FinTech UK Pension Platform -- Pensions Dashboard Programme

PDP Connect Integration

PDP (Pensions Dashboard Programme)

Connect

government-mandated pension finder service.

PDP ATLAS staging

• 1ATLAS (API Testing and Lookup Service) -- all pension providers must connect via ATLAS,
• 2PDP Standards (MaPS -- Money and Pensions Service publishes PDP Standards -- OpenAPI 3.0 based),
• 3Find request (dashboard sends Find request with individual identity -- name, DOB, NI number),
• 4Data request (dashboard sends Data request for pension details -- benefit statement, estimated retirement income),
• 5View response (pension provider returns pension details in PDP standard format -- accrued benefits, estimated values). PDP go-live: staged rollout 2025-2026 -- pension providers connecting in waves by provider type. ClickMasters supported ATLAS staging connection and live connection.

PDP data standards

• pension benefit statement in PDP format.
• Defined benefit (DB) pensions: (1) accrued pension at normal retirement date, (2) transfer value, (3) date of joining, (4) normal pension age.
• Defined contribution (DC) pensions: (1) current pot value, (2) projected pot at retirement (MaPS projection standards), (3) transfer value, (4) contribution rate.

PDP projection standards

• MaPS specifies projection assumptions (investment growth, charges, mortality) -- providers must use MaPS assumptions for PDP projections (not their own).
• SMPI (Statutory Money Purchase Illustration): annual SMPI -- same projection assumptions now used for PDP dashboard projections (consistency).

HMRC pension tax relief

• 1relief at source (RAS -- ClickMasters pension platform claims basic rate tax relief from HMRC on behalf of members),
• 2HMRC RAS API (monthly claim submission -- contribution data to HMRC),
• 3HMRC MTD for pensions (HMRC digitisation programme -- pension providers must submit digitally),
• 4HMRC annual returns (pension scheme return -- Pension Scheme Tax Reference -- PSTR),
• 5HMRC QROPS (qualifying recognised overseas pension schemes -- transfer value for members leaving UK).

HMRC API integration

• ClickMasters automates HMRC RAS claim monthly and annual pension scheme return.
• TPR Scheme Return and Auto-

Enrolment

The Pensions Regulator (TPR): (1) scheme return (annual TPR online return -- scheme membership, assets, governance), (2) auto-enrolment (TPR requires all employers to auto-enrol eligible workers -- pension platform must confirm auto-enrolment compliance), (3) DC Chair statement (annual chair statement published on pension website -- governance evidence), (4) value for members (VfM) assessment (TPR requires DC schemes to assess value for members annually -- cost and charges, investment performance, communications).

ClickMasters TPR automation

scheme return data extracted from platform, auto-enrolment compliance confirmed monthly (HMRC PAYE data cross-check), VfM assessment data generated automatically.