T257 · Cat-21 · Real-Time Payments · UK PSR Compliance CAT-21 UK PSR OCT 2024

PSR APP Fraud Reimbursement Operational Workflow Builder

Step-by-step claim assessment workflow for UK PSR mandatory APP fraud reimbursement (October 2024). Covers £85,000 cap calculation, gross negligence checklist, 50/50 sending/receiving PSP split, 5-business-day settlement clock, and dispute escalation path. Outputs an operational decision playbook, claim form template, and Policy Mandate JSON claims handling mandate.

UK PSR PS24/3 £85,000 Cap 50/50 PSP Split 5-Day Clock Policy Mandate Export Client-side · Zero PII
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Operational workflow scope only. This tool generates claim assessment and processing workflows for front-line PSP operations teams. For strategic APP fraud liability modelling, PSP-level financial impact simulation, and portfolio-level reimbursement forecasting, see Tool 26 · APP Fraud Liability Decision Matrix →
Claim Assessment
Last Reviewed · 2026-05-09
1 Claim Details
£
2 Consumer Profile
3 Gross Negligence Assessment

Assess whether the consumer materially departed from the standard of caution expected under PSR PS24/3. All indicators must be evidenced — do not infer.

Consumer ignored a specific, targeted warning from this PSP about this type of scam (not a generic fraud warning) and proceeded anyway
Consumer actively overrode a payment block or cooling-off period applied by the PSP for fraud prevention purposes
Consumer shared authentication credentials, OTPs, or card details with the fraudster or a third party at the fraudster's direction
Consumer made multiple payments despite receiving explicit fraud warnings from the PSP on each individual payment occasion
Consumer failed to report the fraud within 13 months of the date of the last payment in the fraud sequence
Evidence suggests first-party fraud — consumer authorised the payment for their own benefit, benefit of a connected party, or is making a false claim
4 PSP Configuration
£
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Claim Decision & Playbook
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Complete the claim assessment
and click Build Workflow to
generate the decision playbook