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    • PSR governance
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    • The PSR purpose
    • How the PSR is funded
    • How the PSR Panel works
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    • The Policy Statement
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  • 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
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    • 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
      • Faster Payments System (FPS) and CHAPS participants
    • 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
    • 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
    • APP Scams Reimbursement Dashboard
    • About the PSR
  • 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
        • PS15/2 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
        • charles-randell-stepping-down-2022
        • Confirmation of Payee Phase 2 response to call for views and APP scams update
        • 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
        • PSR’s annual report shows a year of significant milestones
        • Payments Vision Delivery Committee Update
        • The PSR responds to the Government's consultation on its consolidation with the FCA
    • 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
        • The consumer perspective on payments in 2025
    • 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
    • Consultations
      • CP24/1 Card-acquiring market remedies: consultation on proposed revisions to Specific Directions 14, 15 and 16
      • CP23/12 Call for views: Expanding variable recurring payments
      • 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 Stakeholder submissions on IFR Guidance: EU withdrawal consequential changes consultation
      • CP21/10 APP scams consultation on measures
      • 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
      • CP22/5 Revised approach to APP scams Measure 1 Metric C process
      • CP22/6 PSR regulatory fees 2023/24
      • CP23/1 APP scams data publishing guidance
      • CP23/4 APP fraud reimbursement requirement: draft legal instruments
      • CP20/2 Stakeholder responses to call for input on competition and innovation in the New Payments Architecture
      • Access to cash factsheet (July 2020)
      • CP23/5 APP scams measure 1 cycle 2 reporting guidance
      • CP15/1 PSR competition concurrency guidance
      • CP16/4 Draft guidance on our approach to handling applications under sections 56 and 57 FSBRA
      • CP16/4 Consultation paper on our approach to handling applications under sections 56 and 57 FSBRA
      • CP15/26 PSR regulatory fees 2015/16
      • CP16/35 PSR regulatory fees 2017/18
      • CP18/2 Draft Specific Direction 8: protected ATMs
      • CP15/2 Voluntary redress schemes in competition cases
      • CP15/44 PSR regulatory fees 2016/17
      • CP16/1 Guidance on the PSR's approach for designation of alternative switching schemes under the Payment Accounts Regulations 2015
      • CP16/1 Consultation on the application of the Payment Accounts Regulations in respect of alternative arrangements
      • CP16/2 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
      • CP18/3 Onshoring EU Regulatory Technical Standards under the Interchange Fee Regulation consultation
      • CP19/1 Draft Specific Direction 4: Competitive procurement of central infrastructure
      • CP19/2 Draft Specific Direction 9: Crisis Communications (Visa)
      • MR18/1.3 Consultation on our proposed pass-through analysis
      • MR18/1.1 Draft Terms of Reference: Market review into the supply of card-acquiring services
      • DP18/1 Data in the Payments Industry discussion paper
      • CP17/2 APP scams: mitigating the impact of scams and consulting on a contingent reimbursement model
      • CP15/14 FCA regulated fees and levies: rates proposals 2015/16
      • CP17/44 PSR regulatory fees 2018/19
      • CP18/1 Review of the PSR Directions made in 2015 (General Directions 1-6 and Specific Direction 1)
      • Factsheet: Mitigating the impact of APP scams
      • CP18/8 PSR regulatory fees 2019/20
      • Fraud prevention and resolution in push payment report
      • CP14/1 A new regulatory framework for payment systems in the UK
      • Infographic: Stopping the scammers
      • CP17/1 Direct Debit Facilities Management: Switching service provider
      • CP17/30 PSR regulatory fees 2018/19
      • CP17/9 PSR regulatory fees 2017/18
      • Draft Terms of Reference: Authorised push payment scams – the role of operators
      • CP16/5 Draft Financial Penalty Scheme
      • Call for input from PSPs: Authorised push payment scams – the role of operators
      • CP15/3 The application of the Interchange Fee Regulation in the UK: Phase 1
      • CP14/1 Factsheet: A new regulatory framework for payment systems in the UK
      • Annex 3 - letter from GoCardless
      • CP16/5 Our proposed method for allocating the money we retain from financial penalties that we have imposed
      • GC15/2 Draft guidance on the PSR’s approach as a competent authority for the EU Interchange Fee Regulation
      • CFI15/1 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
      • CP18/4 Stakeholder 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
      • CP18/4 Consultation on general directions for the implementation of Confirmation of Payee
      • CP19/7 PSR Powers and Procedures Guidance Consultation
      • CP19/3 Decision on the review into our 'day one' Directions and consultation on proposed Directions
      • CP20/1 Confirmation of Payee: Proposal to vary Specific Direction 10
      • CP20/1 Stakeholder submissions on our proposal to vary Specific Direction 10
      • 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
      • CP19/7 Stakeholder responses to our consultation on our Powers and Procedures Guidance
      • CP21/4 Stakeholder submissions to call for views on consumer protection in interbank payments
      • CP21/9 Draft Specific Direction on maintaining free-to-use ATMs
      • CP22/1 Stakeholder submissions to card-acquiring market review initial remedies
      • CP22/3 Card-acquiring market review remedies provisional decision
      • CP22/3 Stakeholder submissions to card-acquiring market review remedies provisional decision
      • CP23/2 Proposed revised penalty statement consultation
      • Call for views: First review of Specific Direction 12 (LINK)
      • CP14/1 Supporting Paper 1: The PSR and UK payments industry
      • CP14/1 External reports: London Economics report on competition and collaboration
      • ​Non-confidential responses to the March 2014 PSR call for inputs
      • CP14/1 Supporting Paper 5: Interchange fees
      • CP14/1 Supporting Paper 4: Access to payment systems
      • CP14/1 Questionnaire on access to interbank payment systems
      • CP14/1 External reports: Ofcom/PSR joint study
      • CP14/1 Supporting Paper 6: Regulatory tools
      • CP14/1 External reports: Accenture governance report
      • CP14/1 External reports: KPMG infrastructure report
      • CP14/1 External reports: RPI regulatory approach report
      • CP14/1 Consultation questions response template
      • CP14/1 Supporting Paper 3: Ownership, governance and control of payment systems
      • CP14/1 Questionnaire on Access to Card Payment Systems
      • CP14/1 Supporting Paper 2: Payments industry strategy and areas for collaboration
      • CP14/1 External reports: RPI paper on international approaches
      • CP14/1 External reports: Accenture innovation report
      • CP14/1 Stakeholder responses (R to Y)
      • CP14/1 Stakeholder responses (A to B)
      • CP14/1 Stakeholder responses (I to P)
      • CP14/1 Consultation responses (C to H)
      • CP17/2 Stakeholder responses on the development of a contingent reimbursement model
      • CP18/2 Summary of key comments from submissions on protected ATMs consultation
      • MR18/1.4 Consultation on our card-acquiring services merchant survey questionnaire
      • CP18/1 Stakeholder reponses to review of 'day one' directions
      • Pay.UK’s responses to our consultation on the delivery of the NPA
      • CP23/7 APP fraud: The consumer standard of caution
      • CP23/6 APP fraud: Excess and maximum reimbursement level for FPS and CHAPS
      • CP23/8 APP scams measure 1 cycle 2: additional changes to timeline and reporting periods
      • CP23/9 Proposed revisions to our Powers and Procedures Guidance
      • CP23/10 Specific Direction on FPS participants: implementing the reimbursement requirement
      • 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
      • RP24/1 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
      • CP25/2 Revocation of Specific Direction 4
    • Policy statements
      • PS19/2 Specific Direction 4a (Procurement: LINK)
      • Regulatory Technical Standards Regulation under the UK Interchange Fee Regulation as applies in the UK
      • PS21/1 Interchange fee regulation: revised guidance
      • Interchange fee regulation: guidance on our approach to monitoring and enforcing compliance
      • RP21/1 Confirmation of Payee phase 2: consultation response
      • PS21/3 New Payments Architecture regulatory framework published
      • RP21/2 Lowering risks to the New Payments Architecture (NPA) delivery: final changes to Specific Directions 2 and 3
      • 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
      • PS16/1 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
      • PS16/3 The application of the Interchange Fee Regulation in the UK: Phase 2
      • PS15/25 PSR regulatory fees 2015/16
      • The Competition and Markets Authority's guidance on voluntary redress schemes
      • Form: PSR voluntary redress scheme application – existing infringement decision
      • Form: 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 Payment Accounts Regulations
      • PS16/2 The application of the Payment Accounts Regulations in respect of alternative arrangements for switching accounts
      • Final Super-complaints Guidance
      • Onshoring EU Regulatory Technical Standards under the Interchange Fee Regulation: EU Exit Instrument and Policy Statement
      • PS18/12 PSR regulatory fees
      • Outcome of consultation on the development of a contingent reimbursement model
      • Factsheet: The PSR’s approach to monitoring and enforcement under the Payment Services Regulations 2017
      • PSR regulatory fees: 2018/19 fees figures
      • Authorised push payment scams: the role of payment system operators – final Terms of Reference
      • PS15/1 A new regulatory framework for payment systems in the UK
      • PS17/1 Our decision on the Financial Penalties Scheme
      • The PSR’s approach to monitoring and enforcement under the Payment Services Regulations 2017
      • Contactless mobile payments: our report
      • PS17/17 PSR regulatory fees 2017/18
      • Competition Act 1998 (CA98) Guidance
      • PS17/3 Direct Debit Facilities Management: Switching providers – decision on changes to the Bacs Direct Debit rules
      • PS15/2.2 Guidance on the PSR's market reviews powers and procedures
      • PS16/17 PSR regulatory fees 2016/17
      • Application for designation under the Payment Accounts Regulations
      • Decision on designation under the Payment Accounts Regulations
      • Factsheet: PS15/1 A new regulatory framework for payment systems in the UK
      • PS15/1A Annexes: A new regulatory framework for payment systems in the UK
      • PS15/2 Final PSR competition concurrency guidance and responses to CP15/1
      • CP19/2 Responses to our consultation on Specific Direction 9 (Crisis Communications: Visa)
      • 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: consultation response
      • Second annual review of Specific Direction 8 (2021)
      • PS21/2 Consumer protection in interbank payments: consultation response
      • 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
      • RP22/3 PSR response to Digital Payments Initiative report
      • Publishing APP fraud data: A guide for PSPs
      • APP scams measure 1 cycle 2 data reporting guidance for PSPs
      • PS23/4 APP scams reimbursement policy statement
      • Our framework for reviewing generally applicable requirements
      • PS24/1 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
      • Factsheet: 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
      • PS25/2 The PSR's Compliance Monitoring Framework
      • APP scams cycle 3 data publication: reporting guidance
      • 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
      • PS25/6 Decision to revoke Specific Directions 4 and 4a
      • PS25/7 Decision to revoke Specific Direction 2 and 2a
      • Factsheet: Outcome of our consultation about a contingent reimbursement model
      • Indicative Policy Work Programme (from 2015)
    • 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
      • Factsheet: Access and governance report 2017
      • 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
      • Access and governance report on payment systems: update on progress
      • Access and Governance Report on Interbank Payment Systems January 2022
    • 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: PSR Annual Plan and Budget 2022/23
      • Factsheet: PSR Annual Plan and Budget 2023/24
      • Payment Systems Regulator Annual Report and Accounts 2014/2015
      • Factsheet: PSR Annual Report and Accounts 2015/16
      • Payment Systems Regulator Annual Report and Accounts 2015/16
      • Payment Systems Regulator Annual Plan and Budget 2016/17
      • Payment Systems Regulator Annual Plan and Budget 2018/19
      • Payment Systems Regulator Annual Plan and Budget 2015/16
      • PSR Panel Annual Report 2015/16
      • Factsheet: PSR Annual Plan and Budget 2018/19
      • PSR Panel Annual Report 2017/18
      • Payment Systems Regulator Annual Plan and Budget 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
      • Factsheet: PSR Annual Report and Accounts 2016/17
      • PSR stakeholder perceptions survey 2016
      • Payment Systems Regulator Annual Plan and Budget 2019/20
      • Factsheet: PSR Annual Plan and Budget 2019/20
      • Payment Systems Regulator Annual Report and Accounts 2018/19
      • Factsheet: PSR Annual Plan and Budget 2020/21
      • Payment Systems Regulator Annual Plan and Budget 2020/21
      • Payment Systems Regulator Annual Report and Accounts 2019/20
      • Factsheet: PSR Annual Report and Accounts 2019/20
      • Factsheet: PSR Annual Plan and Budget 2021/22
      • Factsheet: PSR Annual Report and Accounts 2020/21
      • Payment Systems Regulator Annual Report and Accounts 2021/22
      • Factsheet: PSR 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: PSR Annual Report and Accounts 2022/23
      • Factsheet: PSR Annual Report and Accounts 2017/18
      • Factsheet: PSR Annual Plan and Budget 2017/18
      • 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
      • Payment Systems Regulator Annual Report and Accounts 2024/25
      • PSR Panel Annual Report 2023/24
      • PSR Panel Annual Report 2022/23
      • PSR Panel Annual Report 2020/21
      • PSR Panel Annual Report 2018/19
      • PSR Panel Annual Report 2019/20
      • PSR Panel Annual Report 2024/25
    • 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
      • PSR Board minutes - May 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
      • 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 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
      • 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-December 2019
      • 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
      • 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
      • PSR Board minutes - 19 March 2025
      • 2024/25 Gifts, hospitality and expenses: Alex Olive
      • 2024/25 Gifts, hospitality and expenses: David Geale
      • 2024/25 Gifts, hospitality and expenses: Oliver Hanmer
      • 2024/25 Gifts, hospitality and expenses: Natalie Golding
      • 2024/25 Gifts, hospitality and expenses: Daniel Moore
      • 2024/25 Gifts, hospitality and expenses: Aidene Walsh
      • 2024/25 Gifts, hospitality and expenses: Kate Fitzgerald
      • 2024/25 Gifts, hospitality and expenses: Andrew Buckley
      • 2024/25 Gifts, hospitality and expenses: Lara Stoimenova
      • 2024/25 Gifts, hospitality and expenses: Joanna Whittington
      • 2024/25 Gifts, hospitality and expenses: Tommaso Valletti
      • 2024/25 Gifts, hospitality and expenses: Edward Knapp
      • 2024/25 Gifts, hospitality and expenses: Sheldon Mills
      • MoU between the Bank of England, FCA, PSR and PRA
      • PSR regulatory fees: 2025/26 fees figures
      • PSR board minutes - 21 May 2025
      • PSR board minutes - 25 June 2025
      • Q1 2025/26 Gifts, hospitality and expenses: Alex Olive
      • Q1 2025/25 Gifts, hospitality and expenses: Daniel Moore
      • Q1 2025/26 Gifts, hospitality and expenses: David Geale
      • Q1 2025/26 Gifts, hospitality and expenses: Edward Knapp
      • Q1 2025/26 Gifts, hospitality and expenses: Tommaso Valletti
      • Q1 2025/26 Gifts, hospitality and expenses: Aidene Walsh
      • Q1 2025/26 Gifts, hospitality and expenses: Joanna Whittington
      • Q1 2025/26 Gifts, hospitality and expenses: Lara Stoimenova
      • Q1 2025/26 Gifts, hospitality and expenses: Oliver Hanmer
      • Q1 2025/26 Gifts, hospitality and expenses: Sheldon Mills
      • Q1 2025/26 Gifts, hospitality and expenses: Claire Simpson
      • Q1 2025/26 Gifts, hospitality and expenses: Natalie Golding
    • Forms
      • Application for disputes form
      • Individual Rights Form
      • Complaints about the PSR form
      • FOI request form
    • Legal directions and decisions
      • General Directions
      • Specific Direction 7
      • 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
      • Specific Direction 19: APP scams Faster Payments Operator monitoring
      • Specific Direction 20: FPS APP scam reimbursement requirement
      • 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
      • Specific Direction revoking Specific Directions 2 and 2a
      • Specific Direction revoking Specific Directions 4 and 4a
      • Specific Direction 10 (Confirmation of Payee) (Varied February 2020)
      • Specific Direction 9 (Crisis Communications: Visa)
    • Market reviews
      • MR18/1.8 Market review into the supply of card-acquiring services: Final report
      • 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
      • MR15/1.1 Final terms of reference: market review into the supply of indirect access to payment systems
      • MR15/2.2 Annex: market review into the ownership and competitiveness of infrastructure provision
      • MR15/2.1 Final terms of reference: market review into the ownership and competitiveness of infrastructure provision
      • MR15/1.2 Annexes: market review into the supply of indirect access to payment systems
      • MR15/2.2 Stakeholder responses to our interim report on the ownership and competitiveness of infrastructure provision in payment systems
      • MR15/1.3 Final report: market review into the supply of indirect access to payment systems
      • MR15/1.3 Factsheet: market review into the supply of indirect access to payment systems final report
      • MR15/1.2 Factsheet: market review into the supply of indirect access to payment systems
      • MR15/2.3 Factsheet: market review into the ownership and competitiveness of infrastructure provision
      • MR15/2.3 Stakeholder responses to our final report on the ownership and competitiveness of infrastructure provision in payment systems
      • 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 (as part of our market review into the ownership and competitiveness of infrastructure provision)
      • MR15/2.2 Interim report: market review into the ownership and competitiveness of infrastructure provision
      • Lipis report: Payment system ownership and access model
      • MR15/1.2 Access theory and practice report: market review into the supply of indirect access to payment systems
      • MR15/1.2 Interim report: market review into the supply of indirect access to payment systems
      • MR15/2.2 Factsheet: interim report on the ownership and competitiveness of infrastructure provision in payment systems
      • MR15/1 Market review into the supply of indirect access to payment systems: draft terms of reference
      • MR15/2.4 Annex 3: Market review into the ownership and competitiveness of infrastructure provision remedies consultation
      • MR15/2.5 Annex 3: Market review into the ownership and competitiveness of infrastructure provision remedies decision
      • MR15/2.3 Annexes: market review into the ownership and competitiveness of infrastructure provision
      • MR15/2.4 Annexes 1 and 2: Market review into the ownership and competitiveness of infrastructure provision remedies consultation
      • 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
      • MR15/1.2 Stakeholder responses to our interim report on the supply of indirect access to payment systems
      • MR15/1 Stakeholder responses to indirect access market review draft terms of reference
      • MR15/2 Stakeholder 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 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: card-acquiring market review merchant survey technical report
      • MR18/1.7 Annex: card-acquiring market review merchant survey results
      • MR18/1.7 Annex 5: Card-acquiring market review – Barriers to entry and expansion
      • MR18/1.7 Glossary: Card-acquiring market review
      • MR18/1.7 Annex 4: Card-acquiring market review – Scheme fees
      • MR18/1.7 Annex 1: Card-acquiring market review – Industry background
      • MR18/1.7 Annex 2: Card-acquiring market review – Pass-through analysis
      • MR18/1.7 Annex 3: Card-acquiring market review – Financial 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
      • MR15/2.5 Annexes 1 and 2: Market review into the ownership and competitiveness of infrastructure provision remedies decision
      • MR18/1.2 Final terms of reference for market review into the supply of card-acquiring services
      • MR18/1.1 Stakeholder 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: card-acquiring services market review
      • Draft undertakings for the confidentiality ring used for pass-through disclosure: card-acquiring services market review
      • 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 and online quotation tool templates
      • 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: Market review into the ownership and competitiveness of infrastructure provision remedies decision
      • MR15/2.4 Factsheet: Market review into the ownership and competitiveness of infrastructure provision remedies consultation
      • 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
      • MR22/1.6 Stakeholder submissions: 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
      • MR15/2.4 Stakeholder responses to remedies consultation: Market review into the ownership and competitiveness of infrastructure provision
    • Open letters
      • PSR's open letter to Specific Direction 10 banks and UK Finance
      • 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
      • Strategy outcomes progress report
      • Our proposed strategy
      • The PSR Strategy
      • PSR Strategy Update (2025)
    • PSR News
      • PSR news - Autumn 2022 edition
      • 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
    • Working group and payments forum
      • 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 - 30 September 2020)
      • 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)
      • 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
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