivity for enterprise resource planning (ERP) systems, with a native focus on Microsoft Dynamics 365 Business Central and Dynamics 365 Finance. Its platform connects ERP systems directly to banks via bank-grade secure APIs, delivering three core capabilities: real-time bank feeds that eliminate manual CSV imports, embedded payments (BACS, SEPA, Faster Payments, ACH, bulk, and cross-border via XE) executed directly inside the ERP, and one-click automated reconciliation using intelligent transaction matching. The offering is complemented by add-on modules for card payment acceptance and a UK Bacs bulk-payment product. Yavrio holds FCA registration (FRN: 974097) and operates through regulated infrastructure partners including Yapily (PSD2 AIS/PIS), Adyen (KYC/AML), and Sila (US EFT).
The company serves an enterprise and mid-market customer base of 250+ organizations across 42 countries, with bank coverage spanning 14,000+ institutions. Revenue is generated through monthly subscription fees billed in arrears, usage-based fees on certain plans, and supplemental professional services; pricing is not publicly disclosed and is quote-based. Distribution is primarily indirect through an extensive network of 20+ named Microsoft Dynamics partners (including Western Computer, LBMC, Forvis Mazars, ABC Consulting Group, Infinity Group, and JourneyTEAM), supplemented by direct enterprise sales and self-service installation via Microsoft AppSource. Yavrio has raised $2.4 million in seed funding (January 2025) led by Fuel Ventures, with the round explicitly directed at US market expansion and infrastructure scaling, and has been recognized in CNBC/Statista's UK's Top Fintechs 2025 and as winner of the Embedded Finance & Open Banking Award at Payments Awards 2025.
Yavrio firmographics
Firmographics- Name
- Yavrio
- Legal name
- Yavrio Ltd
- Website
- https://yavr.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Yavrio is a London-based fintech that uses Open Banking APIs to connect Microsoft Dynamics 365 Business Central and Finance directly to banks, enabling real-time feeds, embedded payments, and automated reconciliation for 250+ enterprise and mid-market customers across 42 countries.
- Ownership category
- akta.pro rank
Yavrio industry classification
Industry- Product category
- Open Banking ERP Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)
- akta.pro secondary industries
- A2A Reconciliation, Reporting & Treasury Ops (FSAMAFAJ), Recurring Payments & Variable Recurring Payments (VRP) Enablement (FSAGACAJ), Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH)
Keywords
Where Yavrio is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Yavrio business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Subscription Fees: Monthly subscription-based pricing model. Subscriptions are charged on the last day of the calendar month for that month's usage in arrears. Monthly usage is not pro-rated, so licences marked as active on any day of a given month will be billed for that month.
- Professional Services: Supplemental professional consulting services performed by Yavrio's employees or contractors, as specified in Order Documents.
- Usage-based Fees: Some subscription plans may include usage-based fees based on volume of service usage, invoiced based on the Order Document.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard monthly subscription with usage-based pricing |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Yavrio product offering
Product offeringCore offering
Yavrio is an open banking fintech platform that connects Microsoft Dynamics 365 Business Central and Finance ERP systems directly to banks via Open Banking APIs. It delivers real-time bank feeds, automated reconciliation, and embedded domestic and international payments inside the ERP, eliminating manual CSV imports and replacing fragmented banking workflows with bank-grade API connections.
Product overview
Yavrio is an open banking fintech platform providing seamless bank connectivity for ERP systems. The core platform consists of Bank Feeds (real-time transaction data via Open Banking APIs), Embedded Payments (domestic and international payments within ERP), and Automated Reconciliation (intelligent transaction matching). These core products are complemented by Card Payments add-on for accepting card transactions, Yavrio Global Payments (powered by XE) for international FX transactions, and Yavrio Bacs for UK bulk payments. The platform is built natively inside Microsoft Dynamics 365 Business Central and Finance, supporting 14,000+ banks across 42 countries.
Differentiator
Problem solved
Functional benefit
Products and services
- Bank Feeds Real-time bank transaction feeds that sync bank transactions directly into Microsoft Dynamics 365 Business Central and Finance via secure Open Banking APIs, eliminating manual CSV uploads. Target users are finance teams running on Microsoft Dynamics 365 ERP.
- Embedded Payments Execute domestic and international payments directly within Microsoft Dynamics 365, supporting BACS, SEPA, Faster Payments, ACH, bulk payments, and cross-border payments via bank-grade API connections. Built for finance teams on Business Central and D365 Finance.
- Automated Reconciliation (Magic Bank Rec) One-click account reconciliation module that pulls bank statements directly into Microsoft Dynamics 365 and automatically matches transactions using intelligent auto-matching logic for faster month-end close. Used by ERP finance teams to reduce reconciliation time.
- Card Payments Accept card payments directly within Microsoft Dynamics 365 Business Central via secure payment links with automated reconciliation of card payments, fees, refunds, chargebacks, and payouts. Built for ERP-based businesses seeking in-ERP card acceptance.
- Yavrio Global Payments (powered by XE) International cross-border payments embedded in Microsoft Dynamics 365 via Xe (Currency Exchange)'s global network, enabling users to send, manage, and track cross-border payments with FX handling directly inside ERP finance workflows.
- Yavrio Bacs UK bulk payment solution that leverages BACS payment rails with technology enhancements and seamless Microsoft Dynamics 365 Business Central integration, enabling unlimited UK domestic payments from within the ERP.
Quantifiable outcome
- 25% reduction in reconciliation time
- +3 more outcomes
Companies that use Yavrio
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles2 records
Yavrio technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability3 records
Feature7 records
Yavrio partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered channel partner, core infrastructure partner, regional partner, product enhancement partner, platform partner and channel partners.
- Codecchannel partnerMicrosoft Dynamics partner that formed partnership with Yavrio to offer open banking solutions to their clients.
- Yapilycore infrastructure partnerOpen banking and PSD regulated services provider. Yapily Connect Ltd is authorized and regulated by the UK Financial Conduct Authority, and Yapily Connect UAB is regulated by the Bank of Lithuania. Acts as independent data controller for Account Information Services (AIS) and Payment Initiation Services (PIS).
- Adyen N.V.core infrastructure partnerPayment acceptance and platform services provider. Acts as independent data controller for payment processing, transaction monitoring, and regulatory compliance including KYC and AML checks.
- Sila Inc.regional partnerUS electronic fund transfers provider. Services enabled by Yavrio Inc., which contracts with Sila and acts as data controller for use of Sila's regulated services. Sila Inc. acts as independent data controller for onboarding, identity verification, and payment processing.
- XE (Currency Exchange)product enhancement partnerPowers Yavrio Global Payments for international payments. Embedded integration lets users send, manage and track cross-border payments directly within Dynamics 365 via XE's global network.
- Microsoftplatform partnerNative integration with Microsoft Dynamics 365 Business Central and Finance. Listed on Microsoft AppSource. Built inside Business Central as an extension.
- Microsoft Dynamics Partnerschannel partnersNetwork of Microsoft Dynamics partners including City Dynamics, ABC Consulting Group, Western Computer, Xpedition, TruNorth, Tecman, Intelegain, Synergy Technology, LBMC, TMC, Integrato, Infinity Group, Rand Group, Node4, Dynavics, Forvis Mazars, SimplyBC, JourneyTEAM, and others who resell and implement Yavrio.
Scale indicators8 records
Recent moves6 records
Expansion highlights7 records
Yavrio competitors and assessment
Company assessmentDirect peers
- Plaid: Plaid is a leading Open Banking/data connectivity platform providing bank feeds, account verification, and payment initiation APIs. While US-focused and ERP-agnostic, its core capability (secure bank-to-application data and payment rails) is the same problem Yavrio solves inside Microsoft Dynamics 365.
- Yapily: Yapily is a UK/EU Open Banking aggregator providing Account Information Services and Payment Initiation Services APIs. Yapily is a current infrastructure partner of Yavrio but also operates in the same Open Banking connectivity space and could plausibly move up the stack to compete with Yavrio's ERP-native offering.
- TrueLayer: TrueLayer is a UK-based Open Banking API platform for bank data and payments. It targets fintechs and merchants with similar bank-feed and payment-initiation functionality, overlapping directly with Yavrio's core capability set.
- Tink: Tink (owned by Visa) is a European Open Banking platform providing account data, payment initiation, and personal financial management APIs. It operates in the same bank-connectivity category as Yavrio, with much broader capital backing.
- Finicity (Mastercard): Finicity, now part of Mastercard, provides Open Banking connectivity, financial data aggregation, and cash flow underwriting APIs. It competes with Yavrio at the bank-data-aggregation layer, particularly in the US where Yavrio is now expanding.
- Token.io: Token.io is an Open Banking payments platform enabling account-to-account payments and bank data connectivity. Its open banking payment initiation and AIS/PIS capabilities overlap directly with Yavrio's Embedded Payments and Bank Feeds products.
Emerging players
- Trovata: Trovata is a cash management and treasury automation platform that ingests bank transaction data to deliver cash visibility, forecasting, and reconciliation. While it is broader in scope (treasury) and lighter on payment execution, it overlaps with Yavrio's reconciliation and cash-position use cases.
- BILL (formerly Bill.com): BILL provides AP/AR automation, bill payment, and cash flow management, often integrating with accounting/ERP systems. Its payments-and-reconciliation functionality inside accounting workflows is a partial substitute for Yavrio's embedded payments and reconciliation stack.
Broad incumbents
- Sage: Sage is a major UK-headquartered ERP/accounting software vendor that offers its own banking and payment functionality inside its products. As a broad incumbent with deep ERP presence, Sage is a natural competitive threat to Yavrio's Microsoft Dynamics 365 niche.
- HighRadius: HighRadius is an order-to-cash and treasury automation platform with bank reconciliation, cash forecasting, and payments capabilities that integrate with major ERPs (including SAP, Oracle, NetSuite). It represents a larger, more established adjacent competitor in the ERP-banking automation space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights8 records
Customer concentration
Yavrio social profiles
Digital presenceYavrio compliance and trust
Trust signalCompliance3 records
Yavrio financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yavrio leadership team
Management profileNumber of profiles
Profiles1 record
Yavrio funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yavrio M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yavrio
What does Yavrio do?
Yavrio is an open banking fintech platform that connects Microsoft Dynamics 365 Business Central and Finance ERP systems directly to banks via Open Banking APIs. It delivers real-time bank feeds, automated reconciliation, and embedded domestic and international payments inside the ERP, eliminating manual CSV imports and replacing fragmented banking workflows with bank-grade API connections.
Is Yavrio a public or private company?
Yavrio is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yavrio founded?
Yavrio was founded in 2022. It employs 11 to 50 people.
Where is Yavrio based?
Yavrio is headquartered in London, United Kingdom, in the Europe region.
How does Yavrio make money?
Three revenue lines are on record. Subscription Fees are the primary driver. The others are professional Services and usage-based Fees.
Who are Yavrio's main competitors?
Direct peers on record are Plaid, Yapily, TrueLayer, Tink, Finicity (Mastercard) and Token.io. Emerging players are Trovata and BILL (formerly Bill.com). Broad incumbents are Sage and HighRadius.
Does Yavrio have an API?
Yes. Yavrio provides an API-driven open banking platform that enables real-time bank-ERP integrations. The platform offers secure API connections for bank feeds, payment initiation, and account information services. Available via Yapily for open banking services (AIS and PIS). Developer documentation is at Not specified.
What industry is Yavrio in?
Yavrio's product category is Open Banking ERP Software. Its primary akta.pro industry code is FSAGALAL, Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting), with a secondary code of FSAMAFAJ, A2A Reconciliation, Reporting & Treasury Ops. Its NAICS code is 522320 and its SIC code is 6199.