{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2026-05-11","gaps":[],"covered":["EBA Q&A 2025_7603 — Q&A — Execution of an authorized payment instruction [Rejected question] 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-2025-7603-execution-of-an-authorized-payment-instruction-made","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made","title":"EBA Q&A 2025_7603 — Q&A — Execution of an authorized payment instruction [Rejected question]","family":"l3","work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made","status":"rejected question","force_status":null,"date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"EBA Q&A register, 11 May 2026","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/2025_7603","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"e1fd60a92532f66a","change_date":null,"nearest_versions":["2026-05-11"],"first_text_date":null,"correction_applies":false,"versions":["2026-05-11"],"version_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made/versions/2026-05-11","revision_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made/versions/2026-05-11/rev/e1fd60a92532f66a","versions_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made/versions","relations_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made/relations","source_line":"Question published in the EBA Q&A tool · no answer · not legislation · published 11 May 2026 [Rejected question]","attribution":{"prepared_by":"not stated in the document","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_question","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2026-05-11","question_submitted_on":"2025-10-17","locators":{"published_on":"EBA Q&A register entry 2025_7603, field 'Rejected publishing date'","question_submitted_on":"EBA Q&A register entry 2025_7603, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7603","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7603-execution-of-an-authorized-payment-instruction-made.md","body_sha256":"32c79fa22787662682f58d4a1a50958ffb3ab5bf827548b566924eba93bcd6e7"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2025_7603 — Q&A — Execution of an authorized payment instruction [Rejected question]\"\nshortTitle: \"EBA Q&A 2025_7603 — Q&A — Execution of an authorized payment instruction [Rejected question]\"\nanswer_id: EBA_QA_2025_7603\nstatus: \"Rejected question\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: withdrawn\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"PSD2\"\ndate: 11 May 2026\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7603\nlifecycle: \"Rejected question\"\ntext_version: \"EBA Q&A register, 11 May 2026\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7603\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"not stated in the document\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Other\"\n    locator: \"EBA Q&A register entry 2025_7603: no answer; the register names only the 'Type of submitter'\"\ndocument_type: \"qa_question\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2026-05-11\"\n  question_submitted_on: \"2025-10-17\"\n  locators:\n    published_on: \"EBA Q&A register entry 2025_7603, field 'Rejected publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2025_7603, field 'Submission date'\"\nlifecycle_label: \"Rejected question\"\n---\n\n**Question published in the EBA Q&A tool · no answer · not legislation · published 11 May 2026 [Rejected question]**\n\n*Rejected question · EBA Q&A register, 11 May 2026 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7603)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2025_7603 — Q&A — Execution of an authorized payment instruction \\[Rejected question\\] |\n| **Prepared by** | Not stated in the document |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2025_7603 |\n| **Document type** | Q&A |\n| **Legal nature** | No answer · not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 11 May 2026; question submitted 17 October 2025 |\n| **Legal basis** | PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Execution of an authorized payment instruction made conditional on manual user redirection**\n\n### Question\n\nIf an Account Servicing Payment Service Provider (ASPSP) makes the execution of a payment instruction, already successfully authorized via Strong Customer Authentication (SCA) in its app, conditional on the Payment Service User (PSU) subsequently manually returning from the ASPSP's authentication app back to the Third Party Provider's (TPP) environment, does this condition constitute an obstacle under Article 32(3) of the RTS?\n\n### Background\n\nArticle 32(3) of the RTS prohibits obstacles to the provision of PIS and AIS. Paragraph 16(ii) of the EBA Opinion on obstacles (EBA/OP/2020/10) further clarifies that after a successful authentication with the ASPSP, the PSU must be \"automatically redirected back to the AISP/PISP’s app, without for example the PSU having to manually reopen the TPP’s app, which would be an obstacle\".\n\nA critical issue has been observed in practice where some ASPSPs go beyond a mere failure to automatically redirect. In this scenario, a PSU successfully authenticates a payment instruction within the ASPSP's app and is shown a success confirmation message (e.g., \"Successfully confirmed\"). However, the ASPSP does not execute the payment instruction unless and until the PSU manually navigates back from the ASPSP's app to the TPP's environment (app or web). If the user closes the ASPSP's app, believing the payment has been made, the payment is never processed.\n\nThis makes the execution of an already authorized instruction conditional upon a subsequent, non-obvious manual action by the user. It is unclear if this practice, which fundamentally compromises the payment instruction itself, is merely an obstacle or a more severe breach of the RTS.\n\n***\n\n### Answer\n\nThis question has been rejected because EBA guidance or clarification is not needed. The question has already been addressed in paragraph 16 of the EBA Opinion on obstacles (EBA/OP/2020/10).\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7603)\n"}