FCA PS26/1 final rules confirmed February 2026, live 15 July 2026: BNPL/DPC providers require FCA authorisation or TPR registration from Regulation Day. Mandatory affordability assessments are now required for all DPC agreements. The model's +60 bps overhead and auth-rate assumptions reflect estimated compliance cost components — not FCA-specified figures. Toggle on to see the modelled impact on your take-rate.
Merchant Rails Blender
Model your blended take-rate before you commit to a payment orchestrator. Enter your MCC and transaction volume, compare a card-heavy mix against an A2A-heavy mix on processing cost, conversion uplift, and net contribution. Toggle the July 2026 FCA Deferred Payment Credit rules to see exactly how the new BNPL affordability and disclosure overhead reshapes your take-rate — then export an AP2 routing policy your orchestrator can consume directly.