{"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_7608 — Q&A — Obstacle assessment of an ASPSP offering only web [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-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web","title":"EBA Q&A 2025_7608 — Q&A — Obstacle assessment of an ASPSP offering only web [Rejected question]","family":"l3","work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web","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_7608","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"b651a19bb2092179","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-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web/versions/2026-05-11","revision_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web/versions/2026-05-11/rev/b651a19bb2092179","versions_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web/versions","relations_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web/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_7608, field 'Rejected publishing date'","question_submitted_on":"EBA Q&A register entry 2025_7608, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7608","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7608-obstacle-assessment-of-an-aspsp-offering-only-web.md","body_sha256":"e5008786fc09df7a0ce6fe32c7a70177e14338948a231757b970a4d62701e9ac"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2025_7608 — Q&A — Obstacle assessment of an ASPSP offering only web [Rejected question]\"\nshortTitle: \"EBA Q&A 2025_7608 — Q&A — Obstacle assessment of an ASPSP offering only web [Rejected question]\"\nanswer_id: EBA_QA_2025_7608\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_7608\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_7608\"\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_7608: 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_7608, field 'Rejected publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2025_7608, 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_7608)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2025_7608 — Q&A — Obstacle assessment of an ASPSP offering only web \\[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_7608 |\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**Obstacle assessment of an ASPSP offering only web redirection to TPPs while a superior native app authentication method exists for its direct users**\n\n### Question\n\nDoes an Account Servicing Payment Service Provider's (ASPSP) decision to offer only a web-based redirection for Third Party Provider (TPP) initiated journeys constitute an obstacle under Article 32(3) of the RTS, if that ASPSP also makes available a more convenient, direct authentication procedure in its native mobile application for its Payment Service Users (PSUs) when they access their accounts directly?\n\n### Background\n\nWe acknowledge that the EBA Opinion on obstacles (EBA/OP/2020/10), specifically in paragraph 16(i), establishes a clear principle for mobile journeys: where a PSU uses a TPP's app and the ASPSP has an authentication app, the PSU should be redirected to the ASPSP's authentication app.\n\nHowever, an interpretive gap arises in practice. Many ASPSPs, while possessing a fully functional native mobile authentication app which provides a seamless experience for their direct users, deliberately do not make this app-to-app redirection path available for TPP-initiated journeys. Instead, they offer only a web-based redirection path for TPPs. These ASPSPs do not technically block their app, but they fail to implement the necessary technical means (e.g., universal links, app links) for the app-to-app redirect to function for the TPP channel, effectively forcing all TPP traffic through an inferior web-based channel.\n\nThe ambiguity lies in whether an ASPSP fulfills its obligations under the RTS by simply providing any compliant channel (the web redirect), or if it must provide the best and most equivalent channel (the native app journey) that it makes available to its own users for similar actions.\n\nThis situation leads to a fragmented market and a significant competitive disadvantage for TPPs. Therefore, a clarification is needed from the EBA.\n\n***\n\n### Answer\n\nThis question has been rejected because EBA guidance or clarification is not needed. The question has already been adressed 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_7608)\n"}