{
  "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015",
  "json_url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015.json",
  "id": "uksi/2015/1911",
  "title": "The Payment Card Interchange Fee Regulations 2015",
  "short_title": "Payment Card Interchange Fee 2015",
  "long_title": "These Regulations comply with the obligations to designate competent authorities, lay down rules on penalties and take measures for the settlement of disputes under Articles 13 to 15 of Regulation (EU) 2015/751 of the European Parliament and of the Council of 29th April 2015 on interchange fees for card-based payment transactions (OJ L 123, 19.5.2013, p.1.) (“the interchange fee regulation”). They also exercise in the United Kingdom the options under Articles 1(5) and 3(3) of the interchange fee regulation to grant relief from some requirements of the interchange fee regulation for a limited time.",
  "citation": "S.I. 2015/1911",
  "type": "uksi",
  "year": "2015",
  "number": "1911",
  "version": "current",
  "date": "2015-11-16",
  "revised": true,
  "valid_from": "2025-04-06",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 1,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "Introductory provisions",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and commencement",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-1",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-2",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "part/2",
      "kind": "part",
      "number": "2",
      "heading": "The Payment Systems Regulator",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Functions",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Directions",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-4",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/4A",
      "kind": "regulation",
      "number": "4A",
      "heading": "Directions: payment card schemes",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-4A",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/4B",
      "kind": "regulation",
      "number": "4B",
      "heading": "Directions: co-operation between regulators",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-4B",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/4C",
      "kind": "regulation",
      "number": "4C",
      "heading": "Power of FCA to require Regulator to refrain from specified action",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-4C",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Publication of compliance failures etc",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-5",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Penalties",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-6",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Warning notices",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-7",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Injunctions",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-8",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Appeals: general",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-9",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Appeals against directions and publication of compliance failures",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-10",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Appeals in relation to penalties",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-11",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Payees' complaints and dispute resolution",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-12",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Guidance",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-13",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Information and investigation",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-14",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Application of other provisions of the 2013 Act",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-15",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "part/3",
      "kind": "part",
      "number": "3",
      "heading": "The Financial Conduct Authority",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Designation as a competent authority",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-16",
      "extent": null,
      "status": "repealed",
      "parent": "part/3"
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
      "number": "17",
      "heading": "Amendment of the Payment Services Regulations 2009",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-17",
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "part/4",
      "kind": "part",
      "number": "4",
      "heading": "General enforcers under Part 8 of the Enterprise Act 2002",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Amendment of the Enterprise Act 2002",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-18",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "part/5",
      "kind": "part",
      "number": "5",
      "heading": "Co-operation between regulators",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/19",
      "kind": "regulation",
      "number": "19",
      "heading": "Amendment of the 2013 Act",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-19",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/20",
      "kind": "regulation",
      "number": "20",
      "heading": "Co-operation between the Payment Systems Regulator and enforcers",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-20",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Co-operation with competent authorities in other Member States",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-21",
      "extent": null,
      "status": "repealed",
      "parent": "part/5"
    },
    {
      "path": "part/6",
      "kind": "part",
      "number": "6",
      "heading": "Transitional relief from requirements of the interchange fee regulation",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/22",
      "kind": "regulation",
      "number": "22",
      "heading": "Exemption from maximum interchange fees for certain three party payment card schemes",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-22",
      "extent": null,
      "status": "repealed",
      "parent": "part/6"
    },
    {
      "path": "regulation/23",
      "kind": "regulation",
      "number": "23",
      "heading": "Weighted average interchange fees for UK debit card transactions",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-23",
      "extent": null,
      "status": null,
      "parent": "part/6"
    },
    {
      "path": "part/7",
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      "number": "7",
      "heading": "Review",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/24",
      "kind": "regulation",
      "number": "24",
      "heading": "Review",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/regulation-24",
      "extent": null,
      "status": null,
      "parent": "part/7"
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/signature",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/note",
      "extent": null,
      "status": null,
      "parent": null
    }
  ],
  "outstanding_effects": [
    {
      "type": "revoked",
      "affected_provisions": "Regulations",
      "affecting": "ukpga/2023/29",
      "affecting_title": "Financial Services and Markets Act 2023",
      "affecting_provisions": "Sch. 1 Pt. 2"
    }
  ],
  "made_under": [],
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  "changes_made_to_url": "https://openlegislation.uk/payment-card-interchange-fee-regulations-2015/changes.json",
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  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2015/1911",
    "retrieved_at": "2026-10-28T23:30:17.340777+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}