FIRESIDE CHAT: Instant Payments vs Card Schemes: Who Will Own the UK Transaction Rails by 2030?
27 Jan 2026
- Cost & Economics: Will the shift toward instant A2A payments materially erode card scheme interchange and processing economics by 2030?
- Risk and Liability Models: How can UK initiatives use the existing payment system (FPS and/or it’s instant payment successor) to deliver a robust and reliable model setting our dispute and liability processes to rival card-scheme and Section 75 protections?
- Consumer, Merchant & Wallet Adoption: As digital wallets continue to rise, will they strengthen the dominance of tokenised card payments or become a new gateway for instant A2A transactions at checkout?
