The UK Payments Administration Ltd (UKPA) (previously APACS, the Association for Payment Clearing Services) is a United Kingdom service company that provides people, facilities and expertise to the UK payments industry. UKPA was created on 6 July 2009, as a successor of the Association for Payment Clearing Services (APACS) to support the systems behind UK payments, such as Bacs, CHAPS and the Cheque and Credit Clearing Company.
APACS is the UK payments association, a trade association for those institutions delivering payment services to end customers. They provide the forum for the UK’s financial institutions to come together on non-competitive issues, to develop banking systems for the future and to provide innovation and developments in payments. It is also the banking industry voice on payments issues such as plastic cards, card fraud, cheques, electronic payments and cash. APACS supplies scheme and project management, business consultancy and secretariat services to the UK payments industry. It is on behalf of UK card issuers and acquirers that this response is made.