I’ve had messages from both yourselves and Monzo this morning that payments are being declined suggesting you’re both using the same processor (Wirecard). Is that right or is it just coincidental timing?
For some reason I thought you had built your own stack much like Monzo have done (for their current accounts). If you are using Wirecard, is that something you’re looking to move away from considering the issues they’ve had over the last few months?
 it’s GPS that does the processing not Wirecard, sorry Wirecard!