Over the past few weeks, two important shifts have been announced, with real implications for businesses processing payments.
🇪🇺 EU: Instant euro payments are now mandatory.
As of October 2025, banks across the EU must offer instant credit transfers, 24/7, at no extra cost to regular payments.
🇬🇧 UK: A National Payments Vision is in motion.
The UK government and regulators (PSR and FCA) are pushing ahead with infrastructure reforms, governance changes, and clearer accountability in retail payments.
⚠️ Why this matters to merchants:
Regulatory and infrastructure shifts can influence:
☑️The fees you’re charged
☑️The speed of your settlements
☑️The negotiating power you have with your PSPs and acquirers
🌏 Beyond Europe: The ripple effect is already visible.
With global PSPs operating across borders, changes to EU and UK frameworks often set precedents elsewhere.
Markets in Asia-Pacific, the Middle East and North America are also seeing growing pressure around interchange fees, real-time rails, and settlement transparency.
At BB Merchant Services, we’ve seen how these moments of change open the door for cost reviews.
Most companies we work with reduce costs by over 23%, often while keeping their current providers.
🗣 Is this the start of real reform, or just more complexity?
We’re watching closely. What do you think?
Payments Are Changing Quietly, and It’s Affecting Every Merchant
