Payment services and systems

Payment services and systems guidance:

Introduction to the authorisation process for electronic money institutions The recast Directive 2007/64/EC, the Electronic Money Directive (2EMD) applied the...

Practice Note

Introduction to the prudential requirements for electronic money institutions The recast Electronic Money Directive’s (Directive 2009/110/EC) (2EMD) prudential...

Practice Note

BREXIT: The UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on the...

Practice Note

Cross-border business Regulated firms will be familiar with the concept of passport, but it may be a new concept for those coming from outside the financial services...

Practice Note

This year’s Financial Services payment services annual round-up reviews some of the most significant payment services developments of 2017 and previews what is on the...

Practice Note

This year’s Financial Services payment services annual round-up reviews some of the most significant payment services developments of 2017 and previews what is on the...

Practice Note

This Interchange Fee Regulation (Regulation (EU) 2015/751) (IFR) quick guide details current UK legislation and retained EU legislation in relation to requirements that...

Practice Note

This and payment services and electronic money directives quick guide details current UK legislation and retained EU legislation and Financial Conduct Authority (FCA)...

Practice Note

This Single European Payments Area Regulation (Regulation (EU) 260/2012) (SEPA Regulation) quick guide details current UK legislation and retained EU legislation in...

Practice Note

BREXIT: UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on the...

Practice Note

The Interchange Fee Regulation (an EU regulation on interchange fees for card-based payment transactions) ((EU) 2015/751) (the IFR) was enacted in response to the...

Practice Note

BREXIT: The The UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on...

Practice Note

BREXIT: As of exit day (31 January 2020) the UK is no longer an EU Member State. However, in accordance with the Withdrawal Agreement, the UK has entered an...

Practice Note

This Practice Note explains open banking and relevant legal and commercial issues. It covers: • Background • The open banking standard • Third party providers and...

Practice Note

BREXIT: The UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on the...

Practice Note

What is the Payment Accounts Directive and what are the key protections it offers consumers? The Payment Accounts Directive (PAD) is intended to enhance transparency and...

Practice Note

The Payment Accounts Directive (Directive 2014/92/EU) (PAD) is intended to enhance transparency and comparability for consumers in respect of payment accounts. In...

Practice Note

BREXIT: The UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on the...

Practice Note

The first Payment Services Directive (2007/64/EC) (PSD1) came into force on 25 December 2007 and was required to be implemented by Member States by 1 November 2009. PSD1...

Practice Note

Background to the Payment Services Regulations 2017 The Payment Services Regulations 2017, SI 2017/752 (PSRs 2017) transposed the recast PSD2 (Directive 2015/2366/EU)...

Practice Note

Criminal offences under the Payment Services Regulations 2017 Under regulation 138 of the Payment Services Regulations 2009, SI 2017/752 (PSRs 2017), it is an offence to...

Practice Note

Background to disclosure requirements under the PSRs 2017 The second Payment Services Directive (PSD2) (Directive 2015/2366/EC) came into force on 13 January 2016 and was...

Practice Note

BREXIT: The UK is leaving EU on Exit Day (as defined in the European Union (Withdrawal) Act 2018). This has an impact on this Practice Note. For further guidance on the...

Practice Note

Background to rights and obligations under the PSRs 2017 The second Payment Services Directive (PSD2) (Directive 2015/2366/EU) came into force on 13 January 2016 and was...

Practice Note

Background to the Payment Services Regulations 2017 The Payment Services Regulations 2017, SI 2017/752 (PSRs 2017) transposed the recast PSD2 (Directive 2015/2366/EU)...

Practice Note

Brexit: As of exit day (11pm on 31 January 2020) the UK is no longer an EU Member State. However, in accordance with the Withdrawal Agreement, the UK has entered an...

Practice Note
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