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PSD2 — Payment Services Directive

Rules for payment services: strong customer authentication (SCA), open banking (TPP/XS2A), licensing and consumer protection.

Learn PSD2: what the directive regulates, strong customer authentication (SCA), open banking with third-party providers (AISP/PISP) and access to accounts (XS2A), licensing of payment institutions, liability and refund rules, the ban on card surcharging and the relationship to PSD3/PSR.

Content

What is PSD2?

Purpose, scope, the actors and the main novelties.

  • PSD2 in five minutes
    8 min
  • The actors and the payment services
    8 min
  • Purpose, open banking and competition
    8 min
  • Quiz: Hva er PSD2?
    5 min

Strong customer authentication and open banking

SCA and exemptions, TPP roles (AISP/PISP), access to accounts (XS2A) and security.

  • Strong customer authentication (SCA)
    8 min
  • SCA exemptions and secure communication
    8 min
  • TPP roles and access to accounts (XS2A)
    8 min
  • Quiz: Sterk kundeautentisering og åpen banking
    5 min

Licensing, liability and consumer protection

Licensing of payment institutions, liability/refunds, the surcharging ban, enforcement and PSD3/PSR.

  • Licensing and organisational requirements
    8 min
  • Liability, refunds and the surcharging ban
    8 min
  • Enforcement, PSD3/PSR and roadmap
    8 min
  • Quiz: Konsesjon, ansvar og forbrukervern
    5 min