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Integrity and security

However we choose to pay, we all depend on the payment system working properly and being secure. Part of our job is to examine factors which could threaten the reliability or security of payment systems.

We work closely with the banks and building societies and the payments schemes to develop checks and controls to eliminate risk and prevent problems. More broadly, we raise awareness of payment fraud and security risks, working with other sectors and the public authorities.  A key element is to promote public and private sector dialogue and the sharing of intelligence.

Our main areas of work are:

  • Information security
  • E-Crime
  • Cross Scheme Integrity

Information Security

Information security in payments is critical. Failure of any component in the payments process risks the loss of confidential information. 

Through our industry committees we work on payment industry information security covering areas such as confidentiality, integrity, availability, authorisation and privacy.  The scope of our work covers all payment types from cards, automated credit transfers, Direct Debits, cheques and emerging payment methods.


Our work on e-crime specifically looks at potential threats to consumers and businesses using the internet for payments.  We bring together key organisations from across the payments industry, law enforcement agencies and other organisations to share intelligence and best practice.

Cross Scheme Integrity

An important part of our role is to tackle issues that are common across the payment schemes such as Bacs, Faster Payments, Cheque & Credit and CHAPS. 

From cyber-attacks, telecoms failure or a pandemic that leaves payment systems understaffed, we focus on issues that could affect the reliability of how payments are processed.  We work with the financial authorities and the industry to test different scenarios - the payments industry market wide exercise.