The Payment Systems Regulator (PSR) has announced the revocation of Specific Direction 4 (SD4) and Specific Direction 4a (SD4a), which required LINK—the operator of the UK’s main ATM network—to run competitive procurement processes for its central infrastructure. This decision follows LINK’s request in June 2024 and the subsequent public consultation (CP25/2). The revocation takes effect from 25 August 2025, with SD2 and SD2a also being revoked from 27 August 2025. The PSR determined that mandating competitive procurement is no longer effective or cost-efficient, as alternative viable providers are lacking in the market. Vocalink, LINK’s current provider, secured its latest contract through a competitive process completed in October 2021.
Background and Rationale
SD4 was introduced in June 2017 to ensure competition for LINK’s central ATM infrastructure services, stipulating that any contracts after 2 October 2031 be competitively procured. However, the PSR’s latest assessment concludes that maintaining this requirement would unnecessarily raise costs for LINK and its members, while failing to improve competition due to the absence of realistic alternative bidders. LINK, Vocalink, and other stakeholders have been provided greater regulatory clarity, enabling long-term investments in the ATM network and supporting more efficient delivery models.
- The revocation affects SD4/SD4a from 25 August 2025 and SD2/SD2a from 27 August 2025.
- LINK remains responsible for connecting the UK’s ATM network and enabling nationwide access to cash.
- The PSR will continue to monitor retail payment infrastructure and collaborate with the Bank of England, FCA, and CMA as necessary.
Implications for UK Casino Players
The decision is intended to support the sustainability of the UK’s ATM infrastructure, which underpins many cash withdrawal options at online casinos and betting sites. Cost reductions and modernisation may help maintain widespread ATM access, benefiting players who rely on cash-based casino withdrawals and payments. Regulatory oversight remains in place to address market changes quickly if competition concerns re-emerge.
| Date | Action | Affected Parties |
|---|---|---|
| 25 August 2025 | SD4 & SD4a revoked | LINK, Vocalink, ATM users |
| 27 August 2025 | SD2 & SD2a revoked | LINK, PSR |
For further details, see the official PSR policy statement.
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