Pay.UK Swoosh

Industry Engagement

Effective engagement with the payments community and beyond is a key pillar of our strategy in order to deliver safe, secure and simple payments for the UK’s banks and building societies, payment providers and their customers.

As we work to deliver further benefits for our users through our products and services by effectively adapting to an evolving payments landscape, we continue to invest in industry insight to help us make decisions, set objectives, and inform our current and future work. To this end, we engage in frequent, open dialogue with a variety of stakeholders and end users at both strategic and operational levels.

Comprising board advisory councils, committees, working groups and forums, these meetings provide the wider payments community with the opportunity to be part of, inform, and challenge us on the work we do.
Details about our board advisory councils, their members, and how they help shape the ways in which we think, can be found in this section.

End users

These are individuals, businesses and organisations that make and receive payments processed through our payments platform. Collectively, our goals and our work drive benefits for end users.

Regulators and policy makers

These are organisations that set and monitor regulation and policy for the payments industry.


Our customers are organisations that directly or indirectly buy or use our payments platform to deliver services to end users. These include:

Payment service providers (PSPs), such as banks, building societies and other financial institutions.

Other commercial relationships, such as aggregators. Aggregators provide connection to our platform and related services for multiple PSPs, reducing the complexity of connecting with our platform.

Third party suppliers, such as Bureaux. Bureaux offer software and related services to PSPs and larger corporate users to enable them to submit payments to us in a compliant way.

Other solutions providers, such as suppliers of overlay services. Overlay providers are usually third-party technology firms that provide value-added overlay propositions. Overlays are software solutions that sit on top of our payment platform to provide an enhanced service.

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