Cat-28 · T406 · PSP Safeguarding & Compliance
v1.0

PSR APP Reimbursement Liability Splitter

Allocates liability between sending and receiving PSPs under UK PSR APP Reimbursement Rules (effective 7 October 2024). Applies PSR PS23/3 splitting logic, £85,000 reimbursement cap, vulnerability adjustments, gross negligence exception, and consumer standard-of-care checks.

PSR PS23/3 Oct 2024 Rules £85,000 Cap Zero PII · Client-Side
Scope & reliance: 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. This tool implements the UK PSR APP Reimbursement Rules (effective 7 October 2024) per PSR PS23/3 and PSR Policy Statement June 2023. The 50/50 default split and exceptions are modelled as published at tool date: verify against current PSR rules, FOS decisions, and legal advice before using any output in actual claims decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Claim Parameters
Gross payment amount sent in the APP fraud transaction.
Fraud type affects the sending PSP's expected warning obligations and liability weight.
Vulnerability increases PSP's duty of care and strengthens reimbursement entitlement (PSR Policy Statement para 7.18–7.23).
Standard of care failures may reduce or remove the customer's reimbursement entitlement (PSR PS23/3 para 7.24).
Gross negligence by customer removes reimbursement entitlement under PSR PS23/3 para 7.31. High bar: mere carelessness is insufficient.
Claim Eligibility & Reimbursable Amount
Liability Split
Sending PSP 50%
Receiving PSP 50%
Sending PSP Receiving PSP
Sending PSP Liability
£-
-%
Receiving PSP Liability
£-
-%
Contributing Factors & Liability Adjustments
FactorEffectPSP AffectedReferenceDetail
Regulatory Context & Claim Process