Polar Moment’s Payments Perspective: September 2025

September 30, 2025

Welcome to the September edition of Polar Moment’s Payments Perspective. This month we focus on rising fraud pressures in the UK, expanded payment options, and infrastructure upgrades strengthening the financial ecosystem.

Mangopay Research Highlights UK as a Fraud Hotspot

New research from Mangopay shows UK online platforms are experiencing record levels of fraud. As a consequence, fraud checks in the UK have increased 48% year-on-year, surpassing 400 million checks per month in 2025.

Travel, fintech, and gaming platforms are the most targeted, with attacks often timed around promotional campaigns and peak booking periods. The findings underline the urgent need for robust fraud detection and prevention strategies across UK digital commerce.

Find out more here: Mangopay research shows the UK a hotspot for fraud.

Revolut Introduces Pay by Bank to Its Payment Gateway

Revolut has added Pay by Bank functionality to its payment gateway, allowing merchants to accept payments directly from customers’ bank accounts. Available immediately in the UK and several European markets, this feature aims to reduce fraud and chargebacks while providing customers with faster, more secure payments.

Transactions are authorised through users’ banking apps, enabling instant fund transfers and fewer disputes.

Find out more here: Revolut adds Pay by Bank to its payment gateway.

Judopay Partners with Shift4 to Optimise UK Merchant Payments

Judopay has entered a strategic partnership with Shift4 to enhance payment solutions for UK merchants. Shift4 will act as Judopay’s preferred payment partner, offering unified commerce, enterprise-grade point-of-sale solutions, and embedded ecommerce capabilities.

The collaboration supports sectors including utilities, financial services, and travel, giving merchants access to scalable and compliant payment infrastructure.

Find out more here: Judopay teams up with Shift4 to optimise merchant payments in the UK.

Bank of England & Accenture Renew Real-Time Gross Settlement Service

The Bank of England and Accenture have renewed the Real-Time Gross Settlement (RTGS) service, focusing on updating the UK’s wholesale payments infrastructure. The partnership will enhance resilience, functionality, and access, while laying the foundation for future digital innovation.

Regulatory compliance and evolving client needs will also be prioritised.

Find out more here: Bank of England and Accenture renew the Real-Time Gross Settlement service.

FCA to Allow Banks to Set Their Own Contactless Payment Limits

The FCA has shifted its stance on contactless payment limits. It will now allow card providers to decide their own limits for customers.

While many banks already offer tools to adjust or disable contactless, the regulator is encouraging wider adoption of flexible options. With smarter fraud controls and modern technology, the FCA believes this approach will deliver more convenience and tailored solutions for customers, though immediate changes are not expected.

Find out more here: FCA to allow banks to set their own contactless payment limits.

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