Skip to main content

Consultation responses

Thank you for responding to our consultation on the future of UK Payments.  We received 59 responses, to meet the Forum's objective of openness and transparency we have posted the non-confidential responses below.  All responses will influence our thinking and we will publish an assessment report, alongside the final Blueprint, that clearly articulates how the Forum has addressed feedback by the end of the year.

The Forum is currently reviewing all responses, and we are paying particular attention to emerging themes that are being raised by multiple respondents. Two such themes relate to the proposed 'Single Push Rail' and Request to Pay, and their impact on the future of Direct Debit. This emphasis confirms the importance that the Payments Community place on Direct Debit.

We would like to assure all parties that Request to Pay has been envisaged as a voluntary and complementary product and is in no way intended as a replacement for Direct Debit.  While our analysis to date has concluded that Direct Debit can be implemented on the NPA push rail, the consultation feedback has demonstrated that further work is required.  We are conducting additional analysis using the expertise of both the Forum and the New Payments System Operator (NPSO), plus the support of existing Bacs stakeholders through its established stakeholder channels.

We are grateful for the ongoing engagement of the Payments Community. We will continue to seek your input as we progress and adapt the initiatives set out in the consultation paper and as we transition activities at the end of this year.

Ruth Evans, Chair Payments Strategy Forum

October 2017.

Please note: If you open a response and it is blank you are likely using an Apple device.  To view these responses using an Apple device please click on the download and create as a new PDF.   Please be advised all responses can be viewed and downloaded using Android and non-mobile devices.   Apologies for any inconvenience caused.

A
Accenture  

Download (1 MB)

AIRFA  

Download (1007.41 KB)

Answer Digital  

Download (988.75 KB)

Atrium Club  

Download (1.81 MB)

B
Bacs Covering Letter  

Download (96.26 KB)

Bacs Submission  

Download (201.48 KB)

Barclays  

Download (348.97 KB)

Bluechain  

Download (1000.61 KB)

Bottomline  

Download (986.43 KB)

British Retail Consortium  

Download (444.53 KB)

BT  

Download (990.34 KB)

C
Cabinet Office Covering Letter  

Download (115.92 KB)

Capita Asset Services  

Download (969.71 KB)

Cenerva  

Download (152.54 KB)

Citizens Advice  

Download (117.42 KB)

Clydesdale Covering Letter  

Download (506.13 KB)

Clydesdale Submission  

Download (997.9 KB)

Cognizant  

Download (986.46 KB)

Confederation of British Industry (CBI)  

Download (212.23 KB)

CORVID PayGate  

Download (958.17 KB)

D
Department for Work and Pensions (DWP)  

Download (986.84 KB)

Dovetail  

Download (1.42 MB)

Driver and Vehicle Licensing Agency (DVLA)  

Download (997.66 KB)

DST  

Download (1 MB)

E
Eazipay  

Download (963.62 KB)

Ely Fitness Company  

Download (939.82 KB)

EquensWorldline Covering Letter  

Download (74.74 KB)

EquensWorldline Submission  

Download (1008.85 KB)

Experian  

Download (1003.46 KB)

F
Federation of Small Businesses (FSB)  

Download (965.11 KB)

FICO  

Download (956.86 KB)

Finance and Leasing Association  

Download (185.98 KB)

Financial Services Consumer Panel  

Download (70.86 KB)

Finastra  

Download (42.82 KB)

FIS  

Download (991.09 KB)

G
Government Banking  

Download (1000.29 KB)

H
HM Revenue and Customs (HMRC)  

Download (984.67 KB)

HSBC  

Download (597.47 KB)

I
ICON Solutions  

Download (986.47 KB)

J
JP Morgan  

Download (968.62 KB)

K
Kalypton  

Download (787.05 KB)

L
LBG - Introductory Remarks  

Download (298.83 KB)

LBG - Submission  

Download (359.5 KB)

M
Metro Bank  

Download (976.2 KB)

N
National Savings and Investments (NS&I)  

Download (979.06 KB)

National Trading Standards  

Download (143.84 KB)

Nationwide Covering Letter  

Download (3.73 MB)

Nationwide Submission  

Download (541.22 KB)

O
Open Banking Implementation Entity  

Download (248.77 KB)

P
Paypoint  

Download (151 bytes)

Paysafe  

Download (970.07 KB)

R
Royal Bank of Scotland  

Download (384.35 KB)

S
Santander UK PLC  

Download (426.63 KB)

SETL  

Download (1.94 MB)

SWIFT  

Download (999.84 KB)

T
TechUK  

Download (308.74 KB)

Transferwise  

Download (161.19 KB)

Transpact  

Download (1010.3 KB)

TSB  

Download (136.71 KB)

U
UK Finance  

Download (635.26 KB)

V
VocaLink  

Download (198.12 KB)

W
Which?  

Download (176.19 KB)