Zapp is the UK’s leading mobile payment innovation. Zapp enables real-time payments on people’s mobile phones through their existing mobile banking application allowing secure payments to happen between consumers and merchants. Zapp will be open to all financial institutions, merchants, acquirers and consumers from 2015 and its lead partners are: HSBC, first direct, Nationwide, Metro Bank, Santander, WorldPay, Elavon, Sage Pay, Realex Payments and Optimal Payments. Zapp is part of the VocaLink group of companies. VocaLink is the UK payments provider, in 2013 VocaLink processed over 10 billion transactions with a value of over £5 trillion.