Bank of England

The Bank of England (BoE) is the central bank of the UK. The Bank of England is responsible for issuing banknotes and managing the currency with the objectives of maintaining monetary and financial stability for the benefit of British people.


European Banking Authority

The European Banking Authority (EBA) is a regulatory agency of the European Union which works to ensure effective regulation throughout the EU banking and financial sector. The overall objectives are to safeguard the orderly functioning of the banking sector, identify weaknesses, and to maintain stability.


European Central Bank

The European Central Bank (ECB) manages the euro and administers the implementation of policy within the Eurozone. The capital stock of the central bank is owned by the banks of all EU member states, and the role of the ECB is to keep prices stable, in order to support economic growth and job creation throughout these states.


European Payments Council

The European Payments Council (EPC) is a decision-making body for payments within the European banking industry. The key purpose of EPC is to represent payment service providers (PSPs), and to oversee the development of the Single Euro Payment Area (SEPA)


European Securities and Markets Authority

The European Securities and Markets Authority (ESMA) is a regulatory financial institution which provides safeguarding to the European Union’s financial system by guarding investors and promoting stability in the financial market.


Financial Conduct Authority

The Financial Conduct Authority (FCA) is an independent financial regulatory body, focusing on the conduct of retail and wholesale financial service firms, responsible for providing services to consumers and protecting the integrity of the UK’s financial markets. Previously known as the FSA, Financial Services Authority.


National Automated Clearing House Association

The National Automated Clearing House Association (NACHA) is the ACH in the United States and an organisation for the payments industry responsible for representing nearly 10,000 financial institutions via 12 Regional Payments Associations and Direct Membership.

In its capacity as an ACH network operator, NACHA is responsible for managing operating rules, enforcement and risk management, and network development.

As an industry trade organisation, NACHA provides education and accreditation, and acts as a knowledge hub for the financial industry, advising on electronic payments.

The Payments Association

The Payments Association is an advocating community for progressive payments companies, supporting them to become influencers in the payments landscape. The Payments Association also works to improve access to all people within the market, including sellers, buyers, and partners.


Pay.UK is the UK’s leading retail payments authority. Aiming to enable a vibrant economy by delivering best in class payment infrastructure and standards for the benefit of consumers and businesses everywhere, Pay.UK runs the UK’s retail payments operations, including the Bacs Payment System, the Faster Payment System and the Image Clearing System.


Payment Systems Regulator

The Payment Systems Regulator (PSR) was established in 2015. It exists to oversee the operations and development of payment systems and services in a way that effectively promotes the interests of the businesses and consumers that are using them.

UK Finance

UK Finance provides a single, collective voice for a diverse and competitive banking and finance industry. Representing around 300 firms across the industry, UK Finance acts to enhance competitiveness, support customers and facilitate innovation. Working for and on behalf of its members, UK Finance promotes a safe, transparent and innovative banking and finance industry.

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