Electronic money and payment services – key publications

Read the key publications relating to the Payment Services Directive, Electronic Money Regulations and Payment Services Regulations.

Payment Services and Electronic money – Our Approach Document

The Payment Services and Electronic Money Approach Document contains our guidance on payment services and electronic money. It is designed to help businesses navigate the Payment Services Regulations 2017 and the Electronic Money Regulations 2011, and understand our approach in this area.

The May 2026 version of the Approach Document reflects rules and guidance on safeguarding and resolution packs in CASS 10A and 15, safeguarding audits and monthly returns in SUP, and account termination updates.

Type

Publication

FCA documents

Payment Services and Electronic Money – Our Approach – May 2026

Payment Services and Electronic Money – Our Approach – May 2026 – draft

Payment Services and Electronic Money – Our Approach – March 2026

Handbook Notice 136 – Contactless payments guidance (tracked changes on pages 31-34) – December 2025

Contactless Payment Limits – Engagement Paper – March 2025

Payment Services and Electronic Money – Our Approach – November 2024

Payment Services and Electronic Money – Our Approach – November 2024 (tracked changes)

Payment Services and Electronic Money – Our Approach – November 2021

Payment Services and Electronic Money – Our Approach – June 2019 (tracked changes)

Payment Services and Electronic Money – Our Approach – December 2018

Payment Services and Electronic Money – Our Approach – December 2018 (tracked changes)

Payment Services and Electronic Money – Our Approach – July 2018

Payment Services and Electronic Money – Our Approach – July 2018 (tracked changes)

Payment Services and Electronic Money – Our Approach – September 2017

PS 17/19 Implementation of the revised Payment Services Directive (PSD2): Approach Document and final Handbook changes – September 2017

CP 17/22 Revised Payment Services Directive (PSD2) implementation: draft authorisation and reporting forms – July 2017

CP17/11 Implementation of the revised Payment Services Directive (PSD2): draft Approach Document and draft Handbook changes – April 2017

Feedback Statement Call for Input: the FCA’s approach to the current payment services regime – November 2016

Call for Input: the FCA’s approach to the current payment services regime – February 2016

Type	Payment Services	Electronic Money
FCA documents	The FCA's role under the Payment Services Regulations 2009 Our approach [PDF] – June 2013 Tracked changes version of the June 2013 version of the Approach Document [PDF]	The FCA’s role under the Electronic Money Regulations 2011: Our approach [PDF] – June 2013 Tracked changes version of ‘The FCA’s role under the Electronic Money Regulations 2011: Our approach' [PDF] – June 2013
FSA documents	The FSA's role under the Payment Services Regulations 2009 Our approach [PDF] – October 2012 CP12/3 Regulated fees and levies: Rates proposals 2012/2013 – February 2012 Perimeter Guidance (Payment Services Scope) Instrument 2009 (PERG 15) - March 2009 PS09/4 – March 2009 Implementation of the Payment Services Directive – changes to the FSA Handbook Feedback on CP08/14 and final rules Industry briefing slides [PDF] – March/April 2009	The FSA’s role under the Electronic Money Regulations 2011: Our approach [PDF] – March 2011 Consultation Paper 12/3 - February 2012 ‘Regulated fees and levies: Rates proposals 2012/2013 Guidance on the scope of the Electronic Money Regulations 2011 (PERG 3A) Policy Statement 11/02 - February 2011 Implementation of the second Electronic Money Directive – supplement to HM Treasury’s consultation – feedback on CP10/25 and part of CP10/24, and final rules Consultation Paper 10/25 – October 2010 Implementation of the second Electronic Money Directive – supplement to HM Treasury’s consultation
External documents	The Payment Systems and Services and Electronic Money (Miscellaneous Amendments) Regulations 2017 Payment Services Regulations 2017 Payment Services Regulations 2009 Payment Services (Amendment) Regulations 2009 Payment Services Regulations 2012 Payment Services Directive Revised Payment Services Directive European Banking Authority Publications European Commission page on payment services	Electronic Money Regulations 2011 The second Electronic Money Directive HM Treasury’s consultation on implementing the second Electronic Money Directive and the summary of responses HM Treasury’s summary of responses to the Electronic Money Directive Consultation

10/02/2023 : Editorial amendment page update as part of the website refresh

15/11/2021 : Link changed FSA urls linking to National Archives

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Electronic money and payment services – key publications

Payment Services and Electronic money – Our Approach Document