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Payment Systems Regulator
  • About us
    • The PSR Strategy
    • Annual Plans and Budgets
    • Annual Report and Accounts
    • The PSR Executive Team
    • PSR governance
    • The PSR purpose
    • How the PSR is funded
    • How the PSR Panel works
    • Background to the PSR
    • Jobs at the PSR
    • Diversity, Equity and Inclusion
    • Frequently asked questions
    • Contact us
      • General enquiries
      • Complaints against the PSR
  • How we regulate
    • Regulatory framework
      • Legislation
      • General directions
      • Specific directions
      • Powers and procedures guidance
      • Written guidance
    • Who we regulate
    • Governance of payment systems
    • Financial Services and Markets Act 2023
    • Competition
    • Decision making committees
    • Memorandums of understanding
    • Working with other regulators
    • When you make a payment
    • Payment systems explained
  • Our work
    • Access to cash
    • Market reviews
    • Card payments
    • Innovation
    • APP scams
    • New Payments Architecture (NPA)
    • Strategy, Analysis and Engagement
    • Open Banking - Joint Regulatory Oversight Committee
    • Account-to-account payments
    • Research with consumers and SMEs
    • Access to payment systems
    • PSR work plan
  • Information for firms
    • Supervision
    • Complying with our rules
    • Enforcement
    • Complaints and disputes
  • Information for consumers
    • Ways of paying
    • How we help you
    • Our vision for payments
    • About the PSR
    • APP fraud performance data
    • APP fraud reimbursement protections
    • Warning - fraudsters posing as PSR employees
    • Unmasking how fraudsters target UK consumers in the digital age
  • News and updates
    • Latest news
    • Thought pieces
    • Innovation series
    • Speeches
    • Events
  • Publications
    • Consultations
    • Annual Plans and Reports
    • Market reviews
    • Policy statements
    • Corporate information
    • Legal directions and decisions
    • Forms
    • PSR News
    • Access and governance reports
    • Working group and forum documents
    • Open letters
    • PSR Strategy documents
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  • Home
    • About us
      • The PSR Strategy
      • Annual Plans and Budgets
      • Annual Report and Accounts
      • The PSR Executive Team
      • PSR governance
        • Board Minutes
        • Senior Managers Regime
        • Executive Director and Executive Team expenses
        • Non-Executive Director Expenses
      • The PSR purpose
      • How the PSR is funded
      • How the PSR Panel works
      • Background to the PSR
      • The Policy Statement
      • Corporate responsibility
      • COVID-19 - updates
      • Jobs at the PSR
      • Diversity, Equity and Inclusion
      • Frequently asked questions
      • Contact us
        • General enquiries
        • Complaints against the PSR
          • Remedies
    • How we regulate
      • Regulatory framework
        • Legislation
        • General directions
        • Specific directions
        • Powers and procedures guidance
        • Written guidance
      • Who we regulate
      • Governance of payment systems
      • Financial Services and Markets Act 2023
      • Competition
      • Decision making committees
      • Memorandums of understanding
      • Working with other regulators
      • When you make a payment
      • Payment systems explained
      • The UK's ATM network
      • Payment System Operator Delivery Group
    • Our work
      • Access to cash
        • A history of our work on access to cash
        • Access to cash coverage statistics
          • Access to cash coverage in the UK 2023 Q2
          • Access to cash coverage in the UK 2023 Q1
          • Access to cash coverage in the UK 2022 Q4
          • Access to cash coverage in the UK 2022 Q2
          • Access to cash coverage in the UK 2022 Q1
          • Access to cash coverage in the UK 2021 Q4
          • Access to cash coverage in the UK 2021 Q3
          • Access-to-cash-coverage-in-the-UK-2021-Q2
        • Frequently asked questions
        • Access to cash - long term solutions and COVID-19
          • Access to cash: long-term solutions
          • Update on our work supporting cash access during the COVID-19 pandemic
          • Access to cash during Covid-19: identifying and managing temporary gaps in provision
      • Market reviews
        • Market review into the supply of card-acquiring services
        • Market review into card scheme and processing fees
        • Market review into cross-border interchange fees
      • Card payments
        • The IFR
        • The IFR and Brexit
        • The IFR and consumers
        • The IFR and merchants
      • Innovation
      • APP scams
        • APP scams publications
        • Deadlines for firms
        • Policy clarifications
        • If you've fallen victim to a scam
        • The Contingent Reimbursement Model (CRM) Code
        • Confirmation of Payee
          • Confirmation of Payee Group 2 Payment Service Provider List
          • Confirmation of Payee: Requirements under Specific Direction 17
        • Our APP scams performance data reports
        • A history of our work to prevent APP scams
      • New Payments Architecture (NPA)
      • Strategy, Analysis and Engagement
      • Joint Regulatory Oversight Committee
      • Account-to-account payments
      • Our research
      • Access to payment systems
      • PSR work plan
    • Information for firms
      • Supervision
      • Complying with our rules
        • Card-acquiring market review directed firms
      • Enforcement
        • Enforcement cases
      • Complaints and disputes
        • Complaints
        • Which? super-complaint on payment scams
        • Disputes
        • Super-complaints
        • Complaints specific to the Payment Services Regulations 2017
    • Information for consumers
      • Ways of paying
      • How we help you
      • Our vision for payments
      • About the PSR
      • APP fraud performance data
        • APP fraud performance data 2023 - tables
      • APP fraud reimbursement protections
      • Warning - fraudsters posing as PSR employees
      • Unmasking how fraudsters target UK consumers in the digital age
    • News and updates
      • Latest news
        • News
          • Payment Systems Regulator appoints Ofgem’s Hannah Nixon as managing director
          • Legislative update: cheque imaging and payment systems access
          • The Payment Systems Regulator sets out how it will regulate the £75 trillion industry that underpins UK’s everyday financial activity
          • CP14/26: Regulatory fees and levies: policy proposals for 2015/16
          • PSR industry consultation event
          • PSR consultation event – watch in full
          • Developing the Payments Strategy Forum
          • Payment Systems Regulator completes leadership team with three senior appointments
          • Payments Strategy Forum working group confirmed
          • Latest legislative changes
          • Timeframe extended for responding to consultation on PSR fees
          • Tender for international comparisons of payment systems - research
          • New appointments to the PSR Board
          • Update on the Forum
          • PSR PS 15/2: Final Guidance - Competition Act 1998 & Market Reviews, Market Studies and Market Investigation References
          • Forum Documents
          • Forum starts work on issues raised by Payments Community
          • The application of the Interchange Fee Regulation in the UK
          • Provisional determination of card schemes that are subject to domestic interchange fee caps in the UK
          • Report shows PSR is opening up payment systems and helping new players enter the banking sector
          • Forum moves from set-up to implementation
          • The Forum updates the Payments Community - January 2016
          • Payments Community Roundtable Documents
          • PSR CP 16/1: The application of the Payment Accounts Regulations in the UK
          • Application of the IFR: phase 1 final guidance
          • Statement on indirect access and governance requirements for card payment systems
          • PS 16/2: The application of the Payment Accounts Regulations in the UK
          • Andrew Bailey appointed as Non-Executive Director to the PSR Board
          • PSR responds to perceptions survey
          • PSR responds to launch of the Payments Strategy Forum's draft strategy
          • PSR CP 16/4: Our approach to handling applications under sections 56 and 57 FSBRA
          • PSR CP16/5: Our proposed method for allocating the money we retain from financial penalties that we have imposed
          • Hannah Nixon's speech at the Payments Strategy Forum's Final Strategy launch event
          • PSR receives first application under section 57 FSBRA
          • Recruitment: non-executive director for the PSR board
          • Statement on card schemes subject to domestic interchange fee caps in the UK in 2017/18
          • Annual Plan Launch Event
          • Statement from the PSO Delivery Group
          • PSR annual plan launch event highlights
          • Regional stakeholder events: Leeds and Edinburgh
          • PSR goes on the road: regional events announced for Leeds and Edinburgh
          • John Griffith-Jones confirms plan to leave the PSR and FCA in March 2018
          • The PSR Panel announces appointment of six new members
          • Statement on card schemes subject to domestic interchange fee caps in the UK in 2018
          • Responses to CP 17/44: PSR regulatory fees
          • PSR decision on Faster Payments Scheme request to extend the date for compliance with PSR Specific Direction 3 on competitive procurement of central infrastructure
          • Consolidation of UK retail payment systems is now complete
          • HM Treasury publishes EU Exit Statutory Instrument for payment services and e-money
          • PSR's annual monitoring 2018: CASS's compliance with the Payment Account Regulations 2015
          • The PSR's 2018 information notices issued in relation to monitoring of article 5 of the EU Interchange Fee Regulation
          • HM Treasury publishes Payments Accounts (Amendment) (EU Exit) Regulations 2018: draft statutory instrument
          • New Head of Policy and Chief Economist start work at the PSR
          • PSR update on its market review into the supply of card-acquiring services
          • PSR and FCA Boards appoint new members to decision-making committees
          • PSR confirms market review into card-acquiring services
          • Hannah Nixon to leave the Payment Systems Regulator
          • Launch of PSR's Annual Plan 2019-20
          • PSR announces appointments to the PSR Board
          • PSR decision on Bacs request to extend the date for compliance with PSR Specific Direction 2 on competitive procurement of central infrastructure
          • Update on publication of the card-acquiring market review interim report
          • PSR's annual monitoring 2019: CASS's compliance with the Payment Account Regulations 2015
          • PSR update on its approach to the profitability analysis for its market review into card-acquiring services
          • The transformation of payments - Chris Hemsley gives inaugural speech as PSR Managing Director
          • Review of Specific Direction 8 (LINK)
          • PSR confirms changes to its board
          • Joint statement from the FCA, BoE, PRA, CMA, PSR on the launch of the Financial Services Regulatory Initiatives Forum 
          • Update on publication of the card-acquiring market review interim report March 2020
          • An update on the implementation of Confirmation of Payee
          • PSR and FCA respond to the CMA’s guidance on business cooperation under competition law
          • Supplier relief due to COVID-19
          • Update on our work supporting cash access during the COVID-19 pandemic
          • Update on our Call for input: Competition and Innovation in the UK's New Payments Architecture
          • PSR Board confirms appointment of non-executive director
          • The FCA’s and PSR’s joint approach to Access to Cash
          • PSR announces development of new strategy for a changing world
          • PSR confirms widespread implementation of name-checking system, Confirmation of Payee
          • Update on Annual Report and Accounts 2019/20
          • The Prescribed Persons (Reports on Disclosures of Information) Regulations 2017 Annual Report: 1 April 2018 – 31 March 2019
          • Our annual reports on whistleblowing disclosures
          • Consumer protection: Driving innovation and competition in real-time payments
          • PSR’s annual monitoring 2020: CASS’s compliance with the Payment Account Regulations 2015
          • New Chair of Payment Systems Regulator Panel confirmed
          • PSR quarterly update Summer 2020
          • PSR confirms appointment of Faith Reynolds as non-executive board director
          • Access to cash – FCA and PSR joint statement
          • PSR publishes new strategy designed to unlock the potential of UK payments
          • Payment Systems Regulator publishes Annual Report and Accounts for 2020/21
          • PSR’s annual monitoring 2021: CASS’s compliance with the Payment Account Regulations 2015
          • PSR completes review of protections for consumers making payments from one bank account to another
          • camr-final-publication
          • PSR updates Specific Directions 2 and 3 on Pay.UK to implement decisions on lowering risks to NPA delivery and publishes its response to the consultation on the new directions
          • Extension to Specific Direction 8
          • PSR launches new strategy setting out key priorities over next five years
          • The PSR fines five companies more than £33 million for cartel behaviour in the prepaid cards market
          • The PSR’s work on card fees
          • Aidene Walsh appointed Interim Chair of the PSR
          • The situation in Ukraine
          • PSR fines NatWest Group banks £1.82m for overcharging interchange fees on credit cards
          • Kate Fitzgerald appointed Interim Head of Policy of the PSR
          • PSR sets out plans to help UK retailers get better deals for card-acquiring services
          • PSR annual report highlights robust action and progress in protecting people
          • PSR publishes its response to the PSR Panel's Digital Payments Initiative
          • Bryan Zhang appointed Chair of Strategic Working Group for Open Banking
          • PSR’s annual monitoring 2022: CASS’s compliance with the Payment Account Regulations 2015
          • PSR sets out proposals to give greater protection against APP scams
          • PSR finalises plans to help businesses save money on card services
          • PSR directs 400 firms to introduce the payment protection measure, Confirmation of Payee
          • PSR fines Barclays bank £8.4m for breaking interchange fee rule
          • Chris Hemsley to be new CEO of UKRN alongside his role as PSR’s Managing Director
          • PSR takes steps towards greater transparency on APP scam data across banks and building societies
          • PSR's response to the Strategic Working Group’s final report on Open Banking
          • PSR responds to Treasury Select Committee's report on APP scam reimbursement
          • PSR sets out proposed plans for the reporting of Authorised Push Payment scams
          • PSR seeks views on papers for card scheme and processing fees market review
          • Chris Hemsley's speech on collaborating to fight APP fraud
          • PSR calls for views on how it determines financial penalties
          • PSR confirms appointment of two new senior advisers
          • PSR will publish data on how well customers are protected from scams
          • PSR publishes Annual Plan and sets out an evolving approach for 2023/24 as new ways of paying develop
          • PSR takes first step in implementing new APP scam reimbursement requirements
          • PSR responds to the Chancellor's launch of the Future of Payments Review 2023
          • PSR confirms the appointment of two new non-executive board directors
          • PSR's annual monitoring 2023: CASS's compliance with the Payment Account Regulations 2015
          • PSR responds to Which?, Age UK, National Trading Standards and Victim Support
          • PSR publishes final approach to imposing financial penalties
          • The Joint Regulatory Oversight Committee welcomes OBL’s submission of two data collection frameworks
          • PSR directions to start from 30 April 2015
          • The PSR is up and running
          • New Payment Systems Regulator puts customers and payments users at the heart of the £75 trillion UK payment systems industry
          • Payment Systems Regulator publishes annual report and accounts for year ending 31 March 2015
          • Payment Systems Regulator appoints Ruth Evans as chair of the Payments Strategy Forum
          • An update on our access work
          • Industry code of conduct for indirect access - our response
          • Payment Systems Regulator confirms members of the new strategy-setting Payments Strategy Forum
          • FCA and PSR Boards appoint new members to decision-making committees, including new chair and two deputy chairs
          • PSR meets important Forum milestone
          • CMA retail banking investigation - our response
          • Payments UK looking for views on industry code of conduct for indirect access
          • PSR sets out how it will regulate the new EU Interchange Fee Regulation in the UK
          • PSR appoints Paul Smith as Head of Policy
          • Banks should sell their stake in UK payments infrastructure to help increase innovation and competition
          • New report shines a light on the supply of indirect access to payment systems
          • PSR issues final guidance on EU payment card legislation
          • Statement on card schemes subject to domestic interchange fee caps in the UK
          • The year ahead: Payment Systems Regulator publishes annual plan
          • Financial services firms need to make merchant service charges more transparent, says regulator
          • Changes to PSR General Directions 2, 3 and 4
          • PSR responds to Bank of England plans to extend access to central bank money to non-banks
          • PSR statement on European Union referendum result
          • A year in review: PSR publishes its Annual Report
          • Access all areas: Supply of indirect access to payment systems improving says regulator
          • Statement regarding the acquisition of Vocalink by Mastercard Incorporated
          • Payments infrastructure needs reform, says regulator
          • Payment Systems Regulator receives super-complaint from Which? on safeguards in the market for push payments
          • PSR responds to updated code of conduct for indirect access
          • Chair announced for new delivery group to oversee proposed consolidation of Bacs, Faster Payments Service and Cheque and Credit Clearing Company
          • Payments industry going through biggest shake-up in a generation
          • PSR takes 'generational' step towards wholesale change of the payments infrastructure
          • PSR kick-starts industry-wide effort to tackle payment scams
          • Clarification on timetable for PSR fees
          • PSR sets out how it will identify payment system operators' role in tackling payment scams
          • 2017 set to be a record breaking year for access to payment systems
          • PSR publishes Annual Plan and outlines three new important pieces of work
          • Delivery plan announced for the consolidation of the operators of BACS, Faster payments Service and Cheque and Credit Clearing
          • PSR responds to Bank of England announcement on blueprint for new UK Real Time Gross Settlements service
          • PSR paves the way for competition in payment systems infrastructure
          • Simon Ricketts appointed as Non-Executive Director to the Payments Systems Regulator Board
          • Making a difference: Payment Systems Regulator publishes its annual report
          • PSR responds to Competition and Markets Authority’s approval to create New Payments Systems Operator
          • PSR responds to Bank of England announcement on extending access to RTGS accounts for non-bank payments service providers
          • PSR encourages all users of payment services to take part in the Payment Strategy Forum's consultation on the future of UK payments
          • Payment Systems Regulator welcomes appointment of first chair of New Payment System Operator
          • PSR issues public censure on Cheque and Credit Clearing Company Ltd
          • PSR consults on Regulatory Fees 2018/19
          • New Payment System Operator formed
          • PSR’s annual monitoring: CASS’s compliance with the Payment Account Regulations 2015
          • The PSR confirms how it will monitor and enforce new EU rules on access to payment systems
          • An update on our work to tackle payment scams
          • Payment Systems Regulator sets out progress on work to tackle payment scams
          • Our response to concerns about the future of Britain's free-to-use ATM network
          • Charles Randell CBE appointed new Chair of the Payment Systems Regulator
          • PSR responds to LINK’s announcement of changes to the UK’s ATM network
          • Payment Systems Regulator confirms plans to protect victims of payment scams
          • Another record year for access to payment systems; trend to continue into 2018
          • PSR responds to UK Finance's annual fraud figures for 2017
          • Payment Systems Regulator publishes Annual Plan 2018/19
          • Consolidation of UK Payment Systems Operators
          • Shaping the future of data in payment systems
          • PSR’s approach to financial services legislation under the European Union (Withdrawal) Act
          • Payment Systems Regulator comments on concerns about free-to-use ATM closures
          • Payment Systems Regulator responds to LINK's announcement on interchange rate implementation
          • 2017/18: A year of substantial progress
          • Payment Systems Regulator announces market review into card-acquiring services
          • PSR responds to LINK's first ATM Footprint Report
          • PSR responds to UK Finance's fraud data
          • PSR welcomes today’s publication of an industry code to protect consumers against authorised push payment (APP) scams
          • PSR responds to second Footprint Report from LINK
          • PSR responds to third ATM Footprint Report from LINK
          • PSR opens consultation for Confirmation of Payee
          • PSR responds to the interim Access to Cash Review
          • PSR welcomes major boost in protection from Authorised Push Payment scams, to begin in May 2019
          • Payment Systems Regulator welcomes Natalie Ceeney's review into access to cash
          • PSR responds to UK Finance’s annual fraud figures for 2018
          • PSR publishes Annual Plan 2019/20
          • PSR responds to HM Treasury's commitment to protecting cash access
          • Payment Systems Regulator opens follow-up consultation on Confirmation of Payee
          • PSR welcomes new industry code that protects people from APP scams
          • More improvements as new participants join payment systems
          • PSR annual report and accounts 2018-19: press release
          • Joint statement from the PSR, FCA, PRA and CMA about regulatory coordination
          • PSR publishes detailed research into how people and business access cash
          • PSR seeks feedback on its updated Powers and Procedures Guidance
          • Payment Systems Regulator sets date for implementation of Confirmation of Payee
          • PSR responds to LINK's new pilot and High Street Protected Scheme
          • Payment Systems Regulator Board announces Chris Hemsley as Managing Director
          • PSR to explore opening up access to data in the UK’s new payments architecture
          • PSR responds to Which?'s report on cash access
          • Payment Systems Regulator responds to UK Finance's local access to cash initiatives
          • PSR responds to Barclays’s announcement about the removal of cash withdrawal services from Post Office branches
          • Warning about fraudsters posing as PSR employees
          • PSR appoints Genevieve Marjoribanks as new Head of Policy
          • PSR seeks views on competition and innovation in the UK’s New Payments Architecture  
          • PSR revises Directions for regulated parties 
          • Payment Systems Regulator publishes Annual Plan and Budget for year 2020/21
          • PSR responds to the Lending Standards Board's summary report on the CRM code
          • The Financial Services Regulatory Initiatives Forum launches Grid to help financial firms’ planning
          • Payment Systems Regulator appoints two new senior advisers
          • PSR publishes updated Powers and Procedures Guidance (PPG) for regulated firms
          • PSR announces development of new strategy for a changing world 
          • Payment Systems Regulator publishes Annual Report and Accounts for 2019/20
          • PSR announces provisional findings of card acquiring market review
          • PSR consults on ways to reduce risks to the successful renewal of the UK’s interbank payment systems
          • The PSR plans to bolster protections in payments
          • Payment Systems Regulator publishes Annual Plan and Budget for 2021/22
          • The PSR provisionally finds five companies broke the law by engaging in cartel behaviour in the pre-paid cards market
          • PSR seeks views on next steps for all banks to deliver Confirmation of Payee
          • PSR appoints former BBC chief economist, Natalie Timan, to lead new Strategy Analysis and Monitoring division
          • Payment Systems Regulator sets out decisions for reducing risks to the successful renewal of the UK’s interbank payments infrastructure
          • The PSR and the PSR Panel Launches Digital Payments Initiative: Realising the Benefits of Digital Payments
          • PSR appoints two new Senior Advisers
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          • CoP Phase 2 response to call for views and APP update Oct 21
          • PSR announces plans to stop APP scams
          • PSR statement on card scheme fees
          • PSR outlines its proposal to ensure widespread coverage of Confirmation of Payee
          • Payment Systems Regulator publishes its regulatory framework for the New Payments Architecture (NPA)
          • PSR and the FCA respond to announcement from Cash Action Group (CAG)
          • Access to interbank payment systems continues to grow
          • PSR publishes remedies consultation for its card-acquiring market review
          • PSR finalises plans for the wider implementation of fraud prevention tool, Confirmation of Payee
          • Joint statement from HM Treasury, the PSR, FCA and CMA on the future oversight of Open Banking
          • PSR Annual Plan puts focus on improving confidence and choice for payment systems users
          • PSR welcomes the PSR Panel’s Digital Payments Initiatives report
          • PSR announces plans to make more financial firms provide Confirmation of Payee
          • PSR sets out the details for its work on card fees
          • PSR appoints Kate Fitzgerald as Head of Policy
          • PSR sets out final plans in its market reviews into card fees to protect businesses and consumers
          • PSR sets out initial thinking on the impacts of cross-border interchange fee increases
          • HM Treasury, CMA, PSR and FCA publish a joint statement to update on the future of open banking
          • Aidene Walsh confirmed as chair of the Payment Systems Regulator
          • Joint Regulatory Oversight Committee sets out recommendations for the next phase of open banking in the UK
          • PSR sets out changes to its fees structure for 2023/24
          • PSR appoints new General Counsel and Chief Operating Officer
          • FCA and PSR Boards appoint new members to decision-making committees
          • PSR completes new-look executive team with appointment of Oliver Hanmer as Head of Supervision and Compliance Monitoring
          • Joint Regulatory Oversight Committee sets out next steps to help UK open banking grow
          • PSR confirms new requirements for APP fraud reimbursement
          • Joint Regulatory Oversight Committee publishes commercial pricing principles for open banking
          • PSR responds to the Financial Services and Markets Bill receiving Royal Assent
          • PSR seeks views on recent changes to fees charged by card schemes
          • New annual report shows PSR’s positive impact in first year of its Strategy
          • PSR seeks views on APP fraud reimbursement limit and consumer standard of caution
          • PSR consults on how it will require firms to reimburse APP fraud victims
          • Update on publication of the cross-border interchange fees market review interim report
          • PSR welcomes High Court decision to dismiss NoteMachine judicial review
          • PSR publishes first APP scams performance report
          • PSR and FCA Boards appoint new members to Competition Decisions Committees
          • The PSR responds to the publication of the Future of Payments Review 2023
          • PSR provisionally proposes to cap cross-border interchange fees on credit and debit cards to protect UK businesses
          • Payment Systems Regulator appoints Dan Moore as new Head of Strategy and Intelligence
          • Joint Regulatory Oversight Committee highlights 2023 progress and sets out future UK open banking plans
          • PSR continues to take bold action on APP fraud as it publishes final reimbursement details ahead of 2024 implementation
          • PSR confirms the appointment of Lara Stoimenova as a new non-executive board director
          • PSR responds to UK Finance's latest fraud report
          • PSR publishes Annual Plan for 2024/25
          • JROC invites feedback on the Future Entity for UK open banking
          • PSR seeks views on its proposed approach to supervision
          • PSR proposes a high bar for granting extensions and exemptions to secure compliance with its rules
          • PSR consults on directing APP scams reimbursement for CHAPS payments
          • PSR provisionally finds that the cards schemes do not face effective competition in the supply of scheme and processing services to acquirers
          • PSR updates card-acquiring services directions to ensure right firms are captured
          • Chris Hemsley to take on new role outside the PSR
          • PSR Board confirms appointment of David Geale as Interim Managing Director
          • PSR confirms the appointment of Sheldon Mills as a new non-executive board director
          • PSR and FCA launch joint call for information on big tech and digital wallets
          • PSR finalises extensions and exemptions guidance for financial firms
          • PSR publishes latest APP scams performance report for 2023
          • PSR sets out next steps on expanding variable recurring payments in the UK
          • PSR confirms implementation date for APP scam protections as 7 October, and publishes high value APP scams review and consultation
          • PSR’s Annual Report reflects on an important year of delivery
          • PSR confirms its decision on APP scams reimbursement
          • New Chair of PSR Panel and Non-Executive Board Director Appointed
          • Groundbreaking new protections for victims of APP scams start today
          • PSR seeks feedback from businesses on card-acquiring remedies
          • Anti-fraud tool Confirmation of Payee expanded to hundreds of more firms
          • Joint statement from the PSR, FCA and Bank of England on the National Payments Vision
          • International Fraud Awareness Week: PSR research shows reimbursed fraud victims feel more vigilant about fraud risks, not less
          • PSR confirms competition concerns about cross border card fees and proposes price cap to protect UK businesses
          • New report from PSR shows how fraudsters exploit major platforms to scam consumers
          • PSR sets out updated strategy to deliver competition, innovation, and growth
          • PSR and FCA set out next steps for open banking
          • FCA and PSR report on digital wallets
          • PSR finds market isn’t working well for card scheme and processing services
          • PSR responds to Government's announcement about the future of payments regulation
          • PSR proposes remedies to improve the market for scheme and processing fees
          • Claire Simpson appointed interim Head of Policy
          • David Geale appointed Managing Director of the PSR and Executive Director for Payments and Digital Finance
      • Thought pieces
        • Thought pieces
          • How do you solve a problem like protections in interbank payments?
          • Why are interchange fees going up on UK-EU card transactions?
          • Unlocking account to account retail payments
          • Unlocking account-to-account retail payments – functional capability
          • Unlocking account-to-account retail payments – Ensuring an effective dispute process
          • Unlocking account-to-account retail payments – Access and reliability
          • Understanding digital barriers
          • Making law a reality – the Financial Services and Markets Act 2023
          • Making sure payment systems are fit to face unprecedented challenges
          • Getting the right outcomes for the victims of APP scams
          • The role of regulators in stimulating innovation
          • Innovation: the ancient process central to economic growth
          • Challenges to innovation
          • Was sliced bread really the best thing?
          • When market incentives fail consumers, the PSR must lead the way
          • From consultation to inclusive design – the power of lived experience
          • Competition... the final frontier?
          • Video - The role of competition and the need for regulation
          • Competition in Payments: One Size Does Not Fit All
          • Video - The role of innovation in promoting competition that benefits consumers
          • Should we maintain a cash system at any cost?
          • How do we ensure that people and businesses can make the payments they need and want to in all circumstances?
          • What's a payment worth to you?
          • Choosing how to pay: how it works in South Korea
          • If card payments are so good, why would I use anything else?
          • Dimensions of choice in payments
          • Competition - something to create benefits, not a benefit in itself
          • Supporting the successful renewal of the UK’s interbank payment systems
          • Successful leadership in a hybrid world
          • Crypto assets and the PSR
          • The PSR’s work on card fees: next steps
          • Unlocking account-to-account retail payments – competitive pricing
          • Why we're investigating card fees, the work we’re doing and how you can share your views with us
          • An introduction to our horizon scanning work
          • What is money, why does it matter to payments, and Lord Byron’s holiday…
          • PSR breakfast roundtable - Regulation and AI (Artificial Intelligence)
          • Making Variable Recurring Payments a Reality
          • First six months as Head of Supervision and Compliance Monitoring at the PSR
          • Update on our market review into cross-border interchange fees
          • In conversation with Oliver Hanmer
          • Ensuring our strategy is fit for the future
          • The impact of digital wallets: your chance to get involved
          • Bridging the gap: How we are helping consumers make the most of digital payments
          • The fight against fraud: confirmation of payee rolled out to hundreds of more firms
          • PSR breakfast session: Promoting innovation in payment systems - 24th October 2024
          • The PSR's response to the National Payments Vision
          • Our new compliance monitoring framework – what you need to know
          • Balancing costs and benefits unlocking better regulation
          • Next steps to APP scams reimbursement claims management system
          • Updating our timings for the APP scams claims management consultation
          • What’s changed in the payments landscape?
          • Regulating for growth: getting the balance right
          • The story so far: A snapshot of what we’ve seen since our APP scams reimbursement requirement went live
      • Innovation series
        • Innovation series
          • Innovation focus at the PSR
      • Speeches
        • Speeches
          • Genevieve Marjoribanks Pay360 keynote speech - 18 March 2021
          • Genevieve Marjoribanks Westminster eForum Policy Conference speech - 10 June 2021
          • pay360_chris-h_oct-2021
          • Chris Hemsley speech for Counter Fraud Conference on mitigating public sector fraud – 23 February 2022
          • Chris Hemsley Speech for Payments Leaders' Summit UK - 5 October 2022
          • Chris Hemsley Speech for Counter Fraud Conference: Collaboration - The Key to Tackling Fraud
          • Chris Hemsley: Speech on fighting authorised push payment fraud: a new reimbursement requirement - 7 June 2023
          • Kate Fitzgerald's speech at Open Banking Expo - 19 October 2023
          • Tessa Lyndon-Skeggs gives speech at Payments Leaders' Forum - 13 September 2023
          • Chris Hemsley's inaugural speech as the PSR's Managing Director - The transformation of payments
          • Genevieve Marjoribanks Payment Systems Innovation and Regulation Summit speech - 3 June 2020
          • Genevieve Marjoribanks Westminster Business eForum speech – 19 May 2020
          • Chris Hemsley's speech at the Westminster Business Forum - 23 January 2020
          • Chris Hemsley's speech at Which?'s Cash Summit - 12 June 2019
          • Matthew Cherry's speech for PSE Consulting Merchant Acquiring Conference, 14 November 2018
          • Hannah Nixon's keynote speech - Annual Plan 2018/19 launch event
          • Carole Begent’s speaker notes for the BLP and BIICL ‘Competition in Financial Services’ Conference
          • Hannah Nixon's speech at the Payments Strategy Forum event
          • Paul Smith's speech at the Payments Innovation Conference in South Africa
          • Hannah Nixon's speech at the New Payment System Operator Update
          • Paul Smith's speech at at the International Cards and Payments Conference 2017
          • Hannah Nixon's speech at the PSR's Annual Plan launch event 2017
          • The launch of ClearBank
          • The regulatory challenges ahead - speech by Hannah Nixon at the Westminster Business Forum
          • Hannah Nixon's keynote speech at the BBA Future of Payments Conference 2016
          • UK payments sector - a perfect storm for new ideas and innovation
          • Competition in the Payments Sector – a year in review of the PSR
          • Paul Smith's speech at the Building Societies Association
          • A tale of two market reviews
          • From paper to reality
          • Welcome from Hannah Nixon
          • Opening remarks from Ruth Evans, chair of the Payments Strategy Forum
          • The innovation challenge
          • PayExpo 2015 Future of Payments Summit - keynote speech by Mark Falcon
          • Mark Falcon's speech at the Association of Foreign Banks International Banking Conference
          • A new regulator for a new world
          • Payment systems: the regulatory challenge
          • The future of payment systems – and the PSR
          • Chris Hemsley - speech given at the Lending Standards Board's industry event - a virtual view of self-regulation - 21 July 2021
          • GMarjoribanks speech 19 October 2021
          • ch-open-banking-keynote-nov21
          • Chris Hemsley speech for Open Banking Expo - 20 October 2022
          • Aidene Walsh Speech for Innovate Finance Global Summit: Innovation
          • Kate Fitzgerald Speech for Payments Leaders' Summit - 19 April 2023
          • Aidene Walsh: Welcome address for PSR Annual Plan event – 9 May
          • Chris Hemsley: Welcome address for PSR Annual Plan event – 9 May
          • Natalie Timan: Panel introduction for PSR Annual Plan event 2023 - 9 May
          • Chris Hemsley's speech at the Payment Leaders' Summit on 11 October 2023
          • Chris Hemsley's speech at the 1LoD Fraud Risk event on 5 December 2023
          • Chris Hemsley speech at The Payments Regulation and Innovation Summit 2024
          • Kate Fitzgerald speech at RegTech Live 2024
          • Chris Hemsley speech at the Fraud Leaders' Summit on 28 February 2024
          • Chris Hemsley speech at PAY360 on 20 March 2024
          • Chris Hemsley speech at UKRN 10 Year Anniversary event on 19 March 2024
          • Aidene Walsh Speech for Innovate Finance Global Summit on 16 April 2024
          • Chris Hemsley speech at Payments Leaders' Summit on 22 April 2024
          • Chris Hemsley welcome address for Annual Plan event on 9 May 2024
          • Aidene Walsh welcome address for Annual Plan event on 9 May 2024
          • Chris Hemsley Speech at Extending Variable Recurring Payments event on 24 April 2024
          • David Geale's speech at the Payments Regulation and Innovation Summit 2025
      • Events
        • PSR Annual Plan 2021/22 webinar
        • Our proposed strategy webinars
        • PSR Strategy Stakeholder Webinar
        • Annual Plan 2022/23 stakeholder event
        • Our Digital Payments Initiative workshop - 15 June 2022
        • Authorised Push Payment Fraud TechSprint
        • Roundtable discussion on our APP scams consultation
        • Penalty policy statement roundtable
        • Annual Plan 2023/24 stakeholder event
        • Policy statement discussion: Fighting authorised push payment fraud: a new reimbursement requirement
        • Annual Plan 2024/25 stakeholder event
        • Delivering the Future of Open Banking
      • Latest Events
      • Previous Events
    • Publications
      • News
      • Consultations
        • Card-acquiring market remedies: consultation on proposed revisions to Specific Directions 14, 15 and 16
        • CP23/12: Expanding variable recurring payments - Call for views
        • CP23/11: Generally applicable requirements - draft review framework
        • Call for views: Second review of Specific Direction 8 (LINK)
        • CP21/2: Consultation on delivery and regulation of the New Payments Architecture
        • CP21/3 Authorised push payment scams – call for views
        • CP21/4 Consumer protection in interbank payments – call for views
        • CP21/5 - Interchange Fee Regulation (IFR) Guidance: EU withdrawal consequential changes
        • CP21/6 - Confirmation of Payee - Phase 2 Call for Views
        • CP21/8: Lowering risks to delivery of the New Payments Architecture
        • cp21-5-submissions
        • CP21/10 Authorised push payment (APP) scams consultation paper
        • CP21/11 Confirmation of Payee: Ending dual running consultation paper
        • CP22/1: Card-acquiring market review initial remedies consultation
        • CP22/2: Confirmation of Payee: Requirements for further participation in CoP
        • cp22-4-app-scams-requiring-reimbursement
        • CP 22/5: Revised approach to APP scams Measure 1, Metric C process
        • CP22/6: PSR regulatory fees
        • CP23/1: APP scams data publishing guidance
        • CP 23/4: APP fraud reimbursement requirement - draft legal instruments
        • Responses to call for input on competition and innovation in the New Payments Architecture
        • Access to cash factsheet - July 2020
        • CP23/5: APP fraud: APP scams measure 1 reporting guidance second cycle
        • PSR CP 15/1: PSR competition concurrency guidance
        • PSR CP 16/4: Draft guidance on our approach to handling applications under sections 56 and 57 FSBRA
        • PSR CP16/4: Consultation paper on our approach to handling applications under sections 56 and 57 FSBRA
        • PSR regulatory fees 2015/16 (CP15/26)
        • CP 16/35: PSR regulatory fees 2017/18
        • CP18/2 - Draft Specific Direction 8 - protected ATMs
        • PSR CP 15/2: Voluntary redress schemes in competition cases
        • CP 15/44: PSR regulatory fees 2016/17
        • PSR CP 16/1 - Guidance on the PSR's approach for designation of alternative switching schemes under the Payment Accounts Regulations 2015
        • PSR CP 16/1 - Consultation paper on the application of the Payment Accounts Regulations in respect of alternative arrangements
        • Proposed changes to the reporting requirements for General Directions 2, 3 and 4
        • CP16/11: PSR regulatory fees 2016/17
        • CP 16/3: The application of the IFR - Phase 2 draft guidance
        • CP16/3: The application of the Interchange Fee Regulation in the UK: Phase 2
        • Onshoring EU Regulatory Technical Standards under the Interchange Fee Regulation
        • CP 19/1 - Draft Specific Direction 4 - Competitive procurement of central infrastructure
        • CP19/2 - Draft Specific Direction 9 - Crisis Communications (Visa)
        • MR 18/1.3 - consultation on our proposed pass-through analysis
        • PSR MR18/1.1 - Draft Terms of Reference: Market review into the supply of card-acquiring services
        • Discussion Paper: Data in the Payments Industry
        • Authorised push payment scams – PSR led work
        • CP 15/14 - FCA regulated fees & levies: rates proposals 2015/16
        • CP 17/44: PSR regulatory fees
        • APP Scams - Annexes
        • Review of the PSR Directions made in 2015 - Directions on access, governance and participants’ relationships with the PSR (General Directions 1-6 and Specific Direction 1)
        • Supplementary document to FCA CP 15/14 on PSR fees
        • Factsheet - Authorised push payment scams – PSR led work
        • CP18/8: PSR regulatory fees
        • Lipis report on international fraud practices
        • PSR CP 14/1: A new regulatory framework for payment systems in the UK
        • Stopping the scammers - an infographic
        • PSR CP17/1: Direct Debit Facilities Management – Switching service provider
        • CP 17/30: PSR regulatory fees 2018/19
        • CP 17/9: PSR regulatory fees 2017/18
        • Authorised push payment scams: the role of operators - draft Terms of Reference
        • PSR CP16/5: Draft Financial Penalty Scheme
        • Authorised push payment scams - the role of operators: Call for input from PSPs
        • CP 15/3 - The application of the Interchange Fee Regulation in the UK: Phase 1
        • PSR CP 14/1 - Factsheet
        • Annex 3 - letter from GoCardless
        • PSR CP16/5: Consultation paper on our proposed method for allocating the money we retain from financial penalties that we have imposed
        • GC 15/2 - Guidance on the PSR’s approach as a competent authority for the EU Interchange Fee Regulation
        • Call for Input: Card Payment Systems
        • The Payment Services Regulations 2017 – the PSR’s draft approach to monitoring and enforcement
        • CP19/4 - Confirmation of Payee - Response to the first consultation and draft specific direction for further consultation
        • CP 18/4 - Responses to our consultation on general directions for the implementation of Confirmation of Payee
        • CP19/5 - Call for views: Review of the structure of LINK interchange fees
        • MR18/1.4 - Consultation on our proposed approach to the merchant survey
        • CP19/6 - Call for views: The PSR’s research into cash access, use and acceptance
        • CP19/6 - Appendices to full research report into cash research
        • CP19/6 - Full research report into cash access, use and acceptance
        • CP 18/4 - Consultation on general directions for the implementation of Confirmation of Payee
        • CP19/7 - PSR Powers and Procedures Guidance Consultation
        • Decision on the review into our 'day one' Directions and CP19/3 - Consultation on proposed Directions
        • CP20/1- Confirmation of Payee: Proposal to vary Specific Direction 10
        • CP20/1: Proposal to vary Specific Direction 10 - Stakeholder submissions to consultation
        • Full responses to our Call for Views on our first annual review Specific Direction 8
        • CP20/2 - Call for input: Competition and Innovation in the UK's New Payments Architecture
        • Full responses to our consultation on our Powers and Procedures Guidance
        • cp21-4-submissions
        • CP21/9: Draft Specific Direction on maintaining free-to-use ATMs
        • CP 22/1: Stakeholder submissions
        • CP 22/3: Card-acquiring market review remedies provisional decision
        • CP 22/3: Stakeholder Submissions
        • CP23/2: Proposed revised penalty statement consultation
        • Call for views: First review of Specific Direction 12 (LINK)
        • PSR CP 14/1 - Supporting Paper 1: The PSR and UK payments industry
        • PSR CP 14/1 - External reports: London Economics report on competition and collaboration
        • ​Non-confidential responses to the March 2014 PSR call for inputs
        • PSR CP 14/1 - Supporting Paper 5: Interchange fees
        • PSR CP 14/1 - Supporting Paper 4: Access to payment systems
        • PSR CP 14/1 - Questionnaire on access to interbank payment systems
        • PSR CP 14/1 - External reports: Ofcom / PSR joint study
        • PSR CP 14/1 - Supporting Paper 6: Regulatory tools
        • PSR CP 14/1 - External reports: Accenture governance report
        • PSR CP 14/1 - External reports: KPMG infrastructure report
        • PSR CP 14/1 - External reports: RPI regulatory approach report
        • PSR CP14/1 - Consultation questions response template
        • PSR CP 14/1 - Supporting Paper 3: Ownership, governance and control of payment systems
        • PSR CP 14/1 - Questionnaire on Access to Card Payment Systems
        • PSR CP 14/1 - Supporting Paper 2: Payments industry strategy and areas for collaboration
        • PSR CP 14/1 - External reports: RPI paper on international approaches
        • PSR CP 14/1 - External reports: Accenture innovation report
        • Responses to PSR CP 14/1 - R to Y
        • Responses to PSR CP 14/1 - A to B
        • Responses to PSR CP 14/1 - I to P
        • Responses to PSR CP 14/1 - C to H
        • Responses to our consultation on the development of a contingent reimbursement model
        • Summary of key comments from submissions to PSR consultation CP18/2
        • Consultation on our merchant survey questionnaire
        • Review of 'day one' directions - Responses to consultation CP18/1
        • Responses to remedies consultation: Market review into the ownership and competitiveness of infrastructure provision
        • Factsheet - Outcome of our consultation about a contingent reimbursement model
        • CP 23/7: APP fraud: The consumer standard of caution
        • CP 23/6: APP fraud: Excess and maximum reimbursement level for FPS and CHAPS
        • CP23/8: APP fraud: APP scams measure 1 cycle 2 additional changes to timeline and reporting periods
        • CP23/9: Consultation on proposed revisions to our Powers and Procedures Guidance
        • CP23/10: Specific Direction on FPS participants - implementing the reimbursement requirement
        • v13 consultation
        • CP24/2: Call for views - Second annual review of Specific Direction 12 (LINK)
        • CP24/3: The FPS APP scams reimbursement requirement: compliance and monitoring
        • CP24/5: Call for views - our approach to supervision
        • CP24/6 Securing compliance: proposed extensions and exemptions guidance
        • CP24/7: APP scams data cycle 2 publication guidance
        • CP24/8: CHAPS APP scam reimbursement requirement
        • CP24/9 Big tech and digital wallets call for information
        • CP24/10 Consultation on draft guidance on supporting the identification of APP scams and civil disputes
        • CMA seeks views on settlement discounts for competition cases
        • Expanding variable recurring payments - Response to the call for views (CP23/12)
        • CP24/11: Faster Payments APP scams: Changing the maximum level of reimbursement
        • CP24/12: Draft statement of policy on our cost benefit analysis framework
        • CP24/13 - Consultation on amending Specific Direction 3
        • CP24/14 Market review of UK-EEA consumer cross-border interchange fees : Stage 1 remedy consultation
        • CP25/1 Market review of card scheme and processing fees remedies consultation
      • Annual Plans and Reports
        • Payment Systems Regulator Annual report and accounts 2017/18
        • Payment Systems Regulator Annual Plan and Budget 2021/22
        • Payment Systems Regulator Annual Report and Accounts 2020/21
        • Payment Systems Regulator Annual Plan and Budget 2022/23
        • Factsheet - Annual plan and budget 2022/23
        • Factsheet - 2023/24 Annual Plan and Budget
        • Payment Systems Regulator Annual Report and Accounts 2014/2015
        • PSR Annual Report 2015/16 - factsheet
        • Payment Systems Regulator Annual Report and Accounts 2015/16
        • Payment Systems Regulator Annual Plan and Budget for 2016/17
        • Payment Systems Regulator Annual Plan and Budget for 2018/19
        • Payment Systems Regulator Annual Plan and Budget 2015/16
        • PSR Panel annual report 2015/16
        • Factsheet - Annual Plan 2018/19
        • Policy Work Programme
        • PSR Panel Annual Report 2017/18
        • Payment Systems Regulator Annual Plan 2014/15
        • PSR Stakeholder reputation survey 2017
        • PSR Panel annual report 2016/17
        • Payment Systems Regulator Annual Plan and Budget for 2017/18
        • Payment Systems Regulator Annual Report and Accounts 2016/17
        • PSR Annual Report 2016/17 - factsheet
        • Perceptions Research 2016
        • Payment Systems Regulator Annual Plan and Budget 2019/20
        • Factsheet - Annual Plan 2019/20
        • Payment Systems Regulator Annual Report and Accounts 2018/19
        • Factsheet - Annual Plan and Budget 2020/21
        • Payment Systems Regulator Annual Plan and Budget 2020/21
        • The Payment Systems Regulator Limited Annual Report and Accounts 2019/20
        • Factsheet - Annual Report and Accounts 2019/20
        • Factsheet - Annual Plan and Budget 2021/22
        • Factsheet - Annual Report and Accounts 2020/21
        • Payment Systems Regulator Annual Report and Accounts 2021/22
        • Factsheet – Annual Report and Accounts 2021/22
        • Payment Systems Regulator Annual Plan and Budget 2023/24
        • Payment Systems Regulator Annual Report and Accounts 2022/23
        • Factsheet - Annual report and accounts 2022/23
        • PSR Annual Report 2017/18 - factsheet
        • PSR Annual Plan and budget 2017/18 - Factsheet
        • Payment Systems Regulator Annual Plan and Budget 2024/25
        • Payment Systems Regulator Annual Report and Accounts 2023-24
        • Payment Systems Regulator Annual Plan and Budget 2025-26
      • Market reviews
        • mr18-1-8-card-acquiring-report-final
        • MR22/1.2: Final terms of reference for scheme and processing fees market review
        • MR22/2.3: Cross-border interchange fees stakeholder input summary
        • MR22/2.2: Final terms of reference for cross-border interchange fees market review
        • MR22/1.3: Scheme and processing fees stakeholder input summary
        • MR22/1.1: Stakeholder submissions on scheme and processing fees draft terms of reference
        • MR22/2.1: Stakeholder submissions on cross-border interchange fees draft terms of reference
        • MR22/1.4: Competitive constraints in card payment systems call for evidence
        • MR22/1.5: Approach to profitability analysis working paper
        • Survey for payment service providers - market review of the supply of indirect access to payment systems
        • PSR MR15/1.1 - Final terms of reference: market review into the supply of indirect access to payment systems
        • PSR MR15/2.2 - Annex
        • PSR MR15/2.1 - Final terms of reference: market review into the ownership and competitiveness of infrastructure provision
        • PSR MR15/1.2 - Annexes
        • Responses to our interim report on the ownership and competitiveness of infrastructure provision in payment systems
        • PSR MR15/1.3 - Final report: market review into the supply of indirect access to payment systems
        • PSR MR15/1.3 - Factsheet
        • PSR MR15/1.2 - Factsheet
        • MR15/2.3 - Factsheet
        • Responses to our final report on the ownership and competitiveness of infrastructure provision in payment systems
        • PSR MR15/2.3 – Final report: market review into the ownership and competitiveness of infrastructure provision
        • Survey for payment service providers
        • Costs and benefits of migration to ISO 20022 in SEPA - Final Report
        • PSR MR15/2.2 - Interim report: market review into the ownership and competitiveness of infrastructure provision
        • Lipis report: Payment system ownership and access model
        • PSR MR15/1.2 - Access theory and practice report
        • PSR MR15/1.2 - Interim report: market review into the supply of indirect access to payment systems
        • MR15/2.2 - Factsheet
        • PSR MR15/1 Market review into the supply of indirect access to payment systems - draft terms of reference
        • PSR MR15/2.4 - Annex 3
        • PSR MR15/2.5 - Annex 3
        • PSR MR15/2.3 - Annexes
        • PSR MR15/2.4 - Annexes 1 & 2
        • PSR MR15/2 Market review into the ownership and competitiveness of infrastructure provision - draft Terms of Reference
        • MR 15/2.5 Market review into the ownership and competitiveness of infrastructure provision: remedies decision
        • MR 15/2.4 Market review into the ownership and competitiveness of infrastructure provision: remedies consultation
        • Responses to our interim report on the supply of indirect access to payment systems
        • PSR MR15/1 Responses to indirect access market review draft terms of reference
        • PSR MR15/2 Responses to infrastructure market review draft terms of reference
        • MR18/1.3 - Responses to our proposed pass-through analysis
        • MR18/1.6 - Consultation on our proposed approach to the profitability analysis
        • MR18/1.4 - Responses to our proposed approach to the merchant survey
        • MR18/1.6 - Responses to our consultation on our proposed approach to the profitability analysis
        • MR18/1.4 - Our merchant survey questionnaire
        • MR18/1.5 Responses to our consultation on the merchant survey questionnaire
        • MR18/1.6 - Responses to our proposed profitability analysis consultation
        • MR18/1.7 Annex on merchant survey technical report
        • MR18/1.7 Annex on merchant survey results
        • MR18/1.7 Annex 5 - Barriers to entry and expansion - Card-acquiring market review
        • MR18/1.7 - Glossary - Card-acquiring market review
        • MR18/1.7 - Annex 4 - Scheme fees - Card-acquiring market review
        • MR18/1.7 Annex 1 - Industry background - Card-acquiring market review
        • MR18/1.7 Annex 2 - Pass-through analysis - Card-acquiring market review
        • MR18/1.7 Annex 3 - Financial Review - Card-acquiring market review
        • MR18/1.7 - Market review into the supply of card-acquiring services: Interim report
        • Merchant survey disclosure in the market review into card-acquiring services
        • MR22/1.1: Market review of card scheme and processing fees
        • MR22/2.1 Market review of UK-EEA consumer cross-border interchange fees
        • MR22/2.4 Impact of the UK-EEA cross-border interchange fee increases working paper
        • MR22/1.6: Recent changes to scheme and processing fees working paper
        • MR22/2.5 Cross-border interchange fees: stakeholder feedback to discussion of impacts working paper
        • MR22/2.4 Cross-border interchange fees: stakeholder submissions on discussion of impacts working paper
        • PSR MR15/2.5 - Annexes 1 & 2
        • PSR MR18/1.2 - Final terms of reference: market review into the supply of card-acquiring services
        • Responses to draft Terms of Reference to card-acquiring services market review
        • Card-acquiring services market review: General submissions received in Q1 2019 (other than in response to consultations)
        • Card-acquiring services market review: General submissions received in Q1 2020 (other than in response to consultations)
        • Pass-through disclosure in the market review into card-acquiring services
        • Draft undertakings for the confidentiality ring used for pass-through disclosure
        • Summary of stakeholder roundtables on card scheme and processing fees
        • Summary of stakeholder roundtables on cross-border interchange fees
        • Implementation advice for card-acquiring market remedies - Summary box template and Online quotation tool template
        • Findings of independent research testing for card-acquiring market remedies
        • Factsheet - Market review into the supply of indirect access to payment systems
        • Factsheet - Market review into the ownership and competitiveness of infrastructure provision
        • MR15/2.5 - Factsheet
        • MR15/2.4 - Factsheet
        • Factsheet: Note to point-of-sale terminal providers
        • MR22/1.7: Stakeholder input (and non-confidential responses) to the competitive constraints call for evidence and profitability working paper
        • MR22/1.8: Stakeholder roundtables on scheme and processing fees summary
        • MR22/2.6: Market review of UK-EEA consumer cross-border interchange fees interim report
        • MR22/1.9: Market review of card scheme and processing fees interim report
        • Stakeholder submissions to MR22/1.6: Recent changes to scheme and processing fees working paper
        • MR22/2.7 Market review of UK-EEA consumer cross-border interchange fees: Final report
        • MR22/1.10 Market review of card scheme and processing fees: final report
        • MR22/1.11 Stakeholder roundtables on scheme and processing fees summary
      • Policy statements
        • PSR PS19/2: Specific Direction 4a (Procurement: LINK)
        • Regulatory Technical Standards Regulation under the UK Interchange Fee Regulation as applies in the UK
        • ps21-1-ifr-revised-2021
        • ifr-guidance-2021
        • RP21-1 response to CoP phase 2 CP21-6
        • PSR PS21/3: New Payments Architecture (NPA) regulatory framework published
        • PSR RP21/2: Lowering risks to the New Payments Architecture (NPA) delivery – final changes to Specific Directions 2 and 3
        • Access and Governance Report on Interbank Payment Systems January 2022
        • PS22/2: Card-acquiring market remedies: Final decision
        • PS22/3 Extending Confirmation of Payee coverage
        • PS23/1 APP scams: Measure 1 - Collection and publication of performance data
        • PS23/2: PSR regulatory fees
        • PSR Panel's Digital Payments Initiative report
        • Digital Payments Initiative: Barriers to using digital payments
        • Revised Penalty Statement 2023
        • Policy Statement 16/1: The application of the Interchange Fee Regulation in the UK - Phase 1
        • Guidance on the PSR’s approach as a competent authority for the EU Interchange Fee Regulation
        • Policy Statement 16/3: The application of the Interchange Fee Regulation in the UK - Phase 2
        • PS 15/25: PSR regulatory fees 2015/16
        • The Competition and Markets Authority's guidance on voluntary redress schemes
        • PSR voluntary redress scheme application existing infringement decision
        • PSR voluntary redress scheme application: no pre-existing infringement decision
        • The approval of voluntary redress schemes for infringements of competition law
        • Final guidance on the PSR's approach as a competent authority for designation of alternative switching schemes under the PARs
        • PS 16/2: The application of the PARs 2015 in respect of alternative arrangements for switching accounts
        • Final Super-complaints Guidance
        • PS 18/12: PSR regulatory fees
        • Outcome of consultation on the development of a contingent reimbursement model
        • The Payment Services Regulations 2017 – the PSR’s approach to monitoring and enforcement - factsheet
        • PSR regulatory fees: 2018/19 fees figures
        • Authorised push payment scams: the role of payment system operators – final Terms of Reference
        • PSR PS 15/1: A new regulatory framework for payment systems in the UK
        • PSR PS17/1: Our decision on the Financial Penalties Scheme
        • The Payment Services Regulations 2017 – the PSR’s approach to monitoring and enforcement
        • Contactless mobile payments - our report
        • PS17/17 PSR regulatory fees 2017/18
        • Competition Act 1998 (CA98) Guidance
        • PSR PS17/3: Direct Debit Facilities Management – Switching providers - decision on changes to the Bacs Direct Debit rules
        • Markets Guidance
        • PS16/17 PSR regulatory fees 2016/17
        • Application for designation under the Payment Accounts Regulations (PARS)
        • Decision on designation under the Payment Accounts Regulations (PARs)
        • Factsheet - PSR Policy Statement 15.1
        • PSR PS 15/1A: Annexes to the Policy Statement
        • Responses to consultation feedback and final guidance documents
        • CP19-2: Responses to our consultation on Specific Direction 9 (Crisis Communications: Visa)
        • PSR PS19/3 - Specific Direction 9 (Crisis Communications: Visa)
        • Access and governance report on payment systems: update on progress
        • CP19/4: Responses and our final decision on our consultation on Specific Direction 10 (Confirmation of Payee)
        • CP19/4 Full responses to our consultation on Confirmation of Payee
        • RP19/1 - Data in the payments industry: Response to our discussion paper
        • DP18/1: Data in the Payments Industry - Responses to our discussion paper
        • PS20/1: Response to our consultation on varying Specific Direction 10 and decision
        • PS19/4 - Specific Direction 10 (Confirmation of Payee)
        • RP20/1 – Our final revised ‘day one’ Directions and response to consultation
        • CP19/5 - Responses to our discussion paper on the LINK interchange fee structure and summary of our roundtable discussion
        • First annual review of Specific Direction 8 (2020)
        • CP19/6: Responses to our Call for Views on our research into cash access, use and acceptance, and summary of our roundtable discussion
        • Application of the IFR: Final guidance
        • RP20/2 - Revision of our Powers and Procedures Guidance (PPG): Response to consultation on revisions to our PPG
        • Specific Direction 10 (Confirmation of Payee) (Varied February 2020)
        • Second annual review of Specific Direction 8 (2021)
        • ps21-2-consumer-protection-response-to-cp21-4
        • PS22/1 Confirmation of Payee: response to consultation CP21/11 ending dual running
        • PS23/3: Fighting authorised push payment fraud: a new reimbursement requirement
        • Joint Regulatory Oversight Committee: Principles for commercial frameworks for premium APIs
        • Fighting APP Fraud: a new reimbursement requirement – policy statement discussion slides
        • PSR response to Digital Payments Initiative report
        • Publishing APP fraud data: A guide for PSPs
        • Cycle 2 APP fraud data reporting guidance for PSPs
        • PS23/4: APP scams reimbursement policy statement
        • PSR framework for reviewing generally applicable requirements
        • Faster Payments Scheme participants potentially in scope of our Specific Direction 20
        • Card-acquiring market remedies: change to list of directed legal entities
        • PS24/2 APP scams measure 1 cycle 2 consultation response and policy statement
        • PS24/3 FPS APP scams reimbursement compliance and monitoring
        • Compliance Data Reporting Standards
        • PS24/4 Securing compliance: Extensions and exemptions guidance
        • Extensions and exemptions guidance
        • APP scams reimbursement: Information on consumer communications for PSPs
        • PS24/5 CHAPS APP scams reimbursement requirement
        • PS24/6 Supporting the identification of APP scams and civil disputes
        • PS24/7 Faster Payments APP scams reimbursement requirement: Confirming the maximum level of reimbursement
        • PS25/1 Statement of policy on our cost benefit analysis framework
        • The PSR's Compliance Monitoring Framework
        • Cycle 3 APP fraud data reporting guidance for PSPs
        • FS25/1 Big tech and digital wallets
        • PS25/3: Publication of 2024 APP scams data
        • PS25/4: Decision to revoke Specific Direction 3 and consultation on revoking Specific Direction 2
        • PS25/5: APP scams reimbursement requirement
      • Corporate information
        • PSR regulatory fees: 2022/23 fees figures
        • MoU between the PSR and the Lending Standards Board (LSB)
        • PSR Board Minutes - September 2022
        • PSR Board Minutes - July 2022
        • PSR Board Minutes - January 2022
        • PSR Board Minutes - June 2022
        • PSR Board Minutes - March 2022
        • PSR Board Minutes - May 2022
        • Directorships and other positions
        • Disclosure of financial interests
        • PSR Board Minutes - November 2021
        • PSR Board minutes - January 2021
        • PSR Board minutes - May 2021
        • PSR Board minutes - March 2021
        • PSR Board minutes - November 2020
        • Q4 2021/22 Gifts, hospitality and expenses: Chris Hemsley
        • Q2 2020 Gifts, hospitality and expenses: Chris Hemsley
        • Q2 2021 Gifts, hospitality and expenses: Chris Hemsley
        • Q1 2021 Gifts, hospitality and expenses: Chris Hemsley
        • Q4 2020 Gifts, hospitality and expenses: Chris Hemsley
        • Q3 2020 Gifts, hospitality and expenses: Chris Hemsley
        • Privacy Notice
        • PSR Responsibilities map and committee structure
        • PSR Panel Terms of Reference
        • PSR Board minutes - January 2015
        • PSR Board minutes - November 2014
        • PSR Board minutes - October 2014
        • PSR Board minutes - September 2014
        • PSR Board minutes - April 2014
        • PSR Board minutes - July 2014
        • Corporate governance of the PSR Limited
        • DRAFT PSR internal review process explained
        • PSR Board minutes - February 2015
        • PSR Board minutes - 4 June 2015
        • PSR Board minutes - 18 June 2015
        • PSR Board minutes - 12 May 2015
        • PSR Board minutes - March 2015
        • Carole Begent Q2 2015
        • Carole Begent Q3 2015
        • Q1 2019 Gifts, hospitality and expenses: Carole Begent
        • Q2 2016 Gifts Hospitality Expenses Carole Begent
        • Q1 2016 Gifts Hospitality Expenses Carole Begent
        • Q3 2016 Gifts Hospitality Expenses Carole Begent
        • Q4 2016 Gifts Hospitality Expenses Carole Begent
        • Q2 2017 Gifts Hospitality Expenses Carole Begent
        • Q3 2017 Gifts Hospitality Expenses Carole Begent
        • Q1 2017 Gifts Hospitality Expenses Carole Begent
        • Q4 2015/16 Gifts Hospitality Expenses Carole Begent
        • Carole Begent Q1 2015
        • Q4 2018 Gifts, hospitality, expenses: Carole Begent
        • Q3 2018 - Gifts, Hospitality & Expenses: Carole Begent
        • Hannah Nixon Q2 2015
        • Hannah Nixon Q1 2015
        • Hannah Nixon Q3 2015
        • Q4 2017 Gifts Hospitality Expenses Hannah Nixon
        • Q2 2017 Gifts Hospitality Expenses Hannah Nixon
        • Q2 2016 Gifts Hospitality Expenses Hannah Nixon
        • Q4 2016 Gifts Hospitality Expenses Hannah Nixon
        • Q3 2018 - Gifts, Hospitality & Expenses: Hannah Nixon
        • Q1 2016 Gifts Hospitality Expenses Hannah Nixon
        • Q3 2016 Gifts Hospitality Expenses Hannah Nixon
        • Q3 2017 Gifts Hospitality Expenses Hannah Nixon
        • Q2 2018 - Gifts, Hospitality & Expenses: Hannah Nixon
        • Q1 2017 Gifts Hospitality Expenses Hannah Nixon
        • Q4 2015/16 Gifts Hospitality Expenses Hannah Nixon
        • Q4 2018 Gifts, hospitality, expenses: Hannah Nixon
        • Mark Falcon Q2 2015
        • Mark Falcon Q1 2015
        • PSR events and costs Q2 2015
        • PSR Board minutes - 21 July 2015
        • PSR Board minutes - 22 October 2015
        • PSR Board minutes - 27 January 2016
        • PSR Board minutes - 27 November 2015
        • PSR CMA memorandum of understanding
        • PSR Board minutes - 30 September 2015
        • PSR Board minutes - 11 May 2016
        • PSR Board minutes - 22 June 2016
        • PSR Panel appointment process
        • PSR Board minutes - 9 March 2016
        • PSR Board minutes - 14 September 2016
        • PSR Board minutes - 13 July 2016
        • PSR Board minutes - 8 December 2016
        • PSR Board minutes - 9 November 2016
        • PSR Board minutes - 22 March 2017
        • Annual Plan Launch - Event costs
        • PSR Board minutes - 17 May 2017
        • PSR Board minutes - 21 June 2017
        • The Business Impact Target 2017
        • PSR Board minutes - 13 September 2017
        • Q2 2017 Stakeholder event costs
        • Egress user guide
        • PSR Board minutes - 5 July 2017
        • PSR Board minutes - 24 January 2018
        • Review of the PSR Board's effectiveness
        • Protocol between the Financial Conduct Authority and the Payment Systems Regulator on the enforcement of Regulation 105 of the Payment Services Regulations 2017
        • Business Impact Target 2018
        • PSR Board minutes - March 2018
        • PSR Board minutes - June 2018
        • PSR Board minutes - July 2018
        • PSR Board minutes - May 2018
        • PSR Board minutes - September 2018
        • Memorandum of Understanding about monitoring the IFR
        • PSR Board minutes - November 2018
        • PSR regulatory fees: 2019/20 fees figures
        • PSR Board minutes - 19 January 2017
        • PSR Board minutes - 22 November 2017
        • PSR Board minutes - March 2019
        • Senior Managers Regime - PSR statements of responsibility
        • Senior Managers Regime - Management responsibilities
        • PSR Board minutes - January 2019
        • PSR Board minutes - November 2019
        • Q2 2019 Gifts, hospitality and expenses: Chris Hemsley
        • PSR Board minutes - September 2019
        • PSR Board minutes - October 2019
        • PSR Board minutes - July 2019
        • Q1 2019 Gifts, hospitality and expenses: Chris Hemsley
        • Conflict of Interests policy for Non-Executive Directors
        • PSR Board minutes - June 2019
        • Q4 2019 Gifts, hospitality and expenses: Chris Hemsley
        • PSR Board minutes - March 2020
        • Q3 2019 Gifts, hospitality and expenses: Chris Hemsley
        • PSR Board minutes - January 2020
        • PSR Panel Annual Report 2019/20
        • PSR Panel Annual Report 2018/19
        • PSR internal review process explained
        • PSR Board minutes - June 2020
        • PSR Board minutes - May 2020
        • PSR Board minutes - July 2020
        • PSR regulatory fees: 2020/21 fees figures
        • PSR regulatory fees: 2021/22 fees figures
        • PSR regulatory fees: 2023/24 fees figures
        • PSR Board Minutes - 15 March 2023
        • PSR Board Minutes - 16 March 2023
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Chris Hemsley
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Faith Reynolds
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Tommaso Valletti
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Simon Ricketts
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Aidene Walsh
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: David Geale
        • PSR Board Minutes - 17 May 2023
        • PSR Board Minutes - January 2023
        • PSR Board Minutes - November 2022
        • PSR Board Minutes - September 2021
        • PSR Board minutes - July 2021
        • PSR Board minutes - June 2021
        • PSR Board minutes - August 2020
        • PSR Board minutes - September 2020
        • Q1 2020 Gifts, hospitality and expenses: Chris Hemsley
        • Payment Systems Regulator Panel Annual Report 2020-21
        • PSR Board Effectiveness Review 2021
        • Administrative Priority Framework
        • FOIA and environmental information regulations fees statement
        • PSR Penalties Guidance
        • Objectives Guidance
        • Powers and Procedures Guidance - June 2020
        • The PSR's Financial Penalty Scheme
        • Draft Super-complaints Guidance
        • The PSR Complaints Scheme
        • Powers and Procedures Guidance
        • Guidance on the PSR’s approach as a competent authority for the EU Interchange Fee Regulation - June 2020
        • Business impact target 2022
        • Business Impact Target 2021
        • Business Impact Target 2019
        • Business Impact Target June to December 2019
        • PSR Panel Annual Report 2022-23
        • Q2/Q3 2021/22 Gifts, hospitality and expenses: Natalie Timan
        • 2023/24 Gifts, hospitality and expenses: Chris Hemsley
        • 2023/24 Gifts, hospitality and expenses: Aidene Walsh
        • 2023/24 Gifts, hospitality and expenses: Faith Reynolds
        • 2023/24 Gifts, hospitality and expenses: Natalie Timan
        • 2023/24 Gifts, hospitality and expenses: Kate Fitzgerald
        • 2023/24 Gifts, hospitality and expenses: Tommaso Valletti
        • 2023/24 Gifts, hospitality and expenses: Simon Ricketts
        • 2023/24 Gifts, hospitality and expenses: Alex Olive
        • 2023/24 Gifts, hospitality and expenses: David Geale
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Kate Fitzgerald
        • Q2/Q3 2022/23 Gifts, hospitality and expenses: Natalie Timan
        • PSR Board Minutes - July 2023
        • 2023/24 Gifts, hospitality and expenses: Natalie Golding
        • 2023/24 Gifts, hospitality and expenses: Joanna Whittington
        • PSR Board Minutes - September 2023
        • PSR Board Minutes - November 2023
        • PSR draft cost benefit analysis framework
        • PSR Board Minutes - January 2024
        • PSR work plan
        • MoU between the Bank of England, FCA, PSR and the PRA
        • PSR Board minutes - 13 March 2024
        • 2023/24 Gifts, hospitality and expenses: Dan Moore
        • 2023/24 Gifts, hospitality and expenses: Edward Knapp
        • 2023/24 Gifts, hospitality and expenses: Oliver Hanmer
        • PSR regulatory fees: 2024/25 fees figures
        • PSR Board Minutes - April 2024
        • PSR Board Minutes - May 2024
        • PSR Board Minutes - June 2024
        • PSR Panel Annual Report 2023-24
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Dan Moore
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Alex Olive
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Oliver Hanmer
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Kate Fitzgerald
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Natalie Golding
        • Q1 2024/25 Gifts, hospitality and expenses: Chris Hemsley
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: David Geale
        • Q1 2024/25 Gifts, hospitality and expenses: Faith Reynolds
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Edward Knapp
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Tommaso Valletti
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Aidene Walsh
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Sheldon Mills
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Lara Stoimenova
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Joanna Whittington
        • Powers and Procedures Guidance September 2024
        • PSR Board Minutes - July 2024
        • Q1 and Q2 2024/25 Gifts, hospitality and expenses: Andrew Buckley
        • PSR Panel member recruitment
        • PSR board minutes - 28 August 2024
        • PSR board minutes - 18 September 2024
        • PSR board minutes - 25 September 2024
        • PSR board minutes - 18 October 2024
        • PSR board minutes - 13 November 2024
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: David Geale
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Dan Moore
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Natalie Golding
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Oliver Hanmer
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Alex Olive
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Kate Fitzgerald
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Aidene Walsh
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Edward Knapp
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Joanna Whittington
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Tommaso Valletti
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Sheldon Mills
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Lara Stoimenova
        • Q1 to Q3 2024/25 Gifts, hospitality and expenses: Andrew Buckley
        • PSR board minutes - 22 January 2025
      • Legal directions and decisions
        • PSR General directions
        • PSR Specific Direction 1
        • PSR Specific Direction 7
        • Specific direction 4
        • Original Specific Direction 4
        • Draft Variation of Specific Direction 4
        • Specific Direction 17
        • Specific Direction 18
        • Specific Direction 16
        • Specific Direction 14
        • Specific Direction 15
        • Specific Direction 12
        • Specific Direction 13
        • Specific Direction 11
        • Specific Direction 8
        • Specific Direction 2
        • Specific Direction 3
        • Specific direction 6
        • Specific Direction 1: Access (sponsor banks) (2020)
        • Specific direction 5
        • General Direction 1: Cooperative relationships with the PSR (2020)
        • General Direction 5: Conflict of interest (FSBRA) (2020)
        • General Direction 4: Service-user interests (interbank payment systems) (2020)
        • General Direction 3: Access (PSRs 2017) (2020)
        • General Direction 2: Access (FSBRA) (2020)
        • Decision Notice: PSR investigation into Barclays' failure to comply with the IFR
        • First Annual Review of Specific Direction 12
        • Factsheet - Our revised 'day one' Directions
        • PSR non-confidential decision: anti-competitive conduct in the prepaid card services sector
        • Decision Notice: PSR investigation into NatWest Group banks’ non-compliance with the Interchange Fee Regulation
        • Decisions on applications for exemption from the requirement to introduce Confirmation of Payee (CoP) - July 2020
        • Decision notice – Cheque and Credit Clearing Company Ltd (C&CCC)
        • APP scams reimbursement: Specific Requirement 1 (SR1) on Pay.UK
        • APP scams reimbursement: SD19 on Pay.UK
        • APP scams reimbursement: SD20 on PSPs
        • Specific Direction 14/15/16a
        • Second Annual review of Specific Direction 12
        • Specific Direction 21: CHAPS APP scam reimbursement requirement
        • Specific Direction revoking Specific Directions 3 and 3a
      • Forms
        • Application for disputes form
        • Individual Rights Form
        • Complaints about the PSR form
        • FOI request form
      • PSR News
        • PSR news - Autumn 2022
        • PSR quarterly update Autumn 2021
        • PSR quarterly update Summer 2021
        • PSR news - Spring 2023 edition
        • PSR news – 2022 in review
        • PSR quarterly update Summer 2020
        • PSR news - Autumn 2023 edition
        • PSR News - 2023 in review
      • Access and governance reports
        • Access and governance report 2015
        • Visa Europe Ltd (Visa Europe) - compliance report for 2017
        • Mastercard Inc - compliance report for 2017
        • Faster Payments Scheme Ltd (FPSL) - compliance report for 2017
        • CHAPS Clearing Company Ltd (CHAPS Co) - compliance report for 2017
        • Cheque and Credit Clearing Company (C&CCC) - compliance report for 2017
        • LINK Scheme Ltd (LINK) - compliance report for 2017
        • Bacs Payment Schemes Ltd (BPSL) - compliance report for 2017
        • Visa Europe Ltd (Visa Europe) - compliance report for 2016
        • Bacs Payment Schemes Ltd (BPSL) - compliance report for 2016
        • CHAPS Clearing Company Ltd (CHAPS Co) Faster Payments - compliance report for 2016
        • Link Scheme Ltd (Link Scheme) - compliance report for 2016
        • Cheque and Credit Clearing Company Ltd (C&CCCL) - compliance report for 2016
        • Faster Payments Scheme Ltd (FPSL) - compliance report for 2016
        • Mastercard Inc - compliance report for 2016
        • Access and governance report - Annex: The operator's progress in 2016
        • Access and governance report 2017 - factsheet
        • Access and governance report on payment systems 2019 - Visa Europe
        • Access and governance report on payment systems 2019 - Pay.uk
        • Factsheet - access and governance report June 2019
        • Access and governance report on payment systems 2017
        • Factsheet - Access and governance report on payment systems 2018
        • Access and governance report on payment systems 2019 - LINK Scheme Ltd
        • Access and governance report on payment systems 2018 - update on progress
        • Access and governance report on payment systems 2019 - Mastercard
      • Working group and forum documents
        • FCA/PSR Access to Cash - Steering Group (meeting minutes - 9 November 2020)
        • Consumer and SME Roundtable (minutes - 4 December 2020)
        • First Forum meeting - draft minutes
        • First Forum meeting - ANNEX 2 Summary of Discussions Held at the Payments Community Event
        • First Forum meeting - ANNEX 1 Strategy Setting Principles and Priorities
        • First Forum meeting - Strategy Setting Principles and Priorities
        • First Forum meeting - Payments Strategy Forum Terms of Reference – Draft
        • First Forum meeting - Forum Work Programme
        • First Forum meeting - Composition of the Payments Strategy Forum
        • First Forum meeting - Payments Strategy Forum Agenda
        • First Forum meeting - Payments Community engagement
        • Forum - draft terms of reference
        • Payments Strategy Forum: call for members
        • Working Group 2 - Discussion Paper 3 - Developing the Payments Strategy Forum terms of reference
        • Working Group 2 - Agenda
        • Working Group 3 - Presentation - How the Authorities will interact with the Forum
        • Working Group 3 - Agenda
        • Working Group 3 - Discussion paper 4 - Progress on terms of reference
        • Working Group 1 - Agenda
        • Working Group 1 - Discussion Paper 2 - Agreeing selection process for Independent Forum Chair
        • Working Group 1 - Discussion paper 1 - Agreeing the objectives and scope of the Payments Strategy Forum
        • Payments Strategy Forum Q&A
        • Second Forum meeting - Horizon scanning working group terms of reference
        • Second Forum meeting - Horizon scanning working group work plan
        • Second Forum meeting - Horizon scanning working group report
        • Second Forum meeting - Financial crime working group Forum report
        • Second Forum meeting - Forum engagement
        • Second Forum meeting - Annex 1: High level work programme
        • Second Forum meeting - Payments Strategy Forum terms of reference - final
        • Second Forum meeting - Payments Strategy Forum minutes 08102015 - final
        • Second Forum meeting - Payments Strategy Forum agenda
        • Second Forum meeting - draft minutes
        • Second Forum meeting - Forum away day output
        • Second Forum meeting - Forum strategy; objectives, principles and structure
        • Second Forum meeting - Evaluation framework
        • Second Forum meeting - High level work programme
        • Second Forum meeting - Simplifying access to markets working group terms of reference
        • Second Forum meeting - End user needs working group forum report
        • Second Forum meeting - End user needs working group work plan
        • Second Forum meeting - End user needs working group terms of reference - final draft
        • Second Forum meeting - Simplifying access to markets working group work plan
        • Second Forum meeting - Financial crime working group terms of reference
        • Second Forum meeting - Financial crime working group work plan
        • Second Forum meeting - Simplifying access to markets working group Forum report
        • Payments Community Roundtables Agenda
        • Payments Community Briefing Document - January 2016
        • Payments Strategy Forum: Roundtable Presentation - January 2016
        • PSO Delivery Group: Communications Approach
        • PSO and UKPA SLT briefing - January 2017
        • PSO DG Meeting summary 2 December 2016
        • PSO DG Meeting summary 22 November 2016
        • PSO DG Meeting summary 1 November 2016
        • PSO DG Terms of Reference
        • PSO DG Register of Interests
        • PSO DG Meeting summary 24 January 2017
        • PSO DG Meeting summary 10 January2017
        • PSO DG Meeting summary 20 December 2016
        • PSO DG Meeting summary 28 March 2017
        • PSO DG Meeting summary 24 April 2017
        • PSODG Revised Terms of Reference
        • New Payment System Operator
        • PSO DG Meeting summary 21 March 2017
        • PSO DG Meeting summary 7 March 2017
        • PSO DG Meeting summary 14 March 2017
        • PSO DG Meeting summary 28 February 2017
        • PSO DG Meeting summary 7 February 2017
        • PSO DG Meeting summary 30 May 2017
        • PSO DG Meeting summary 13 June 2017
        • PSO DG Meeting summary 27 June 2017
        • PSO DG Meeting Summary 11 July 2017
        • PSO DG Meeting summary 17 May 2017
        • FCA/PSR Access to Cash - Working Group 1: Consumer and SME Needs (meeting minutes - 9 October 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 2 October 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 8 October 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 1 October 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 12 October 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 1 October 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 15 October 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 12 November 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 5 November 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (Terms of Reference)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 26 November 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 19 November 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 22 October 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 14 October 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (Terms of Reference)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (Terms of Reference)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 22 October 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 2 November 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 16 November 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 24 November 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 16 November 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 9 November 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 2 November 2020)
        • FCA/PSR Access to Cash - Working Group 4: Digital Transition (meeting minutes - 1 December 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 30 November 2020)
        • FCA/PSR Access to Cash - Working Group 2: Access to Branch Services (meeting minutes - 3 December 2020)
        • FCA/PSR Access to Cash - Working Group 3: Access to Cash Withdrawals (meeting minutes - 10 December 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (Terms of Reference)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 26 November 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 29 October 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 5 November 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 12 November 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 19 November 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 22 October 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 15 October 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 3 December 2020)
        • FCA/PSR Access to Cash – Working Group 1: Consumer and SME Needs (meeting minutes - 8 December 2020)
        • FCA/PSR Access to Cash - Steering Group (meeting minutes - 18 December 2020) (1)
        • FCA/PSR Access to Cash - Steering Group (meeting minutes - 16 October 2020)
        • Design of the Future Entity Working Group Terms of Reference
        • Variable Recurring Payments (Non-Sweeping) Working Group Terms of Reference
        • Authorised push payment (APP) scams conference call – 30 March 2020
        • VRP working group blueprint
      • Open letters
        • PSR's open letter to Specific Direction 10 banks and UK Finance - July 2021
        • 2019 Information notices issued by the PSR in relation to monitoring of the EU Interchange Fee Regulation
        • 2020 Information notices issued by the PSR in relation to monitoring of the EU Interchange Fee Regulation
        • PSR's open letter to the New Payment System Operator (NPSO)
        • New Payment System Operator (NPSO) replies to PSR's open letter
        • Joint Regulatory Oversight Committee letter to Open Banking Limited
        • PSR response to HM Treasury and Bank of England digital pound consultation
        • PSR responds to CMA
        • Our letter to the Chair of the Treasury Select Committee about Britain's free-to-use cash machines
        • Hannah Nixon's letter to the Chair of the Treasury Select Committee January 2018
        • The PSR's letter to LINK
        • PSR's open letter to Pay.UK Limited - May 2019
        • PSR and Bank of England joint statement on PSODG report
        • Factsheet - PSR response to Which? super-complaint
        • Which? authorised push payment super-complaint: our response
        • Super-complaint from Which?
        • 2018 Information notices issued by the PSR in relation to monitoring of the EU Interchange Fee Regulation
        • Information requests from the PSR in relation to the EU Interchange Fee Regulation
        • PSR's letter to Pay.UK on result of latest New Payments Architecture assurance point
        • PSR's letter to Pay.UK on approach to reviewing FPS reimbursement monitoring proposals
        • PSR's letter to Pay.UK on NPA work programme
        • PSR's letter to FPS participants on APP scams reimbursement
        • The PSR's response to the CMA's consultation on digital markets competition regime guidance
        • Letter to online, social media and tech firms: upcoming PSR fraud enabler data
        • PSR letter to Bank of England on CHAPS January 2025
        • PSR response to Government call for regulators to support growth
        • FCA and PSR response to CMA's invitation to comment on its Strategic Market Status Investigations
      • PSR Strategy documents
        • Strategy outcomes progress report
        • Our proposed strategy
        • The PSR Strategy
        • strategyupdate2025
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