Subscribe to the premium edition of the Payments:Unpacked newsletter for just £5 a month - click here. Subscribe to the premium edition of the Payments:Unpacked newsletter for just £5 a month - click here.

Having published over 400 editions of Payments:Unpacked I am astounded by the ever growing number of active subscribers (‘free’ and ‘paid for’), the lack of unsubscribes and for the numerous compliments and encouragements I receive from a wide range of people across the payments niche that we inhabit. Indeed what better accolade can there be... Continue Reading →

May the 4th be with you Clever, catchy and instantly recognisable “May the 4th be with you” is known to all as a Star Wars pun that launched a holiday. The phrase is, of course, an ingenious play on one of the most famous Star Wars quotes of all time - “May the Force be... Continue Reading →

Unpack the UK’s payments landscape with the Payments:Unpacked newsletter - news, blogs, insights, trackers, analysis and podcasts. Subscribe:

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It's been nine months since our last newsletter survey, since then we have had amazing numbers of new subscribers and received great feedback (thank you). Over the past few weeks we've run a survey to see what our readers think about the Payments:Unpacked newsletter. The infographic below speaks for itself but here are the headlines:... Continue Reading →

Alice Beagley, the Bank’s Museum Officer has written about why the Bank of England was founded: Ever wondered what led to our foundation in 1694? Here's a quick explanation.In short:The Bank was founded because Charles II didn’t repay the debts he owed to goldsmiths."Hang on a minute," I hear you say. "Charles II wasn't even... Continue Reading →

In brief from this week's Payments:Unpacked Barclays Pingit pulled. Treasury plan by Ron Kalifa to unleash fintech ‘big bang’ across UK. How the payments industry is coming together to quash financial crime - blog by Vocalink / Mastercard. Which? - “all eight banks respond to call from Which? on cash access – is it enough?” Monzo extends gambling block to... Continue Reading →

Forbes article by Dave Birch: Forget Contactless, We’re Going Contact-Free: Apple and the pandemic have converted is to QR codes. In brief: According to LINK, the operator of the UK’s ATM scheme, 23,054,751 separate cards were used in LINK ATM Scheme ATMs during January. If you were to lay them out end to end they would be 1,200 miles... Continue Reading →

Getting to grips with the UK’s retail payments landscape can seem a complex and daunting task. The Payments:Unpacked newsletter from Mike Chambers at Northey Point explores a wide range of the UK’s payment news including: Open Banking, Request to Pay, Direct Debit, Confirmation of Payee, Bacs, CHAPS, Faster Payments, LINK, cash, cards and cheques and unpacks the... Continue Reading →

Getting to grips with the UK’s retail payments landscape can seem a complex and daunting task. The Payments:Unpacked newsletter from Mike Chambers at Northey Point explores a wide range of the UK’s payment news including: Open Banking, Request to Pay, Direct Debit, Confirmation of Payee, Bacs, CHAPS, Faster Payments, LINK, cash, cards and cheques and unpacks the... Continue Reading →

Getting to grips with the UK’s retail payments landscape can seem a complex and daunting task. The Payments, Payments, Payments newsletter from Mike Chambers at Northey Point explores a wide range of the UK’s payment news including: Open Banking, Request to Pay, Direct Debit, Confirmation of Payee, Bacs, CHAPS, Faster Payments, LINK, cash, cards and cheques and... Continue Reading →

The 12 most popular Payments, Payments, Payments posts of 2020: Retail payments movers and shakers. Podcast: Ten things you should know about Request to Pay. The pound in your pocket. Ten things you should know about Central Bank Digital Currencies. Hey there sir, want to switch your current account? What's the story of receipts? Paym: the... Continue Reading →

Today we launch our new referral programme! With your help we can get our newsletter to the right audience. Join our referral programme and help us reach those people that would be most interested in the Payments, Payments, Payments newsletter. Join our referral programme Use the link above to generate a unique code and use... Continue Reading →

Getting to grips with the UK’s retail payments landscape can seem a complex and daunting task. The Payments, Payments, Payments newsletter from Mike Chambers at Northey Point explores a wide range of the UK’s payment news including: Open Banking, Request to Pay, Direct Debit, Confirmation of Payee, Bacs, CHAPS, Faster Payments, LINK, cash, cards and cheques and... Continue Reading →

Getting to grips with the UK’s retail payments landscape can seem a complex and daunting task. The Payments, Payments, Payments newsletter from Mike Chambers at Northey Point explores a wide range of the UK’s payment news including: Open Banking, Request to Pay, Direct Debit, Confirmation of Payee, Bacs, CHAPS, Faster Payments, LINK, cash, cards and cheques and... Continue Reading →

Getting to grips with the UK’s retail payments landscape can seem a complex and daunting task. The Payments, Payments, Payments newsletter from Mike Chambers at Northey Point explores a wide range of the UK’s payment news including: Open Banking, Request to Pay, Direct Debit, Confirmation of Payee, Bacs, CHAPS, Faster Payments, LINK, cash, cards and cheques and... Continue Reading →

In addition to finding out how these animals made payments history, in this weeks Payments, Payments, Payments you’ll also find about: Getting the right outcomes for victims of APP scams. Soft POS transforming mobile payments Tikkie Checks changing the way we pay at the restaurant A guest blog by John Bertrand on addressing payment fraud... Continue Reading →

A quarter of a century ago, a window into the money of the future opened in Disney World’s twin town in England, Swindon.  Yes, Swindon. Last week saw the Silver Jubilee of the launch of the world’s first central bank digital currency (CBDC), Mondex, in my home town of Swindon. I sure a great many people have... Continue Reading →

It was June 29, 1975 when Steve Wozniak demonstrated the first Apple computer — essentially microcircuits embedded in a wooden chassis — to his colleague Steve Jobs, and the personal computing industry began to bud. Just two months before that, Bill Gates and Steve Allen launched Microsoft to produce software for the Altair 8800. In... Continue Reading →

The following mini insights originally featured in this week’s edition of my newsletter – Payments, Payments, Payments. Top rated current account The Times “Money Mentor” has released its analysis of top rated current accounts. Money Mentor consider that a top-rated current account will have lower than average charges, including lower than average fees for using your... Continue Reading →

In addition to my weekly newsletter I also produce a weekly ‘subscriber’ edition. So far, we’ve explored the UK’s retail payments landscape, looked at the world’s first 24*7*365 instant payment system, considered the 6.5 billion payments processed each year by Bacs and explored the UK’s RTGS system. Graphic: Northey Point / Data Source: Pay.UK Click on the following link for... Continue Reading →

In this week’s subscriber edition of 'Payments, Payments, Payments' we take a look at the UK’s Real Time Gross Settlement (RTGS) system operated by the Bank of England. The newsletter covers: What is CHAPS?My personal 35+ year association with CHAPS1983 BC (Before CHAPS)Clearing House Automated Payment System but no STPThe official history of CHAPSMove to Real Time... Continue Reading →

In this weeks subscriber edition of ‘Payments, Payments, Payments’ we explore Bacs Direct Debit and Direct Credit Read, subscribe and share: https://northeypoint.substack.com/p/bacs-65-billion-transactions-a-year?r=5igm3&utm_campaign=post&utm_medium=web&utm_source=copy

An informed insight into the UK's changing payments landscape - news, pointers and longer reads from Mike Chambers at Northey Point. Mike's ‘Payments, Payments, Payments’ newsletter helps you navigate the UK’s payments landscape and signposts key events to keep you informed on news, announcements and developments. Newsletter Upgrade After feedback and much encouragement my free... Continue Reading →

An informed insight on all things payments – news, pointers and always a longer read to stimulate a conversation – all delivered right to your inbox from Northey Point. https://youtu.be/8MmqfLGtxxA Don’t miss out, subscribe now!

Informed payment insights straight to your inbox The ‘Payments, Payments, Payments’ newsletter features informed insights into the UK's payments landscape - news, pointers and longer reads - all delivered right to your inbox from Mike Chambers at Northey Point. Subscribe to get full access to the newsletter and website. Never miss an update. Stay up-to-date... Continue Reading →

An informed insight on all things payments – news, pointers and always a longer read to stimulate a conversation – all delivered right to your inbox from Northey Point. Don’t miss out, subscribe now!

An informed insight on all things payments - news, pointers and always a longer read to stimulate a conversation - all delivered right to your inbox from Northey Point. Don't miss out, subscribe now!