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Who carries the can? Indirect Access to Payment Systems: The Implications of Liability

In 2015, the Payments Strategy Forum was formed to lead a process to identify, prioritise and help to deliver initiatives where it was considered necessary for the payments industry to work together to promote collaborative innovation.

Its work was educated by detriments from the wider Payments Community on issues that prevent the UK payments market from functioning in the way the PSR envisages.
Under the simplifying access to market work, one detriment highlighted that smaller and new providers, particularly payment and e-money institutions were increasingly finding it hard to access bank accounts and as a consequence the payment systems.

The lack of opportunity to access payments systems, now classed as part of the global banking trend of ‘derisking’, denies many small and new PSPs the opportunity to access banking and payment services.

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Key Information

  • Published 25 November 2016

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