Case notes
Longer pieces that sit outside the course. Each one starts with a document rather than an opinion, quotes it, and says the date it was read.
The card fee you are not allowed to charge, and the one you are
The surcharge ban is narrower than every guide says. Regulation 6A stops you charging a fee on consumer cards and leaves commercial cards alone, regulation 6B changes the…
Note 02 · 5 September 2026Two doors your customer can use to take the money back, and only one is law
A chargeback is a message between two banks, and it appears in neither the Payment Services Regulations nor the Consumer Credit Act. What the statutes do give your custom…
Note 03 · 5 September 2026The free terminal, priced
A free terminal is a rental with the price moved into a minimum monthly service charge. One division tells you the month it starts costing you: the minimum divided by you…
Note 04 · 16 September 2026The £100 limit was scrapped, and the till did not notice
On 19 March 2026 the fixed £100 contactless limit stopped being a rule. The big banks kept it anyway, and the terminals in most shops are still set to it. Here is what ch…