The Emerging Payments Association (EPA) welcomes the opportunity to contribute to the Payment Systems Regulator’s Call for views “CP21/6: Confirmation of Payee”. The community’s response contained in this paper reflects views expressed by our members and industry experts recommended by them who have been interviewed and who are referenced. As the EPA’s membership includes a wide range of companies from across the payments value chain, and diverse viewpoints across all job roles, this response cannot and does not claim to represent the views of all members fully. We are grateful to the EPA’s members and the experts they have recommended to us, who have contributed to this response which has been drafted based on interviews and collaboration with them by Riccardo Tordera Ricchi, the EPA’s Senior Policy Manager. We would also like to express our thanks to the PSR for their continuing openness in these discussions. We hope it advances our collective efforts to ensure the UK’s payments industry continues to be progressive, world-leading and secure, and effective at serving the needs of everyone who pays and gets paid.