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Pay.UK is the retail payment authority in the United Kingdom, responsible for overseeing the operation of the UK's main retail payment systems and the development of new payment infrastructure. It was established to ensure that payment systems are efficient, resilient, and reliable, enabling businesses and consumers to make secure and convenient payments. Pay.UK operates the Bacs Direct Credit, Direct Debit, and Faster Payments systems, which collectively process over 8 billion transactions worth more than £6.7 trillion every year. The organization also plays a crucial role in driving innovation in the payments industry, working to develop new payment methods and technologies that meet the evolving needs of consumers and businesses.