# Pay.UK

**Canonical:** https://apis.io/providers/pay-uk/  
**Website:** https://www.wearepay.uk/  
**APIs profiled:** 0

Pay.UK Limited is the recognised operator and standards body for the United Kingdom's interbank retail payment systems. It runs the domestic rails that move most of the money in the UK economy: Bacs (batch Direct Debit and Direct Credit), the Faster Payment System (24/7 real-time account-to-account payments), and the Image Clearing System for cheques, alongside the Current Account Switch Service. On top of the rails it owns industry overlay services including Confirmation of Payee (the API-based account name-checking service that fights Authorised Push Payment fraud) and Request to Pay, and through its Standards Authority it defines UK payments standards and the ISO 20022 migration underpinning the New Payments Architecture. Pay.UK is a scheme and standards operator, not a self-serve API platform: it publishes rulebooks, participation requirements, and ISO 20022 message specifications rather than an open public API, and its technical standards are distributed through the gated Standards Source and Faster Payment System Standards Library portals (single-login, registration required). Confirmation of Payee is a documented, API-based peer-to-peer scheme that participants and approved vendors implement against Pay.UK's technical standards. Home market is the United Kingdom.

## Kin Score — 19.3 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 19.3).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 42.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Pay Uk Domain Security** — TLSv1.3 · DMARC

## Tags

Payments, United Kingdom, Real-Time Payments, ISO 20022, Account-to-Account, Faster Payments, Direct Debit, Payment Scheme, Standards Body, Confirmation of Payee

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/pay-uk/). Scores are computed from the provider's own public artifacts under a published rubric.