Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Brexit definition

What does Brexit mean? Brexit is the practical shorthand in legal drafting and advice for the United Kingdom’s withdrawal from the European Union and the legal, regulatory and trading changes flowing from it. It covers the UK’s cessation of EU membership on exit day (31 January 2020) and the cessation of the EEA Agreement’s application, the end of the implementation/transition period on IP completion day (31 December 2020), and the commencement, expiry or variation of post‑withdrawal trading and regulatory arrangements, including the UK‑EU Trade and Cooperation Agreement, the Windsor Framework (amending the Northern Ireland Protocol), and UK agreements with third countries...

Mobile payments in the UK: legal framework, models and compliance—PSRs 2017, EMRs 2011, FCA/PRA, AML, data protection, premium rate services; EU PSD2/SEPA context

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Practice notes

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What are mobile payments?

The phrase ‘mobile payments’ carries different meanings depending on the audience. Stripped back, it is simply enabling a customer to use a mobile device to settle a payment to another individual or business. The European Commission, in its Green Paper ‘Towards an integrated European market for card, internet and mobile payments’, frames a mobile payment as one where the payment data and instruction are initiated, sent or confirmed via a mobile phone or device, whether for online or offline purchases of services, and of digital or physical goods. For further detail on the Commission’s Green Paper, see the EU regulatory approach to mobile payments referenced below.

In the UK, the mobile payments sector is expanding rapidly, with the arrival of Apple Pay, Google’s ‘Android Pay’ and Samsung’s ‘Samsung Pay’. The retail payments landscape has seen major technological change, including swift growth in electronic and mobile transactions and the appearance of novel types of payment services across the marketplace, putting pressure on the existing framework. This intensifying competition has led to a variety of different models for executing a mobile payment, each with distinct ways to start, send or confirm payment data across devices too...

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Web page updated on 21/05/2026

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