<!-- headlesslaw {"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/32","url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/32","title":"Article 32 — Obligations for a dedicated interface","family":"l2_unit_view","work_id":"spaces/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication","view_of":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication","status":"in_force","force_status":"in_force","date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"Consolidated version of 12 September 2023","check":{"against":"EUR-Lex","on":"2026-10-26"},"check_result":"matched","official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02018R0389-20230912","valid_from":"2018-03-14","valid_until":null,"content_id":"cc829221a7ca86aa","versions":["2018-03-14"],"version_url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/32/versions/2026-10-26","revision_url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/32/versions/2026-10-26/rev/cc829221a7ca86aa","versions_url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/32/versions","relations_url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/32/relations","act_url":"https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication#art-32","source_line":"Commission 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":"32","index":33,"articles":39,"annexes":1},"prev":{"path":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/31","key":"31","title":"Article 31 — Access interface options"},"next":{"path":"/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication/articles/33","key":"33","title":"Article 33 — Contingency measures for a dedicated interface"},"act_anchor":"#art-32"}}} -->
# Article 32 — Obligations for a dedicated interface

**Commission Delegated Regulation (EU) 2018/389 · binding · OJ L 69, 13.3.2018 · dated 27 Nov 2017 [in force]**

*In force · Consolidated version of 12 September 2023 · Checked against EUR-Lex on 26 Oct 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02018R0389-20230912)*

1. <a id="art-32-p-1"></a>Subject to compliance with Article 30 and 31, account servicing payment service providers that have put in place a dedicated interface shall ensure that the dedicated interface offers at all times the same level of availability and performance, including support, as the interfaces made available to the payment service user for directly accessing its payment account online.

2. <a id="art-32-p-2"></a>Account servicing payment service providers that have put in place a dedicated interface shall define transparent key performance indicators and service level targets, at least as stringent as those set for the interface used by their payment service users both in terms of availability and of data provided in accordance with Article 36. Those interfaces, indicators and targets shall be monitored by the competent authorities and stress-tested.

3. <a id="art-32-p-3"></a>Account servicing payment service providers that have put in place a dedicated interface shall ensure that this interface does not create obstacles to the provision of payment initiation and account information services. Such obstacles, may include, among others, preventing the use by payment service providers referred to in Article 30(1) of the credentials issued by account servicing payment service providers to their customers, imposing redirection to the account servicing payment service provider's authentication or other functions, requiring additional authorisations and registrations in addition to those provided for in Articles 11, 14 and 15 of Directive (EU) 2015/2366, or requiring additional checks of the consent given by payment service users to providers of payment initiation and account information services.

4. <a id="art-32-p-4"></a>For the purpose of paragraphs 1 and 2, account servicing payment service providers shall monitor the availability and performance of the dedicated interface. Account servicing payment service providers shall publish on their website quarterly statistics on the availability and performance of the dedicated interface and of the interface used by its payment service users.
