{
  "corpus": "orca-product",
  "format_version": "1",
  "built": "2026-09-26",
  "snapshot": "2026-09-20",
  "commit": "019924ac64ee0aa0742b8f02a04488a83633385d",
  "license": {
    "name": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
    "spdx": "CC-BY-4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "attribution": "Data from Orca (https://qstve.com/orca/), CC BY 4.0. Snapshot 2026-09-20.",
    "notice": "Reference material about published payment rules. Not legal, compliance or financial advice. Orca cites rulebooks by section and edition and does not reproduce them; rights in the cited documents stay with their authors."
  },
  "uid": "uk-fps:txn.standing-order-payment",
  "rail": "uk-fps",
  "page": "../../../uk-fps/standing-order-payment.html",
  "product": {
    "uid": "uk-fps:txn.standing-order-payment",
    "id": "txn.standing-order-payment",
    "slug": "standing-order-payment",
    "rail": "uk-fps",
    "rail_name": "Faster Payments (UK)",
    "governing_authority": "Pay.UK Limited",
    "snapshot": "2026-09-20",
    "page": "uk-fps/standing-order-payment.html",
    "file": "data/products/uk-fps/standing-order-payment.json",
    "name": "Standing Order Payment (SOP)",
    "anchor": "an authorisation of its own",
    "transaction_type": {
      "uid": "uk-fps:txn.standing-order-payment",
      "name": "Standing Order Payment (SOP)",
      "status": "corroborated",
      "stored_status": "corroborated",
      "source_class": "public_primary",
      "confidence": "medium",
      "tier": {
        "k": "cor",
        "label": "Corroborated (public primary)",
        "say": "A validator compared this with 1 named source, the strongest being an operator or regulator publication. It is not verified: no person has checked it against the current rulebook edition."
      },
      "summary": "An asynchronous regular payment of a set amount to a named payee, held by the sending participant until the day it is due and only then submitted to the central infrastructure. Standing orders run on weekdays only, excluding public holidays in England and Wales, and a due date falling on a weekend or such a holiday is held to the next working day. A sending participant must submit at least nine in ten of its standing orders between midnight and 06:00, and must retry later in the day where the payer had insufficient funds. The payer may ask for one to be cancelled before it is submitted.",
      "effective_since": "Unknown: the public documents read do not date the payment types",
      "effective_note": "Drafted 2026-09-20 from Pay.UK's public documents. The FPS Rules and the FPS Procedures themselves are available only to participants, so when this provision first applied is [Unverified]; the date given is the edition of the public document that describes it.",
      "source_edition": "Faster Payments System Principles v11 (2 January 2026), Pay.UK's 2025 PFMI self-assessment (published November 2025) and Pay.UK's Certainty of Fate proposed rule clarification v1.0 (January 2026), all read 2026-09-20. The controlling FPS Rules, Procedures and Functional Specification were not read: Pay.UK makes them available to participants only.",
      "directions": [
        "credit"
      ],
      "account_types": [
        "any"
      ],
      "sources": [
        {
          "uid": "uk-fps:src.payuk-fps-system-principles-v11",
          "name": "Faster Payments System Principles, FPS information guide, v11",
          "url": "https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Faster-Payments-System-Principles-v-11-Jan-2026.pdf",
          "source_class": "public_primary",
          "edition": "v11, 2 January 2026",
          "section": "section 5.2"
        },
        {
          "uid": "uk-fps:src.payuk-pfmi-self-assessment-2025",
          "name": "2025 PFMI self-assessment of Pay.UK",
          "url": "https://www.wearepay.uk/wp-content/uploads/2025/11/2025-PFMI-self-assessment-of-Pay.UK_.pdf",
          "source_class": "public_primary",
          "edition": "position as at end of August 2025, published November 2025",
          "section": "2.2.2"
        }
      ]
    },
    "counts": {
      "rules": 5,
      "mandates": 1,
      "states": 0,
      "code_sets": 0,
      "reason_codes": 0,
      "roles": 3,
      "members": 7
    },
    "trust": {
      "members": 7,
      "by_status": {
        "draft": 1,
        "corroborated": 6,
        "verified": 0,
        "superseded": 0
      },
      "strongest_source_class": "public_primary"
    },
    "roles": [
      {
        "uid": "uk-fps:role.central-infrastructure-provider",
        "name": "Vocalink, the FPS central infrastructure provider",
        "kind": "service_provider",
        "via": [
          "binds"
        ]
      },
      {
        "uid": "uk-fps:role.consumer",
        "name": "Consumer (reimbursement rules)",
        "kind": "party",
        "via": [
          "given_by"
        ]
      },
      {
        "uid": "uk-fps:role.sending-fps-institution",
        "name": "Sending FPS Institution",
        "kind": "institution",
        "via": [
          "given_to",
          "binds"
        ]
      }
    ],
    "mandates": [
      {
        "uid": "uk-fps:mandate.standing-order-instruction",
        "name": "Standing order instruction",
        "status": "draft",
        "stored_status": "draft",
        "source_class": null,
        "confidence": "low",
        "tier": {
          "k": "draft",
          "label": "Draft, unchecked",
          "say": "An agent wrote this from published material and nobody has checked it. Treat it as a lead to confirm, not an answer, before acting on any retry, deadline or rate."
        },
        "summary": "The payer's own standing instruction to its own payment service provider to push a set amount to a named payee at a stated interval. It is not a debit mandate and it is nothing like a direct debit authority: Faster Payments carries no debit pull at all, so nobody outside the payer's provider holds it, and the central infrastructure never sees it. The instruction only produces a payment on the due date, when the provider submits a standing order payment; until then there is nothing on the rail. The payer may ask the provider to cancel it, and the provider may do so at any time before the payment is submitted. Where a payee's account has been switched under the Current Account Switch Service, the central infrastructure redirects the payment and the sending participant must then update the payer's standing instruction within the permitted timescale.",
        "form": "A standing instruction the payer gives its own provider through that provider's own channel. Neither the form nor the wording is set by any public document read; how the instruction is captured and evidenced is each provider's own matter.",
        "scope": [
          "a fixed amount to a single named payee, identified by sort code and account number",
          "repeating on a schedule the payer sets, executed only on weekdays excluding public holidays in England and Wales",
          "held by the payer's own provider and submitted to the central infrastructure only on the due date"
        ],
        "constraints": null,
        "governed_by": [],
        "revoked_via": [],
        "evidenced_by": [],
        "disputed_via": [],
        "given_by": [
          {
            "uid": "uk-fps:role.consumer",
            "name": "Consumer (reimbursement rules)",
            "note": null
          }
        ],
        "given_to": [
          {
            "uid": "uk-fps:role.sending-fps-institution",
            "name": "Sending FPS Institution",
            "note": null
          }
        ],
        "sources": []
      }
    ],
    "states": [],
    "code_sets": [],
    "reason_codes": [],
    "rules": [
      {
        "uid": "uk-fps:rule.irrevocable-on-submission-to-ci",
        "name": "A payment is irrevocable the moment it reaches the central infrastructure",
        "status": "corroborated",
        "stored_status": "corroborated",
        "source_class": "public_primary",
        "confidence": "medium",
        "tier": {
          "k": "cor",
          "label": "Corroborated (public primary)",
          "say": "A validator compared this with 1 named source, the strongest being an operator or regulator publication. It is not verified: no person has checked it against the current rulebook edition."
        },
        "statement": "The point at which an individual Faster Payment can no longer be taken back is the moment the sending institution submits it to the central infrastructure. Pay.UK states this as the defined point of irrevocability for the system. Nothing later in the payment's life moves that point: acceptance, qualified acceptance and settlement all come after it.",
        "facet": "finality",
        "rests_on": "rule",
        "via": "applies_to",
        "also_applies_to": [
          {
            "uid": "uk-fps:txn.single-immediate-payment",
            "name": "Single Immediate Payment (SIP)"
          },
          {
            "uid": "uk-fps:txn.forward-dated-payment",
            "name": "Forward Dated Payment (FDP)"
          },
          {
            "uid": "uk-fps:txn.direct-corporate-access",
            "name": "Direct Corporate Access (DCA) payment"
          }
        ],
        "parameters": [],
        "part_of": [],
        "sources": [
          {
            "uid": "uk-fps:src.payuk-pfmi-self-assessment-2025",
            "name": "2025 PFMI self-assessment of Pay.UK",
            "url": "https://www.wearepay.uk/wp-content/uploads/2025/11/2025-PFMI-self-assessment-of-Pay.UK_.pdf",
            "source_class": "public_primary",
            "edition": "position as at end of August 2025, published November 2025",
            "section": "key consideration 8.1"
          },
          {
            "uid": "uk-fps:src.payuk-fps-system-principles-v11",
            "name": "Faster Payments System Principles, FPS information guide, v11",
            "url": "https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Faster-Payments-System-Principles-v-11-Jan-2026.pdf",
            "source_class": "public_primary",
            "edition": "v11, 2 January 2026",
            "section": "Required Elements, Revocability"
          }
        ]
      },
      {
        "uid": "uk-fps:rule.retry-later-the-same-day-on-insufficient-funds",
        "name": "A participant retries a standing order or forward dated payment later the same day",
        "status": "corroborated",
        "stored_status": "corroborated",
        "source_class": "public_primary",
        "confidence": "medium",
        "tier": {
          "k": "cor",
          "label": "Corroborated (public primary)",
          "say": "A validator compared this with 1 named source, the strongest being an operator or regulator publication. It is not verified: no person has checked it against the current rulebook edition."
        },
        "statement": "Where the payer did not have the money when the sending participant first ran its standing orders or forward dated payments, the participant retries later in the day to give the payer a chance to pay funds in. Pay.UK states that this is required by the Financial Conduct Authority. For an attended single immediate payment there is no such obligation: the payer has to ensure the funds are there or have made another arrangement, and whether the participant retries at all is its own commercial choice.",
        "facet": "hours",
        "rests_on": "guidance",
        "via": "applies_to",
        "also_applies_to": [
          {
            "uid": "uk-fps:txn.forward-dated-payment",
            "name": "Forward Dated Payment (FDP)"
          }
        ],
        "parameters": [],
        "part_of": [],
        "sources": [
          {
            "uid": "uk-fps:src.payuk-fps-system-principles-v11",
            "name": "Faster Payments System Principles, FPS information guide, v11",
            "url": "https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Faster-Payments-System-Principles-v-11-Jan-2026.pdf",
            "source_class": "public_primary",
            "edition": "v11, 2 January 2026",
            "section": "sections 5.1, 5.2 and 5.3; Required Elements, Paying Customer Funds"
          }
        ]
      },
      {
        "uid": "uk-fps:rule.standing-orders-90-percent-before-06-00",
        "name": "At least nine in ten standing orders go out between midnight and 06:00",
        "status": "corroborated",
        "stored_status": "corroborated",
        "source_class": "public_primary",
        "confidence": "medium",
        "tier": {
          "k": "cor",
          "label": "Corroborated (public primary)",
          "say": "A validator compared this with 1 named source, the strongest being an operator or regulator publication. It is not verified: no person has checked it against the current rulebook edition."
        },
        "statement": "A sending participant has to process at least 90 percent of its standing orders between midnight and 06:00, and customers should expect the funds by the start of the working day. The exception is a payer who did not have the money: there the retry process takes over and the payment goes later in the day.",
        "facet": "hours",
        "rests_on": "rule",
        "via": "applies_to",
        "also_applies_to": [],
        "parameters": [
          {
            "kind": "limit",
            "text": "at least 90 percent submitted between midnight and 06:00"
          }
        ],
        "part_of": [],
        "sources": [
          {
            "uid": "uk-fps:src.payuk-fps-system-principles-v11",
            "name": "Faster Payments System Principles, FPS information guide, v11",
            "url": "https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Faster-Payments-System-Principles-v-11-Jan-2026.pdf",
            "source_class": "public_primary",
            "edition": "v11, 2 January 2026",
            "section": "section 5.2"
          }
        ]
      },
      {
        "uid": "uk-fps:rule.standing-orders-weekdays-only",
        "name": "Standing orders run on weekdays only",
        "status": "corroborated",
        "stored_status": "corroborated",
        "source_class": "public_primary",
        "confidence": "medium",
        "tier": {
          "k": "cor",
          "label": "Corroborated (public primary)",
          "say": "A validator compared this with 1 named source, the strongest being an operator or regulator publication. It is not verified: no person has checked it against the current rulebook edition."
        },
        "statement": "A standing order may only be executed on a weekday that is not a public holiday in England and Wales. Where the due date falls on a weekend or such a holiday, the sending participant holds the payment back to the next working day. This is the one place on the rail where the calendar limits a payment, and it is narrower than the definition of a business day the reimbursement rules use, which excludes a bank holiday in any part of the United Kingdom.",
        "facet": "hours",
        "rests_on": "rule",
        "via": "applies_to",
        "also_applies_to": [],
        "parameters": [],
        "part_of": [],
        "sources": [
          {
            "uid": "uk-fps:src.payuk-fps-system-principles-v11",
            "name": "Faster Payments System Principles, FPS information guide, v11",
            "url": "https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Faster-Payments-System-Principles-v-11-Jan-2026.pdf",
            "source_class": "public_primary",
            "edition": "v11, 2 January 2026",
            "section": "section 5.2"
          }
        ]
      },
      {
        "uid": "uk-fps:rule.system-value-ceiling-one-million",
        "name": "The central infrastructure rejects a payment above GBP 1,000,000",
        "status": "corroborated",
        "stored_status": "corroborated",
        "source_class": "public_primary",
        "confidence": "medium",
        "tier": {
          "k": "cor",
          "label": "Corroborated (public primary)",
          "say": "A validator compared this with 2 named sources, the strongest being an operator or regulator publication. It is not verified: no person has checked it against the current rulebook edition."
        },
        "statement": "There is one value ceiling for the whole system and the central infrastructure enforces it: a payment above it is rejected by the infrastructure itself, not by the receiving bank. The current figure is GBP 1,000,000, raised from GBP 250,000 in February 2022.",
        "facet": "limits",
        "rests_on": "rule",
        "via": "applies_to",
        "also_applies_to": [
          {
            "uid": "uk-fps:txn.single-immediate-payment",
            "name": "Single Immediate Payment (SIP)"
          },
          {
            "uid": "uk-fps:txn.forward-dated-payment",
            "name": "Forward Dated Payment (FDP)"
          },
          {
            "uid": "uk-fps:txn.direct-corporate-access",
            "name": "Direct Corporate Access (DCA) payment"
          }
        ],
        "parameters": [
          {
            "kind": "limit",
            "text": "GBP 1,000,000 for a single payment, enforced by the central infrastructure"
          }
        ],
        "part_of": [
          "uk-fps:exc.rejection"
        ],
        "sources": [
          {
            "uid": "uk-fps:src.payuk-pfmi-self-assessment-2025",
            "name": "2025 PFMI self-assessment of Pay.UK",
            "url": "https://www.wearepay.uk/wp-content/uploads/2025/11/2025-PFMI-self-assessment-of-Pay.UK_.pdf",
            "source_class": "public_primary",
            "edition": "position as at end of August 2025, published November 2025",
            "section": "2.2.2 and its footnote 7"
          },
          {
            "uid": "uk-fps:src.payuk-fps-transaction-limits-page",
            "name": "Pay.UK, Faster Payment System transaction limits",
            "url": "https://www.wearepay.uk/what-we-do/payment-systems/faster-payment-system/transaction-limits/",
            "source_class": "public_primary",
            "edition": "live page as read 2026-09-20; the page carries no date",
            "section": "opening paragraph"
          },
          {
            "uid": "uk-fps:src.payuk-fps-system-principles-v11",
            "name": "Faster Payments System Principles, FPS information guide, v11",
            "url": "https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Faster-Payments-System-Principles-v-11-Jan-2026.pdf",
            "source_class": "public_primary",
            "edition": "v11, 2 January 2026",
            "section": "Required Elements, Limits (Individual Payment Amount)"
          }
        ]
      }
    ],
    "inherited": [
      {
        "facet": "settlement",
        "label": "Settlement",
        "question": "How and when does the money settle between institutions?",
        "fact_uid": "uk-fps:settlement",
        "fact_name": "How and when does money actually move between the banks?"
      },
      {
        "facet": "return",
        "label": "Return",
        "question": "How does a payment come back, and on what deadline?",
        "fact_uid": "uk-fps:return",
        "fact_name": "How does money come back on this rail?"
      },
      {
        "facet": "recall",
        "label": "Recall",
        "question": "Can the sender ask for a payment back, and who decides?",
        "fact_uid": "uk-fps:recall",
        "fact_name": "Can a payer get a Faster Payment recalled?"
      },
      {
        "facet": "refund",
        "label": "Refund",
        "question": "Can the payer get the money back, and on what right?",
        "fact_uid": "uk-fps:refund",
        "fact_name": "When does a payer get their money back as of right?"
      },
      {
        "facet": "liability",
        "label": "Liability",
        "question": "Who bears a loss when something goes wrong?",
        "fact_uid": "uk-fps:liability",
        "fact_name": "Who bears the loss when a Faster Payment goes wrong?"
      },
      {
        "facet": "consumer-law",
        "label": "Consumer law",
        "question": "What does the law give a consumer here, beyond the rulebook?",
        "fact_uid": "uk-fps:consumer-law",
        "fact_name": "What does the law give a consumer that the scheme does not?"
      },
      {
        "facet": "messages",
        "label": "Messages",
        "question": "What messages carry the payment and the answers to it?",
        "fact_uid": "uk-fps:messages",
        "fact_name": "What does a Faster Payment look like on the wire, and what codes come back?"
      },
      {
        "facet": "participants",
        "label": "Participants",
        "question": "Who may take part, and in what role?",
        "fact_uid": "uk-fps:participants",
        "fact_name": "Who can be on the rail, and on what terms?"
      },
      {
        "facet": "decision-points",
        "label": "Human decision points",
        "question": "Where does a rule leave the decision to a bank or a person?",
        "fact_uid": "uk-fps:decision-points",
        "fact_name": "Where does a person or a bank actually decide something?"
      }
    ],
    "differs": [
      {
        "facet": "finality",
        "label": "Finality",
        "fact_uid": "uk-fps:finality",
        "fact_name": "When is a Faster Payment final, and can it be undone?",
        "rules": [
          {
            "uid": "uk-fps:rule.irrevocable-on-submission-to-ci",
            "name": "A payment is irrevocable the moment it reaches the central infrastructure"
          }
        ]
      },
      {
        "facet": "hours",
        "label": "Hours",
        "fact_uid": "uk-fps:hours",
        "fact_name": "When does the rail run, and how fast must a bank answer?",
        "rules": [
          {
            "uid": "uk-fps:rule.standing-orders-weekdays-only",
            "name": "Standing orders run on weekdays only"
          },
          {
            "uid": "uk-fps:rule.standing-orders-90-percent-before-06-00",
            "name": "At least nine in ten standing orders go out between midnight and 06:00"
          },
          {
            "uid": "uk-fps:rule.retry-later-the-same-day-on-insufficient-funds",
            "name": "A participant retries a standing order or forward dated payment later the same day"
          }
        ]
      },
      {
        "facet": "limits",
        "label": "Limits",
        "fact_uid": "uk-fps:limits",
        "fact_name": "How much can one Faster Payment carry?",
        "rules": [
          {
            "uid": "uk-fps:rule.system-value-ceiling-one-million",
            "name": "The central infrastructure rejects a payment above GBP 1,000,000"
          }
        ]
      }
    ],
    "exceptions": [
      {
        "uid": "uk-fps:exc.rejection",
        "name": "Rejection",
        "shared": true,
        "via": [
          {
            "from": "uk-fps:rule.system-value-ceiling-one-million",
            "type": "part_of"
          }
        ]
      }
    ]
  }
}