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Payments and e-money.

Authorised payment institutions and e-money institutions, working under the Payment Services and Electronic Money Regulations and the Handbook.

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In 2026/27, 533 authorised payment institutions and 261 e-money institutions pay FCA fees 4.

What is different here

What applies in 2026 and 2027

  • APP fraud reimbursement is capped at £85,000 per claim 40; the PSR's evaluation found reimbursement rose to 65% of all claims 41.
  • Operational incident and third-party reporting rules apply from 18 March 2027 37.

Services that fit

ComplaintsWe run or rebuild your complaints process, meet the DISP clocks, calculate redress, and turn complaints into the root-cause evidence DISP asks for.Consumer DutyWe set up outcomes monitoring that answers the four outcome tests from your own data, and produce the report your governing body has to approve every year.Retained complianceSenior practitioners on retainer for any FCA-regulated firm, with gap analysis, policy reviews and FCA correspondence handled for you.Regulatory reportingReturns and product sales data prepared from your systems and reconciled line by line, with PSD files validated against the FCA's own schema before you submit.

Software that fits

GuardianThe ultimate compliance monitoring platform, in productionComplaints & FOS AIStructured complaints, systemic-issue detection, DISP clocks and evidence-backed drafting.Regulatory Change AIReads Handbook changes and FCA publications, and updates obligations and controls.

Latest updates for payments and e-money

All regulatory updates

Sources

  1. 4 FCA PS26/14, fee-block populations 2026/27
  2. 40 PSR PS24/7 APP scams maximum reimbursement
  3. 41 PSR: payment fraud falls following reimbursement
  4. 37 FCA operational incident and third-party reporting

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