Which is considered a regular low-value transaction?

Utility bill payments are classified as regular low-value transactions primarily due to their recurring nature and the typical transaction amounts involved. These payments are generally made monthly for essential services like electricity, gas, and water, making them routine in consumers' financial activities. They do not often exceed a modest sum, aligning with the definition of low-value transactions.

In contrast, stock investment payments, real estate transactions, and insurance payouts typically involve higher values and may occur less frequently. Stock investments can vary significantly in amount based on investment size; real estate transactions often involve large sums and are infrequent; and insurance payouts, while sometimes regular, can also represent substantial amounts depending on the circumstances involved. Thus, utility bill payments stand out as the most representative of regular low-value transactions.