Does the Authorised Push Payment Scam (APP) Code apply to Business and Commercial customers?

The APP Scam Code applies to:

• All personal customers
• Charities with an annual income of less than £1 million
• Micro-enterprises – an enterprise which employs fewer than 10 people and whose annual turnover and annual balance sheet total does not exceed €2 million

The APP Scam Code does not cover:

• Any payments completed before the APP Scam Code comes into force on 28 May 2019
• Any disputes relating to unauthorised payments (such as where you haven't consented to the payment) or other payments which aren't related to an APP Scam. This is a fraud and will be covered by other regulation
• Commercial disputes, for example, where you've paid a legitimate supplier for goods, services or digital content but have not received them, or they are in some way defective
• Payments made overseas. The APP Scam Code applies to UK customers and UK Sterling payments only