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PCI DSS compliance often lives in a signed form that nobody revisits until renewal. This practical review helps UK merchants check that their SAQ, terminal estate and provider evidence still match how they actually take card payments in 2026.
A chargeback is a deadline-driven dispute under card scheme rules, not a routine customer service complaint. This framework explains how UK merchants can verify the notice, assemble a representment pack, write a clear response and reduce the likelihood of repeat disputes.
The UK ban on consumer card surcharges has been in force since 2018, yet many merchants still apply fees that fall the wrong side of the line. This guide sets out the practical distinction between a surcharge and a service fee, explains how the rules apply to commercial cards, and offers a simple decision tree for 2026.