Payments UK commissions and publishes a variety of reports as part of our work to ensure that the UK’s payment services remain world-class. These include Payments UK policy white papers, thought leadership, independent research reports and consumer advice guides. They are available here for download by our members, the wider stakeholder community and the general public, with an overarching aim of promoting confidence in the UK’s payment services, and making them better for customers.  

All of these reports are free to download, unless otherwise stated.

Please see here for a report on 'Richer Data' which was published by the Payments Council, the organisation which preceded Payments UK.

A vision for World Class Payments in the UK - A focus on Open Access to payment systems for payment providers

Date: June 2016
Author: Payments UK

This report is about achieving the optimum arrangements for payment service providers (PSPs) who need to access the UK payments systems to enable them to be competitive and innovative.

How to avoid payment errors – a consumer guide

Date: June 2016
Author: Pay Your Way

Consumer advice on how to make electronic payments correctly, how to prevent mistakes from happening and what to do if you send a payment to the wrong account. 

Preventing payments in error

Date: June 2016
Author: Adaptive Lab

What causes mistakes in the user experience of banking apps and websites? This report summarises research carried out by digital innovation company Adaptive Lab to provide insight on the user experience of sending a payment online or with an app.

APIs – what do they mean for payments?

Date: April 2016
Author: Payments UK

This short report sets out our view on the development of an open API for UK banking and how it relates to the regulatory requirements of PSD2

Standards Collaboration Framework - Driving collaboration and efficiency in the adoption of payments standards

Date: April 2016
Author: Payments UK

The Standards Collaboration is a new one-stop shop for the industry to better access and implement the standards it relies on.

Standards - The DNA of the payments industry

Date: April 2016
Author: Payments UK

What are standards and why do they matter? 

A vision for World Class Payments in the UK - A focus on Confirmation of Payee for customers making payments

Date: April 2016
Author: Payments UK

This report highlights the potential benefits of developing a new ‘beneficiary identification’ capability for electronic payments.

Cyber Threat Intelligence: Criminological Review

Date: March 2016
Author: Payments UK

A Research Whitepaper

Cyber Threat Intelligence: Executive Summary

Date: March 2016
Author: Payments UK

An analysis of an intelligence led, threat centric, approach to Cyber Security strategy within the UK Banking and Payment Services sector

Cyber Threat Intelligence: A Research Whitepaper

Date: March 2016
Author: Payments UK

An analysis of an intelligence led, threat centric, approach to Cyber Security strategy within the UK Banking and Payment Services sector

A vision for World Class Payments in the UK - A focus on a Request to Pay capability

Date: March 2016
Author: Payments UK

This report focuses on one of the four priorities – Request to Pay – which will give customers greater control over outgoing payments such as regular bills.

A vision for World Class Payments in the UK - A focus on Enhanced Data with payments

Date: March 2016
Author: Payments UK

The report shows how making more information available with a payment could benefit UK customers.

World Class Payments - A report on how consumers around the world make payments

Date: February 2016
Author: Payments UK

The report provides an overview of how different payment methods are used in various countries in Europe and around the world. It highlights some of the key differences between the way we pay in the UK compared to other countries.

Understanding Different Payment Methods In The UK

Date: January 2016
Author: Pay Your Way

This user friendly guide - published by Pay Your Way, Payments UK’s consumer advice campaign - provides simple, practical advice on how and when to use each of the main types of payment that are available.

World Class Payments in the UK: enhancing the payments experience - An initial report

Date: August 2015
Author: Payments UK

This initial report of Payments UK’s World Class Payments project sets out a vision of the enhancements that would ensure that payments in the UK continue to be world class.

The Future of Payments

Date: August 2015
Author: Consult Hyperion

Electronic transaction consultancy Consult Hyperion’s opinion paper paints a thought provoking picture of how the future of payments in the UK might look.