{"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_7674 — Q&A — Requirement for ASPSPs to comply [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-2025-7674-requirement-for-aspsps-to-comply-with-standardized","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized","title":"EBA Q&A 2025_7674 — Q&A — Requirement for ASPSPs to comply [Rejected question]","family":"l3","work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized","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_7674","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"12a06d54fecf677d","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-2025-7674-requirement-for-aspsps-to-comply-with-standardized/versions/2026-05-11","revision_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized/versions/2026-05-11/rev/12a06d54fecf677d","versions_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized/versions","relations_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized/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":"2025-12-26","locators":{"published_on":"EBA Q&A register entry 2025_7674, field 'Rejected publishing date'","question_submitted_on":"EBA Q&A register entry 2025_7674, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7674","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7674-requirement-for-aspsps-to-comply-with-standardized.md","body_sha256":"6e9ff90a155158d6865d039d764bd2afaf80a5188b8150ad464680c2b71b3c81"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2025_7674 — Q&A — Requirement for ASPSPs to comply [Rejected question]\"\nshortTitle: \"EBA Q&A 2025_7674 — Q&A — Requirement for ASPSPs to comply [Rejected question]\"\nanswer_id: EBA_QA_2025_7674\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_7674\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_7674\"\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_7674: 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: \"2025-12-26\"\n  locators:\n    published_on: \"EBA Q&A register entry 2025_7674, field 'Rejected publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2025_7674, 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_7674)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2025_7674 — Q&A — Requirement for ASPSPs to comply \\[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_7674 |\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 26 December 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**Requirement for ASPSPs to comply with standardized communication protocols under Article 30(3) of Commission Delegated Regulation (EU) 2018/389**\n\n### Question\n\nUnder Article 30(3) of Commission Delegated Regulation (EU) 2018/389, ASPSPs are required to follow communication standards issued by international or European standardisation organisations.\n\nIn this context, we seek clarification on whether, when an ASPSP has chosen to adopt a recognized communication standard issued by a European or international standardisation body (such as ISO 20022) for its PSD2 interfaces, the standard is expected to be applied consistently and in accordance with its specifications across all such interfaces, regardless of internal documentation or subsequent clarifications issued by the ASPSP, which may reflect internal implementation approaches rather than the standard itself.\n\n### Background\n\nArticle 30(3) requires ASPSPs to ensure that their interfaces follow recognized communication standards issued by international or European standardisation organisations. Recital 21 emphasizes that, to achieve interoperability, the interface should use standards developed by such bodies, be adequately documented, and made publicly available.\n\nISO 20022 is an example of a widely used European standard to harmonize payment-related messages, including execution status codes. Applying these standards consistently ensures predictability, transparency, and interoperability, enabling third-party providers to process payment information and understand execution status reliably.\n\nIn practice, some ASPSPs provide guidance or documentation based on internal approaches, which may not fully align with recognized standards. This can create differences in message interpretation and affect interoperability.\n\nWe seek confirmation that, once an ASPSP has chosen to implement a recognized communication standard, the standard should prevail in its entirety and consistently, regardless of internal technical documentation or later clarifications issued by the ASPSP.\n\n***\n\n### Answer\n\nThis question has been rejected because the issue it raises is out of scope of the Q&A process: it does not relate to the legislative acts referred to in Article 1(2) of the EBA Regulation and their associated delegated and implementing acts, guidelines and recommendations.\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7674)\n"}