{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2019-12-20","gaps":[],"covered":["EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments [Final Q&A] L3"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"the EBA publication"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments","title":"EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments [Final Q&A]","family":"l3","work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments","status":"final q&a","force_status":null,"date_state":"current","requested_date":null,"as_of":"2026-11-02","applies_from":null,"application":null,"version_label":"EBA Q&A register, 20 December 2019","check":{"against":"the EBA publication","on":"2026-10-26"},"check_result":"matched","official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4435","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"4350424da49f6f08","change_date":null,"nearest_versions":["2019-12-20"],"first_text_date":null,"correction_applies":false,"versions":["2019-12-20"],"version_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments/versions/2019-12-20","revision_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments/versions/2019-12-20/rev/4350424da49f6f08","versions_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments/versions","relations_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments/relations","source_line":"Answer by the EBA, published in its Q&A tool · not legislation · published 20 Dec 2019 [Final Q&A]","attribution":{"prepared_by":"EBA","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_answer","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2019-12-20","question_submitted_on":"2018-12-27","locators":{"published_on":"EBA Q&A register entry 2018_4435, field 'Final publishing date'","question_submitted_on":"EBA Q&A register entry 2018_4435, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4435","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments.md","body_sha256":"da7dc33fd4577cf78941b536c3379b659a195fa087cfb3eae43f2e751a00d38f"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments [Final Q&A]\"\nshortTitle: \"EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments [Final Q&A]\"\nanswer_id: EBA_QA_2018_4435\nstatus: \"Final Q&A\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: in_force\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"Article 97(2) PSD2\"\ndate: 20 December 2019\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4435\nlifecycle: \"Final Q&A\"\ntext_version: \"EBA Q&A register, 20 December 2019\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4435\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"EBA\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Answer prepared by the EBA.\"\n    locator: \"EBA Q&A register entry 2018_4435, field 'Answer prepared by'\"\ndocument_type: \"qa_answer\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2019-12-20\"\n  question_submitted_on: \"2018-12-27\"\n  locators:\n    published_on: \"EBA Q&A register entry 2018_4435, field 'Final publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2018_4435, field 'Submission date'\"\nlifecycle_label: \"Final Q&A\"\n---\n\n**Answer by the EBA, published in its Q&A tool · not legislation · published 20 Dec 2019 [Final Q&A]**\n\n*Final Q&A · EBA Q&A register, 20 December 2019 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4435)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments \\[Final Q&A\\] |\n| **Prepared by** | EBA |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2018_4435 |\n| **Document type** | Q&A |\n| **Legal nature** | Not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 20 December 2019; question submitted 27 December 2018 |\n| **Legal basis** | Article 97(2) PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Dynamic Linking for batch payments**\n\n### Question\n\nWith regards to dynamic linking for a batch of remote electronic payments, should the authentication code be linked to each and every IBAN of all the beneficiaries in a batch file?\n\n### Background\n\nArticle 5 of the RTS on SCA and CSC mandates that when payment service providers apply strong customer authentication, the authentication code generated is specific to the amount of the payment transaction and the payee agreed to by the payer when initiating the transaction. Moreover, in relation to the execution of a batch of remote electronic payment transactions, Article 5(3)(b) states that the authentication shall be specific to the total amount of the batch of payment transactions and to the specific payees.\n\nWhile dynamic linking for single payment transactions can be can be relatively easy to implement, as there is a single IBAN and amount, the market is concerned on how this can be achieved on a technical level for batch payment transactions when potentially the batch file might contain thousands of different IBANs.\n\n***\n\n### Answer\n\nArticle 5(3)(b) of the Commission Delegated Regulation (EU) 2018/389 states that “in relation to payment transactions for which the payer has given consent to execute a batch of remote electronic payment transactions to one or several payees, the authentication code shall be specific to the total amount of the batch of payment transactions and to the specified payees”.\n\nIn this regard, the payment service provider should dynamically link the authentication code for a batch of remote electronic payment transactions to every single payee included in that batch. In the cases where an IBAN is used for the identification of the payee, the IBAN of each payee need to be linked dynamically to the authentication code.\n\nIn addition, in line with the requirements of Article 5(1)(d) of the Delegated Regulation, it has to be assured that any modification, addition or deletion of any IBAN (or similar type of unique identifier) results in an invalidation of the authentication code.\n\nQ&A 2019\\_4556 provides further details on the identification of the payee and the generation of the authentication code.\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2018_4435)\n\n## Related Level 1 articles\n\n- [Article 97 — Authentication](../../../articles/97.md)\n"}