{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2026-10-26","gaps":[],"covered":["2018/389 — RTS — Strong customer authentication and secure communication [in force] L2"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"EUR-Lex"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/22","url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/22","title":"Article 22 — General 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Delegated Regulation (EU) 2018/389 · binding · OJ L 69, 13.3.2018 · dated 27 Nov 2017 [in force]","attribution":{"prepared_by":"European Commission","published_by":"Publications Office of the EU","published_in":"Official Journal of the European Union","document_type":"delegated_regulation","legal_nature":"binding_adopted","addressees":"not stated in the document","dates":{"document_date":"2017-11-27","entry_into_force":"2018-03-14","locators":{"document_date":"CELLAR 32018R0389 work_date_document","entry_into_force":"CELLAR 32018R0389 resource_legal_date_entry-into-force (earliest)"}},"adoption":null},"context":{"act":{"work_id":"spaces/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication","path":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication","name":"Commission Delegated Regulation (EU) 2018/389","number":"2018/389","celex":"32018R0389","title_official":"COMMISSION DELEGATED REGULATION (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication (Text with EEA relevance)","document_date":"2017-11-27"},"position":{"kind":"article","key":"22","index":23,"articles":39,"annexes":1},"prev":{"path":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/21","key":"21","title":"Article 21 — Monitoring"},"next":{"path":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/23","key":"23","title":"Article 23 — Creation and transmission of credentials"},"act_anchor":"#art-22"}},"provenance":{"official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02018R0389-20230912","check":{"result":"matched","checked_at":"2026-10-26","against":"EUR-Lex"},"repo_path":"spaces/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication.md","unit_text_sha256":"b46aa8612bda38a2bcca5e69cb8ef1233412bc5ef5878319cd1ded378184bcc7","note":"the unit is a byte-exact part of the act page, whose check record covers it"},"unit":{"locator":"spaces/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/art-22","kind":"article","key":"22","heading":"Article 22 — General requirements","text":"## <a id=\"art-22\"></a>Article 22 — General requirements\n\n1. <a id=\"art-22-p-1\"></a>Payment service providers shall ensure the confidentiality and integrity of the personalised security credentials of the payment service user, including authentication codes, during all phases of the authentication.\n\n2. <a id=\"art-22-p-2\"></a>For the purpose of paragraph 1, payment service providers shall ensure that each of the following requirements is met:\n\n    <a id=\"art-22-p-2-a\"></a>**(a)** personalised security credentials are masked when displayed and are not readable in their full extent when input by the payment service user during the authentication;\n\n    <a id=\"art-22-p-2-b\"></a>**(b)** personalised security credentials in data format, as well as cryptographic materials related to the encryption of the personalised security credentials are not stored in plain text;\n\n    <a id=\"art-22-p-2-c\"></a>**(c)** secret cryptographic material is protected from unauthorised disclosure.\n\n3. <a id=\"art-22-p-3\"></a>Payment service providers shall fully document the process related to the management of cryptographic material used to encrypt or otherwise render unreadable the personalised security credentials.\n\n4. <a id=\"art-22-p-4\"></a>Payment service providers shall ensure that the processing and routing of personalised security credentials and of the authentication codes generated in accordance with Chapter II take place in secure environments in accordance with strong and widely recognised industry standards.\n\n","marks":[],"text_hash":"b46aa8612bda38a2bcca5e69cb8ef1233412bc5ef5878319cd1ded378184bcc7","revision":1}}