Responsibility UK Payments Architecture Blueprint Moves to NPSO

The blueprint for the future development of the UK’s shared payment infrastructure has passed to the New Payment System Operator (NPSO), the company that will become the single, integrated retail payment system operator for the UK. The New Payments Architecture (NPA) is a new conceptual model for the end-to-end retail payment delivery carried out by the UK’s payment schemes and market participants. It is described as the biggest change to the way payments are processed in the UK since the 1960s, ensuring payments are safe whilst also encouraging competitive innovation and unlocking business opportunities in everything from smarter uses of banking and payment data, through to new transactional services.

The NPSO has taken on responsibility for the NPA Blueprint in line with its objectives to simplify access and drive competition for payments in the UK. The NPA Blueprint was set out as the culmination of two years’ work and consultation by the Payment Strategy Forum, the body set up by the Payment Systems Regulator (PSR) to bring the payments industry and users together.


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