--- title: "Article 94 — Data protection" type: regulation legal_status: in_force source: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117" source_retrieved: 2026-10-08 shortTitle: "Article 94 — Data protection" instrument_type: level1_directive authority: Commission binding: true binding_character: binding mica_level2: false legal_basis: "Directive (EU) 2015/2366" instrument: psd2 celex: "32015L2366" regulation: PSD2 regulation-full: "Directive (EU) 2015/2366" article: 94 status: in_force object_id: eu.psd2.legal_text.article.94 text_version: "Consolidated version of 17 January 2025" source_url: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117" check_status: matched verified: true last_checked: 2026-11-09 --- *In force · Consolidated version of 17 January 2025 · Verified 9 Nov 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)* 1. Member States shall permit processing of personal data by payment systems and payment service providers when necessary to safeguard the prevention, investigation and detection of payment fraud. The provision of information to individuals about the processing of personal data and the processing of such personal data and any other processing of personal data for the purposes of this Directive shall be carried out in accordance with Directive 95/46/EC, the national rules which transpose Directive 95/46/EC and with Regulation (EC) No 45/2001. 2. Payment service providers shall only access, process and retain personal data necessary for the provision of their payment services, with the explicit consent of the payment service user. ## Related Level 2 and Level 3 ### Guidance and Q&A - [EBA Q&A 2020_5570 — Q&A — Consumer explicit consent to the PISP for processing \[Final Q&A\]](../level-3/q-and-a/eba/eba-qa-2020-5570-consumer-explicit-consent-to-the-pisp-for-processing-of.md) *** [Title IV — Rights and obligations in relation to the provision and use of payment services](../titles/iv.md) · [← Article 93](93.md) · [Article 95 →](95.md)