Payment services and electronic money
The EBA contributes to making retail payments in the EU secure, convenient, innovative and competitive. To that end, the EBA develops requirements aimed at reducing payment fraud and brings about a level playing field in the EU for the authorization and supervision of payment services providers. The EBA also promotes competition and facilitates innovation in the retail payments market.
links
- EBA's Consumer corner
- Consumer protection and financial innovation
- Anti-money laundering
- EBA working group on APIs
- Your rights when making payments in Europe
Technical Standards, Guidelines & Recommendations
Technical standards
Final draft RTS/ITS adopted by the EBA and submitted to the European Commission
Regulatory Technical Standards on strong customer authentication and secure communication under PSD2
Adopted and published in the Official Journal of the EU
Regulatory Technical Standards on central contact points under PSD2
Adopted and published in the Official Journal of the EU
Regulatory Technical Standards on Home-Host cooperation under PSD2
Adopted and published in the Official Journal of the EU
Regulatory Technical Standards on passporting under PSD2
These Regulatory Technical Standards (RTS) on the framework for cooperation and exchange of information between competent authorities for passporting will ensure that information about those payment institutions that carry out business in one or more EU Member States is exchanged consistently between the national authorities of the home and host Member States. They distinguish the notifications related to branch establishments, agent’s engagement and free provision of services.
Final draft RTS/ITS adopted by the EBA and submitted to the European Commission
Regulatory Technical Standards on payment card schemes and processing entities under the IFR
Guidelines
Final and translated into the EU official languages
Guidelines on the limited network exclusion under PSD2
Final and translated into the EU official languages
Final and translated into the EU official languages
Guidelines for complaints-handling for the securities (ESMA) and banking (EBA) sectors
Final and translated into the EU official languages
Guidelines on fraud reporting under PSD2
Extension of the application of the Joint Committee Guidelines on complaints-handling to the new institutions under PSD2 and MCD
Guidelines on security measures for operational and security risks under the PSD2
Final and translated into the EU official languages
Guidelines on major incidents reporting under PSD2
Final and translated into the EU official languages
Guidelines on procedures for complaints of alleged infringements of the PSD2
Final and translated into the EU official languages
Guidelines on authorisation and registration under PSD2
Final and translated into the EU official languages
Guidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance under PSD2
Opinions, Reports and other Publications
Opinions
29 April 2024
Opinion on new types of payment fraud and possible mitigations
23 June 2022
EBA's response to the Call for advice on the review of PSD2.pdf
Response to the Call for Advice on the review of PSD2
22 February 2021
Opinion on supervisory actions for removal of obstacles to account access under PSD2.pdf
Opinion on supervisory actions for removal of obstacles to account access under PSD2
4 June 2020
Opinion on obstacles under Article 32(3) of the RTS on SCA and CSC
16 October 2019
Opinion on the deadline for the migration to SCA.pdf
Opinion on the deadline for the migration to SCA for e-commerce card-based payment transactions
21 June 2019
EBA Opinion on SCA elements under PSD2 .pdf
Opinion on the elements of strong customer authentication under PSD2
24 April 2019
EBA Opinion .pdf
Opinion on the nature of passport notifications for agents and distributors of e-money
10 December 2018
EBA Opinion on the use of eIDAS certificates under the RTS on SCACSC.pdf
Opinion on the use of eIDAS certificates under the RTS on SCA and CSC
13 June 2018
Opinion on the implementation of the RTS on SCA and CSC (EBA-2018-Op-04).pdf
Opinion on the implementation of the RTS on SCA and CSC (EBA-2018-Op-04)
19 December 2017
EBA Opinion on the transition from PSD1 to PSD2 (EBA-Op-2017-16).pdf
EBA Opinion on the transition from PSD1 to PSD2 (EBA-Op-2017-16)
Decisions
1 July 2022
EBA DC 453 rev1 - Decision on reporting of payment fraud data under PSD2.pdf
Decision on reporting of payment fraud data under the revised Payment Services Directive
Reports
24 May 2024
Report on virtual IBANs
11 January 2023
Peer Review Report on authorisation under PSD2.pdf
Peer Review Report on authorisation under PSD2
23 June 2022
EBA's response to the Call for advice on the review of PSD2.pdf
Response to the Call for Advice on the review of PSD2
11 June 2021
Report on the data provided by PSPs on their readiness to apply SCA.pdf
Report on the data provided by payment service providers on their readiness to apply strong customer authentication
