The Pay.UK (formerly UK Payments Administration) 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 had been created in 1985[1] to oversee the majority of UK payment clearing systems and keep their operational efficiency and integrity in order.

The organization was created to amalgamate the United Kingdoms domestic payment systems that had been operating separately for over 50 years.

[2] In Sep 2017 the New Payment System Operator (NPSO) was established and in October that year the organisation was rebranded as Pay.UK.