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• Later, Abbey became a full member of the Association for Payment Clearing Services ( APACS ).
• APACS had been created in 1985 to oversee the majority of UK payment clearing systems and keep their operational efficiency and integrity in order.
• In 1975 responsibility for money transmission services moved to Association for Payment Clearing Services ( APACS ) ( which became UK Payments Administration ( UKPA ) in 2009 ).
• A general online Sort Code Checker was made available by APACS shortly ahead of launch, which shows whether a specific sort code is able to " receive"
• APACS ( the UK Payments Association ) stated that such measures would be in place from January 2008, although tests on cards in February 2008 indicated this may have been delayed.
• It was developed by APACS on behalf of the FPS member banks and the infrastructure went live in March 2009 . Barclays was the first bank live for customer sponsorship in August 2009.
• By the time of a planned two-year OFT review in 2009, the Payments Council had taken over some activities from the Association for Payment Clearing Services ( APACS ), which no longer exists.
• The system all works mainly because everyone implements strict industry standards ( issued by trade bodies like APACS and sometimes adopted as ISO standards ) for the card encoding and for all the inter-company communications.
• After testing with the Littlewoods Home Shopping group and 922NatWest Bank, the concept was adopted by APACS ( the UK Association of Payment Clearing Services ) and streamlined to the three-digit code known today.
• In October 2005 the contract to provide the central infrastructure for this new service was awarded by APACS to Immediate Payments Limited, a joint venture company set up by LINK who have since merged to form VocaLink.
• The Association for Payment Clearing Services ( APACS ), the British trade association of banks and building societies, said a check can be written on anything and be legally valid as long as all the proper details are included.
• The design of Faster Payments was a joint project between Immediate Payments Ltd . ( IPL ), APACS and the founder members, based on a commitment made to the VocaLink company, supplies the central network for the service.
• "The classic example was someone who wrote a check on the side of a live cow, while others have written checks on clothing, or on paving stones, " said Stephanie Watson, a spokeswoman for APACS.
• However, card readers issued by most, possibly all, UK banks conform to a CAP subset defined by APACS, meaning that, in most cases, cards issued by a UK bank can be used in a card reader issued by a different bank.
• UKPA was created on 6 July 2009, as a successor of the "'Association for Payment Clearing Services "'( "'APACS "') to support the systems behind UK payments, such as Bacs, CHAPS and the Cheque and Credit Clearing Company.
• APACS, the UK payments association, disagreed with the majority of the report, saying " The types of attack on PIN entry devices detailed in this report are difficult to undertake and not currently economically viable for a fraudster to carry out . " They also said that changes to the protocol ( specifying different card verification values between the chip and magnetic stripe  the iCVV ) would make this attack ineffective from January 2008.
• The shareholders were the Association of Swedish Banks, Associazione Bancaria Italiana, Groupement des cartes bancaires'CB'( France ), Comunidade Portuguesa eurocheque, Bank of Cyprus, Caisse d'閜argne de l'蓆at du grand-duch?de Luxembourg, Agrupaci?Andorrana Eurocheque, PBS-Pengeinstitutternes BetalingsSystemer ( Denmark ), Apacs ( United Kingdom ), Telekurs ( Switzerland ), Suomen Pankkiyhdistys ( Finland ), Association of Norwegian Banks, Stichting Bevordering Chequeverkeer ( Netherlands ), Irish Clearing House, Jugobanka United Bank ( Yugoslavia ), Association of Austrian Banks and Bankers, Eurocheque Belgique sc, GZS-Gesellschaft f黵 Zahlungssysteme GmbH ( Germany ).