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In this act Article 21 of 39
Text as of 26 Oct 2026 · Consolidated version of 12 September 2023 · Same wording as today’s text.Today’s text

Article 21 — Monitoring

Financial servicesLevel 2RTSPSD2In forceOfficial source

21(1)

1.In order to make use of the exemptions set out in Articles 10 to 18, payment service providers shall record and monitor the following data for each type of payment transactions, with a breakdown for both remote and non-remote payment transactions, at least on a quarterly basis:

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21(1)(a)
(a)the total value of unauthorised or fraudulent payment transactions in accordance with Article 64(2) of Directive (EU) 2015/2366, the total value of all payment transactions and the resulting fraud rate, including a breakdown of payment transactions initiated through strong customer authentication and under each of the exemptions;
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21(1)(b)
(b)the average transaction value, including a breakdown of payment transactions initiated through strong customer authentication and under each of the exemptions;
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21(1)(c)
(c)the number of payment transactions where each of the exemptions was applied and their percentage in respect of the total number of payment transactions.
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21(2)

2.Payment service providers shall make the results of the monitoring in accordance with paragraph 1 available to competent authorities and to EBA, with prior notification to the relevant competent authority(ies), upon their request.

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CHAPTER IV — CONFIDENTIALITY AND INTEGRITY OF THE PAYMENT SERVICE USERS' PERSONALISED SECURITY CREDENTIALS