Thank you for responding to our consultation on the future of UK Payments.  We received 59 responses, to meet the Forum's objective of openness and transparency we have posted the non-confidential responses below.  All responses will influence our thinking and we will publish an assessment report, alongside the final Blueprint, that clearly articulates how the Forum has addressed feedback by the end of the year.

The Forum is currently reviewing all responses, and we are paying particular attention to emerging themes that are being raised by multiple respondents. Two such themes relate to the proposed 'Single Push Rail' and Request to Pay, and their impact on the future of Direct Debit. This emphasis confirms the importance that the Payments Community place on Direct Debit.

We would like to assure all parties that Request to Pay has been envisaged as a voluntary and complementary product and is in no way intended as a replacement for Direct Debit.  While our analysis to date has concluded that Direct Debit can be implemented on the NPA push rail, the consultation feedback has demonstrated that further work is required.  We are conducting additional analysis using the expertise of both the Forum and the New Payments System Operator (NPSO), plus the support of existing Bacs stakeholders through its established stakeholder channels.

We are grateful for the ongoing engagement of the Payments Community. We will continue to seek your input as we progress and adapt the initiatives set out in the consultation paper and as we transition activities at the end of this year.

Ruth Evans, Chair Payments Strategy Forum

October 2017.

Please note: If you open a response and it is blank you are likely using an Apple device.  To view these responses using an Apple device please click on the download and create as a new PDF.   Please be advised all responses can be viewed and downloaded using Android and non-mobile devices.   Apologies for any inconvenience caused.

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Accenture PDF icon Download (1 MB)
AIRFA PDF icon Download (1007.41 KB)
Answer Digital PDF icon Download (988.75 KB)
Atrium Club PDF icon Download (1.81 MB)
B
Bacs Covering Letter PDF icon Download (96.26 KB)
Bacs Submission PDF icon Download (201.48 KB)
Barclays PDF icon Download (348.97 KB)
Bluechain PDF icon Download (1000.61 KB)
Bottomline PDF icon Download (986.43 KB)
British Retail Consortium PDF icon Download (444.53 KB)
BT PDF icon Download (990.34 KB)
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Cabinet Office Covering Letter PDF icon Download (115.92 KB)
Capita Asset Services PDF icon Download (969.71 KB)
Cenerva PDF icon Download (152.54 KB)
Citizens Advice PDF icon Download (117.42 KB)
Clydesdale Covering Letter PDF icon Download (506.13 KB)
Clydesdale Submission PDF icon Download (997.9 KB)
Cognizant PDF icon Download (986.46 KB)
Confederation of British Industry (CBI) PDF icon Download (212.23 KB)
CORVID PayGate PDF icon Download (958.17 KB)
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Department for Work and Pensions (DWP) PDF icon Download (986.84 KB)
Dovetail PDF icon Download (1.42 MB)
Driver and Vehicle Licensing Agency (DVLA) PDF icon Download (997.66 KB)
DST PDF icon Download (1 MB)
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Eazipay PDF icon Download (963.62 KB)
Ely Fitness Company PDF icon Download (939.82 KB)
EquensWorldline Covering Letter PDF icon Download (74.74 KB)
EquensWorldline Submission PDF icon Download (1008.85 KB)
Experian PDF icon Download (1003.46 KB)
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Federation of Small Businesses (FSB) PDF icon Download (965.11 KB)
FICO PDF icon Download (956.86 KB)
Finance and Leasing Association PDF icon Download (185.98 KB)
Financial Services Consumer Panel PDF icon Download (70.86 KB)
Finastra PDF icon Download (42.82 KB)
FIS PDF icon Download (991.09 KB)
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Government Banking PDF icon Download (1000.29 KB)
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HM Revenue and Customs (HMRC) PDF icon Download (984.67 KB)
HSBC PDF icon Download (597.47 KB)
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ICON Solutions PDF icon Download (986.47 KB)
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JP Morgan PDF icon Download (968.62 KB)
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Kalypton PDF icon Download (787.05 KB)
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LBG - Introductory Remarks PDF icon Download (298.83 KB)
LBG - Submission PDF icon Download (359.5 KB)
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Metro Bank PDF icon Download (976.2 KB)
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National Savings and Investments (NS&I) PDF icon Download (979.06 KB)
National Trading Standards PDF icon Download (143.84 KB)
Nationwide Covering Letter PDF icon Download (3.73 MB)
Nationwide Submission PDF icon Download (541.22 KB)
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Open Banking Implementation Entity PDF icon Download (248.77 KB)
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Paypoint PDF icon Download (151 bytes)
Paysafe PDF icon Download (970.07 KB)
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Royal Bank of Scotland PDF icon Download (384.35 KB)
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Santander UK PLC PDF icon Download (426.63 KB)
SETL PDF icon Download (1.94 MB)
SWIFT PDF icon Download (999.84 KB)
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TechUK PDF icon Download (308.74 KB)
Transferwise PDF icon Download (161.19 KB)
Transpact PDF icon Download (1010.3 KB)
TSB PDF icon Download (136.71 KB)
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UK Finance PDF icon Download (635.26 KB)
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VocaLink PDF icon Download (198.12 KB)
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Which? PDF icon Download (176.19 KB)