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psd2 regulation pdf

Nevertheless, in the interest of their own security, all payment service providers are strongly encouraged to fulfil the requirements of the regulatory technical standards as soon as possible. We are always working to improve this website for our users. For remote transactions (e.g. In particular, the PSD2 covers the following three types of services: 1. payment initiation services, which help consumers make online payments and inform the merchant immediately of the payment initiation, allowing for the immediate dispatch of goods or immediate acce… Read about the ECB’s monetary policy instruments and see the latest data on its open market operations. In other words, the PSD2 supports innovation and competition in retail payments and enhances the security of payment transactions and the protection of consumer data. The PSD2 entered into force on 12 January 2016 and EU Member States were given until 13 January 2018 to transpose it into national law. a password or a PIN); (ii) possession (something only the user possesses, e.g. the use of a fingerprint or voice recognition). The surcharge ban applies where the consumer’s bank or card issuer and the payment service provider of the merchant are both located in the European Economic Area (EEA) and the consumer makes a payment either using a debit or credit card, or by direct debit or credit transfer. Payment service providers are required to ensure strong customer authentication for the initiation and processing of electronic payments. Dig deeper into the ECB’s activities and discover key topics in simple words and through multimedia. The main objectives of the PSD2 are (i) to contribute to a more integrated and efficient European payments market; (ii) to further level the playing field for payment service providers by including new players; (iii) to make payments safer and more secure; and (iv) to enhance protection for European consumers and businesses. PSD2 has preserved the structure of directive 2007/64 (PSD or PSD1) in terms of the split into sections (Titles) and subdivision into consistent content areas: subject matter, scope and definitions (Title I), payment service providers and specifically the regulation of payment online payments), the security requirements go even further, requiring a dynamic link to the amount of the transaction and the account of the payee, to further protect the user by minimising the risks in case of mistakes or fraudulent attacks. Navigation Path: Home›Payments & Markets›News & events›MIP Online›2018›The revised Payment Services Directive (PSD2). The revised Payment Services Directive (PSD2) updates and enhances the EU rules put in place by the initial PSD adopted in 2007. Discover euro banknotes and their security features and find out more about the euro. They make and/or receive payments. The PSD2 sets out strict security requirements for electronic payments and the protection of consumers’ financial data. It authorises the relevant authorities to monitor and supervise their activities. Customer authentication is considered to be strong if it is based on the use of two or more of the following elements: (i) knowledge (something only the user knows, e.g. Member States must ensure that account-servicing payment service providers are not blocking or obstructing the use of payment initiation and account information services for the accounts they hold. Find out how the ECB promotes safe and efficient payment and settlement systems, and helps to integrate the infrastructure for European markets. In other cases of lost or stolen payment instruments (e.g. Even when the surcharge ban does not apply, the amount of any surcharge imposed cannot exceed the cost incurred by the merchant in accepting the particular payment method. The PSD2 Directive, the Act amending the Act on Payment Services as well as related acts of law (including, in particular, the Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open … Look at press releases, speeches and interviews and filter them by date, speaker or activity. Get an overview of what the European Central Bank does and how it operates. UK Finance PSD2 Guidance: Section 1 1 UK Finance are providing this guidance to assist the industry in implementing the requirements under the revised Payment Services Directive (PSD2) and the accompanying Regulatory Technical Standards on strong customer authentication and common and secure communication which apply from 14 … The PSD2 enhances consumer protection. Discover more about working at the ECB and apply for vacancies. Thus, there is a transition period during which payment service providers can already provide their services under the PSD2, but are not yet legally required to implement the respective security measures. Browse the ECB’s reports, publications and research papers and filter them by date or activity. The PSD2 sets rules for access to payment accounts for third-party payment service providers.

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