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 eco-system that supports the operation of these systemically important payment systems.

The newsletter is an independent and informed insight into the UK’s payments landscape – exclusive payment insights, hot topic briefings and fundamentals unpacked. 

The free weekly newsletter option helps you to get to grips with the UK’s retail payments landscape with former Bacs CEO, Mike Chambers – news, information and stories about payments in the UK.

The premium newsletter option offers: Quarterly performance analysis of the Current Account Switching Service, monthly round up of the UK’s retail payment habits, fortnightly briefing of payment related developments at Pay.UK, the Payments System Regulator, the Bank of England and HM Treasury, weekly analysis of the UK’s ATM cash withdrawals, hot payment topic briefings, payment Insights, payment fundamentals unpacked and payments landscape briefings.

The premium newsletter option is currently just £4 a month or £40 per annum and comes with a 100% refund guarantee if you are not happy with the subscription version of the newsletter.

Request to Pay:Unpacked

Request to Pay (RtP) is a new, flexible way for bills to be settled between people, organisations and businesses.

RtP is a messaging service that has been created to complement existing payments infrastructure and gives billers the ability to request payment for a bill rather than simply sending an invoice. 

For each ‘request’, customers will be able to pay in full, pay in part, ask for more time, communicate with the biller, or decline to pay. 

The Request to Pay: Unpacked newsletter helps you get to grips with the UK’s new service that provides the ability to request payment for a bill. The newsletter delivers exclusive insights, hot topic briefings and unpacks the fundamentals of the new overlay service.

Join the rapidly growing number of subscribers and navigate the Request to Pay landscape with Answer Pay’s chairman, Mike Chambers.

New Payments Architecture (NPA) Unpacked

Unpacking the UK’s proposed New Payments Architecture (NPA).


A UK Central Bank Digital Currency (CBDC) would be a new form of digital money issued by the Bank of England and for use by households and businesses. It would exist alongside cash and bank deposits, rather than replacing them.

The e-pound:unpacked newsletter explores the development of a UK CBDC – will it be called an “e-pound”?