Payment Services Directive 2 (PSD2) Payment Services Directive 2 (PSD2) Payment Services Directive 2 (PSD2): DIRECTIVE 2015/2366/EU (PSD2) Recital: Recital. Title I: SUBJECT MATTER, SCOPE AND DEFINITIONS Article 1: Subject matter. Article 2: …

A short overview of how the PSD2 fosters innovation, consumer protection and security Rules for third-party payment service providers. The PSD2 opens up the EU payments market to third-party payment service providers offering services based on …

The revised PSD2 has preserved the structure of 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 institutions (Title II),

‒ “There is a need for a close interplay between PSD2, MICA and the future regulation of CBDCs [...] including:” ‒ Revising the definition of funds in the PSD2 to cover e-money tokens; ‒ Adding “quasi-fund” definition to cover asset-referenced tokens; ‒ [...]”

The surcharge ban under PSD2 aims to protect consumers across Europe by prohibiting merchants from charging consumers additional fees for making payments by certain payment methods. For example, merchants, including ticketing, travel and food delivery websites, are no longer allowed to charge consumers additional fees for paying by debit or ...

Main aim of the document is to describe API provided by VUB to PSD2 licensed TPP. VUB provides bank interfaces to other licensed TPP.

2019年8月12日 · PSD2 aims to create a more open and secure payments environment which fosters innovation and increases consumer protection across Europe. With a more open environment, emerging fintech companies can compete with established banks to deliver consumers more convenience, better security, and lower prices.

2022年5月30日 · To keep pace with the rapid evolution in the payment industry, the European Union revised the Payment Services Directive (PSD) to PSD2. This guide explains what PSD2 is and what it means for consumers and merchants. What is PSD2? PSD2 is a European rule for electronic payment services.

2024年8月24日 · What is PSD2? PSD2 expanded on PSD1 by including new payment services, enhancing security through Strong Customer Authentication (SCA), and opening the market to fintechs by allowing Third-Party Providers (TPPs) to access payment services. PSD2 addresses recent advancements in the payments industry and further unifies the European payment market.

Overview –PSD2 expands the scope of PSD in two ways: – By increasing scope to cover international and currency payments. – By restricting the scope of some of the existing exemptions. “One-leg out” and non-EEA currencies.