Five datasets on how the UK pays.
Payment volumes, fraud losses, credit-card balances, online retail spend and merchant card-acceptance fees, covered across five research reports. Every figure traced to UK Finance, the PSR, Pay.UK, the Bank of England or the ONS. No vendor surveys.
UK Payments
Statistics & Trends
Twenty years of how the UK pays: cards, Faster Payments, Bacs, CHAPS, cash and cheques, with 2025 rail totals and the £100 cap removed.
▲ 9.0% · OB hits 351m
Payment Fraud
Loss categories, deepfake-driven investment scams, and the PSR mandatory APP-reimbursement regime through its first full year.
APP refunds 88% in Year 1
Credit Cards
Balances at a multi-year high, APRs at a 20-year peak, and BNPL entering the FCA perimeter on 15 July 2026.
▲ 11.8% · APR 35.8%
E-commerce
Online share now stable, digital wallets at 40%, CNP fraud rising despite SCA, and agentic AI commerce emerging.
wallets 40% of value
Card Processing
What UK merchants really pay to accept cards, with PSR-to-FCA handover, the deferred cross-border cap and the Worldpay merger.
first annual fall
Methodology
& revision log
What counts as evidence here, what doesn't, and how every figure is checked and re-checked on a published cadence.
updated 3 June 2026