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# Map of the law — PSD2

All links as a table (265)

| Article | Level | Document | Link type | From | Until |
|---|---|---|---|---|---|
| [Whole act](https://www.headlesslaw.com/psd2) | Level 3 | [EBA-Op-2019-03 — Opinion — Passport notifications regarding agents and distributors [published]](https://www.headlesslaw.com/psd2/level-3/opinions/eba-op-2019-03-passport-notifications-agents-distributors) · not legislation | Explains | 24 Apr 2019 | — |
| [Article 1](https://www.headlesslaw.com/psd2/articles/1) | Level 3 | [EBA Q&A 2021_6283 — Q&A — Provision of the acquiring of payment transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6283-provision-of-the-acquiring-of-payment-transactions-payment) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 1](https://www.headlesslaw.com/psd2/articles/1) | Level 3 | [EBA Q&A 2023_6750 — Q&A — requirements for professional experience [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6750-requirements-for-professional-experience-of-representatives) · not legislation | Explains | 10 Jul 2023 | — |
| [Article 2](https://www.headlesslaw.com/psd2/articles/2) | Level 3 | [EBA Q&A 2018_4233 — Q&A — Is the scope of the RTS on strong customer authentication [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4233-is-the-scope-of-the-rts-on-strong-customer-authentication) · not legislation | Explains | 6 Sep 2019 | — |
| [Article 2](https://www.headlesslaw.com/psd2/articles/2) | Level 3 | [EBA Q&A 2018_4272 — Q&A — Payment accounts and reference accounts [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4272-payment-accounts-and-reference-accounts) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2018_4181 — Q&A — The Implementation of the electronic communications [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4181-the-implementation-of-the-electronic-communications) · not legislation | Explains | 6 Sep 2019 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2019_4604 — Q&A — Scope - Limited network exclusion [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4604-scope-limited-network-exclusion) · not legislation | Explains | 21 Jan 2022 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2019_4982 — Q&A — Services offered by means of ATM by providers [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4982-services-offered-by-means-of-atm-by-providers) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2019_5019 — Q&A — Online foreign exchange [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5019-online-foreign-exchange) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2020_5354 — Q&A — The implementation of commercial agent exclusion [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5354-the-implementation-of-commercial-agent-exclusion-for-e) · not legislation | Explains | 3 Dec 2021 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2020_5355 — Q&A — The implementation of commercial agent exclusion for B2C [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5355-the-implementation-of-commercial-agent-exclusion-for-b2c-e) · not legislation | Explains | 6 Dec 2021 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2022_6360 — Q&A — Exclusion of cash withdrawal services from PSD2 [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6360-exclusion-of-cash-withdrawal-services-from-psd2) · not legislation | Explains | 11 Oct 2024 | — |
| [Article 3](https://www.headlesslaw.com/psd2/articles/3) | Level 3 | [EBA Q&A 2022_6391 — Q&A — Paper-based postal money orders as defined [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6391-paper-based-postal-money-orders-as-defined-by-the-universal) · not legislation | Explains | 11 Jul 2025 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2018_4081 — Q&A — On the access to names and surnames through the API [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4081-on-the-access-to-names-and-surnames-through-the-api) · not legislation | Explains | 25 Jan 2019 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2018_4188 — Q&A — Information to be provided / made available by ASPSP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4188-information-to-be-provided-made-available-by-aspsp-to) · not legislation | Explains | 10 May 2019 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2018_4359 — Q&A — Does SCA apply to electronically processed SEPA Direct [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4359-does-sca-apply-to-electronically-processed-sepa-direct) · not legislation | Explains | 22 Feb 2019 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2019_4671 — Q&A — Compliance of (1) card data (2) SMS OTP and (3) EMV 3DS [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4671-compliance-of-1-card-data-2-sms-otp-and-3-emv-3ds-behaviour) · not legislation | Explains | 5 Mar 2021 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2019_4919 — Q&A — Interpretation of payment instrument [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4919-interpretation-of-payment-instrument) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2020_5099 — Q&A — Collection of fees for utilities or other regular [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5099-collection-of-fees-for-utilities-or-other-regular-services) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2020_5215 — Q&A — Elements of possession (SIM card) and knowledge [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5215-elements-of-possession-sim-card-and-knowledge-knowledge) · not legislation | Explains | 5 Nov 2021 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2020_5216 — Q&A — Money Remittance [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5216-money-remittance) · not legislation | Explains | 18 Mar 2022 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2021_5755 — Q&A — On the access to safeguarding accounts through [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-5755-on-the-access-to-safeguarding-accounts-through-the) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2021_5821 — Q&A — Strong customer authentication (SCA) Knowledge element [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-5821-strong-customer-authentication-sca-knowledge-element-place) · not legislation | Explains | 30 Jul 2021 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2022_6481 — Q&A — Reading of the term means of payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6481-reading-of-the-term-means-of-payment) · not legislation | Explains | 29 Sep 2023 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2022_6489 — Q&A — The definition of payment services and in particular [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6489-the-definition-of-payment-services-and-in-particular-the) · not legislation | Explains | 11 Oct 2024 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2023_6910 — Q&A — Interpretation of payment instrument [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6910-interpretation-of-payment-instrument) · not legislation | Explains | 11 Jul 2025 | — |
| [Article 4](https://www.headlesslaw.com/psd2/articles/4) | Level 3 | [EBA Q&A 2023_6951 — Q&A — Requirement for loan agents to register [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6951-requirement-for-loan-agents-to-register-as-payment-service) · not legislation | Explains | 13 Feb 2024 | — |
| [Article 5](https://www.headlesslaw.com/psd2/articles/5) | Level 3 | [EBA Q&A 2019_4542 — Q&A — Insurance policy on minimum monetary amount [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4542-insurance-policy-on-minimum-monetary-amount-of-the) · not legislation | Explains | 31 Jul 2020 | — |
| [Article 5](https://www.headlesslaw.com/psd2/articles/5) | Level 3 | [EBA Q&A 2019_4753 — Q&A — Requirement for credit institutions [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4753-requirement-for-credit-institutions-and-electronic-money) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 5](https://www.headlesslaw.com/psd2/articles/5) | Level 3 | [EBA Q&A 2020_5335 — Q&A — How to use bank guarantees instead of PII [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5335-how-to-use-bank-guarantees-instead-of-pii) · not legislation | Explains | 9 Apr 2021 | — |
| [Article 5](https://www.headlesslaw.com/psd2/articles/5) | Level 3 | [EBA Q&A 2023_6675 — Q&A — Consideration of own funds requirements as a comparable [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6675-consideration-of-own-funds-requirements-as-a-comparable) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 5](https://www.headlesslaw.com/psd2/articles/5) | Level 3 | [EBA Q&A 2025_7317 — Q&A — Minimum monetary amount of professional indemnity [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7317-minimum-monetary-amount-of-professional-indemnity-insurance) · not legislation | Explains | 3 Oct 2025 | — |
| [Article 5](https://www.headlesslaw.com/psd2/articles/5) | Level 3 | [EBA/GL/2017/09 — Guideline — Authorisation and registration under PSD2 [final]](https://www.headlesslaw.com/psd2/level-3/guidelines/eba-gl-2017-09-authorisation-and-registration) · not legislation | Explains | 11 Jul 2017 | — |
| [Article 6](https://www.headlesslaw.com/psd2/articles/6) | Level 3 | [EBA Q&A 2021_6298 — Q&A — Clarification on the protection requirements [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6298-clarification-on-the-protection-requirements-of-a) · not legislation | Explains | 14 Oct 2022 | — |
| [Article 7](https://www.headlesslaw.com/psd2/articles/7) | Level 3 | [EBA Q&A 2022_6570 — Q&A — Initial Capital [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6570-initial-capital) · not legislation | Explains | 10 Jul 2023 | — |
| [Article 8](https://www.headlesslaw.com/psd2/articles/8) | Level 3 | [EBA Q&A 2023_6790 — Q&A — Multi-licensed entity capital requirement [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6790-multi-licensed-entity-capital-requirement) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 9](https://www.headlesslaw.com/psd2/articles/9) | Level 3 | [EBA Q&A 2018_4298 — Q&A — Calculation of own funds required for payment institution [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4298-calculation-of-own-funds-required-for-payment-institution) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 9](https://www.headlesslaw.com/psd2/articles/9) | Level 3 | [EBA Q&A 2018_4299 — Q&A — Calculation of own funds required for payment institution [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4299-calculation-of-own-funds-required-for-payment-institution) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 9](https://www.headlesslaw.com/psd2/articles/9) | Level 3 | [EBA Q&A 2019_4691 — Q&A — Interpretation of the words ‘preceding year’ [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4691-interpretation-of-the-words-preceding-year-in-method-b) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 9](https://www.headlesslaw.com/psd2/articles/9) | Level 3 | [EBA Q&A 2021_6241 — Q&A — Calculation of “payment volume” for method B [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6241-calculation-of-payment-volume-for-method-b-in-the-article-9) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 9](https://www.headlesslaw.com/psd2/articles/9) | Level 3 | [EBA Q&A 2022_6385 — Q&A — Interpretation of the words ‘preceding year’ [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6385-interpretation-of-the-words-preceding-year-in-method-b) · not legislation | Explains | 20 May 2022 | — |
| [Article 10](https://www.headlesslaw.com/psd2/articles/10) | Level 3 | [EBA Q&A 2019_4921 — Q&A — Safeguarding requirements [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4921-safeguarding-requirements) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 10](https://www.headlesslaw.com/psd2/articles/10) | Level 3 | [EBA Q&A 2020_5264 — Q&A — Safeguarding [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5264-safeguarding) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 10](https://www.headlesslaw.com/psd2/articles/10) | Level 3 | [EBA Q&A 2020_5502 — Q&A — Clarification of meanings 'transferring of funds' [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5502-clarification-of-meanings-transferring-of-funds-and-another) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 10](https://www.headlesslaw.com/psd2/articles/10) | Level 3 | [EBA Q&A 2023_6882 — Q&A — Safeguarding with a credit institition in a third country [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6882-safeguarding-with-a-credit-institition-in-a-third-country) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 10](https://www.headlesslaw.com/psd2/articles/10) | Level 3 | [EBA Q&A 2024_7165 — Q&A — Compliance of non-bank PSPs with the safeguarding [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2024-7165-compliance-of-non-bank-psps-with-the-safeguarding) · not legislation | Explains | 8 May 2025 | — |
| [Article 10](https://www.headlesslaw.com/psd2/articles/10) | Level 3 | [EBA Q&A 2024_7199 — Q&A — non-discrimination in implementing PSD2 [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2024-7199-non-discrimination-in-implementing-psd2-for-safeguarding) · not legislation | Explains | 29 Apr 2025 | — |
| [Article 11](https://www.headlesslaw.com/psd2/articles/11) | Level 3 | [EBA Q&A 2019_4874 — Q&A — Roles that can be assigned to electronic money [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4874-roles-that-can-be-assigned-to-electronic-money-institutions) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 13](https://www.headlesslaw.com/psd2/articles/13) | Level 3 | [EBA Q&A 2018_4360 — Q&A — Application of the exemption related to a trusted [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4360-application-of-the-exemption-related-to-a-trusted) · not legislation | Explains | 8 Mar 2019 | — |
| [Article 13](https://www.headlesslaw.com/psd2/articles/13) | Level 3 | [EBA Q&A 2022_6437 — Q&A — Annex VI - Agentes/distributors [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6437-annex-vi-agentes-distributors) · not legislation | Explains | 14 Oct 2022 | — |
| [Article 14](https://www.headlesslaw.com/psd2/articles/14) | Level 3 | [EBA Q&A 2019_4507 — Q&A — Content of eIDAS certificates if agents or outsource [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4507-content-of-eidas-certificates-if-agents-or-outsource) · not legislation | Explains | 26 Apr 2019 | — |
| [Article 15](https://www.headlesslaw.com/psd2/articles/15) | Level 2 | [2019/410 — ITS — Details and structure of the information to be notified [in force]](https://www.headlesslaw.com/psd2/level-2/its/2019-410-details-and-structure-of-information) · binding | Implements | 4 Apr 2019 | — |
| [Article 15](https://www.headlesslaw.com/psd2/articles/15) | Level 2 | [2019/411 — RTS — Electronic central register [in force]](https://www.headlesslaw.com/psd2/level-2/rts/2019-411-electronic-central-register) · binding | Implements | 4 Apr 2019 | — |
| [Article 15](https://www.headlesslaw.com/psd2/articles/15) | Level 3 | [EBA Q&A 2019_4564 — Q&A — Exemptions from Strong Customer Authentication (SCA) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4564-exemptions-from-strong-customer-authentication-sca-credit) · not legislation | Explains | 19 Jun 2020 | — |
| [Article 15](https://www.headlesslaw.com/psd2/articles/15) | Level 3 | [EBA Q&A 2021_6078 — Q&A — Information on the host member State in which Third Party [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6078-information-on-the-host-member-state-in-which-third-party) · not legislation | Explains | 14 Oct 2022 | — |
| [Article 18](https://www.headlesslaw.com/psd2/articles/18) | Level 3 | [EBA Q&A 2018_4221 — Q&A — Ability of a payment account operated by a payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4221-ability-of-a-payment-account-operated-by-a-payment) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 18](https://www.headlesslaw.com/psd2/articles/18) | Level 3 | [EBA Q&A 2022_6611 — Q&A — Payment account [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6611-payment-account) · not legislation | Explains | 11 Oct 2024 | — |
| [Article 24](https://www.headlesslaw.com/psd2/articles/24) | Level 3 | [EBA Q&A 2020_5626 — Q&A — Association with the payment service user by means [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5626-association-with-the-payment-service-user-by-means-of-a) · not legislation | Explains | 24 Sep 2021 | — |
| [Article 28](https://www.headlesslaw.com/psd2/articles/28) | Level 2 | [2017/2055 — RTS — Cooperation and exchange of information [in force]](https://www.headlesslaw.com/psd2/level-2/rts/2017-2055-cooperation-and-exchange-of-information) · binding | Implements | 1 Dec 2017 | — |
| [Article 28](https://www.headlesslaw.com/psd2/articles/28) | Level 3 | [EBA Q&A 2018_4170 — Q&A — Home / host cooperation [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4170-home-host-cooperation) · not legislation | Explains | 17 Dec 2021 | — |
| [Article 28](https://www.headlesslaw.com/psd2/articles/28) | Level 3 | [EBA Q&A 2018_4432 — Q&A — Passporting and eIDAS certificates [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4432-passporting-and-eidas-certificates) · not legislation | Explains | 26 Apr 2019 | — |
| [Article 29](https://www.headlesslaw.com/psd2/articles/29) | Level 2 | [2020/1423 — RTS — Central contact points [in force]](https://www.headlesslaw.com/psd2/level-2/rts/2020-1423-central-contact-points) · binding | Implements | 29 Oct 2020 | — |
| [Article 29](https://www.headlesslaw.com/psd2/articles/29) | Level 2 | [2021/1722 — RTS — Cooperation and the exchange of information [in force]](https://www.headlesslaw.com/psd2/level-2/rts/2021-1722-supervisory-cooperation) · binding | Implements | 18 Oct 2021 | — |
| [Article 32](https://www.headlesslaw.com/psd2/articles/32) | Level 3 | [EBA Q&A 2021_6246 — Q&A — Change of TPP access rights for AIS consent by the PSU [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6246-change-of-tpp-access-rights-for-ais-consent-by-the-psu) · not legislation | Explains | 14 Oct 2022 | — |
| [Article 33](https://www.headlesslaw.com/psd2/articles/33) | Level 3 | [EBA Q&A 2019_4638 — Q&A — Wide usage portability between Member States [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4638-wide-usage-portability-between-member-states) · not legislation | Explains | 26 Apr 2019 | — |
| [Article 33](https://www.headlesslaw.com/psd2/articles/33) | Level 3 | [EBA Q&A 2019_4712 — Q&A — AISPs and scope of application AML requirements [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4712-aisps-and-scope-of-application-aml-requirements) · not legislation | Explains | 11 Mar 2022 | — |
| [Article 33](https://www.headlesslaw.com/psd2/articles/33) | Level 3 | [EBA Q&A 2022_6613 — Q&A — Publication of quarterly statistics, according [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6613-publication-of-quarterly-statistics-according-to-gl-3-of) · not legislation | Explains | 29 Mar 2023 | — |
| [Article 45](https://www.headlesslaw.com/psd2/articles/45) | Level 3 | [EBA Q&A 2023_6777 — Q&A — Exchange rate mark-ups part of 'all charges [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6777-exchange-rate-mark-ups-part-of-all-charges-payable-currency) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 46](https://www.headlesslaw.com/psd2/articles/46) | Level 3 | [EBA Q&A 2019_4601 — Q&A — ASPSP providing updated payment status to PISP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4601-aspsp-providing-updated-payment-status-to-pisp) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 58](https://www.headlesslaw.com/psd2/articles/58) | Level 3 | [EBA Q&A 2022_6612 — Q&A — Information provided to the payee on individual payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6612-information-provided-to-the-payee-on-individual-payment) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 64](https://www.headlesslaw.com/psd2/articles/64) | Level 3 | [EBA Q&A 2018_4096 — Q&A — API functionality [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4096-api-functionality) · not legislation | Explains | 21 Jan 2022 | — |
| [Article 64](https://www.headlesslaw.com/psd2/articles/64) | Level 3 | [EBA Q&A 2018_4123 — Q&A — Explicit consent required by the ASPSP from the PSU [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4123-explicit-consent-required-by-the-aspsp-from-the-psu-to) · not legislation | Explains | 11 Jan 2019 | — |
| [Article 64](https://www.headlesslaw.com/psd2/articles/64) | Level 3 | [EBA Q&A 2025_7644 — Q&A — Obligations of ASPSPs to inform PISPs about the execution [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7644-obligations-of-aspsps-to-inform-pisps-about-the-execution) · not legislation | Explains | 12 Jun 2026 | — |
| [Article 65](https://www.headlesslaw.com/psd2/articles/65) | Level 3 | [EBA Q&A 2021_6077 — Q&A — Confirmation of Funds (CoF) request by a PISP in case [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6077-confirmation-of-funds-cof-request-by-a-pisp-in-case-of) · not legislation | Explains | 17 Dec 2021 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2018_4117 — Q&A — Sanctions list screening in the context of TPPs' services [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4117-sanctions-list-screening-in-the-context-of-tpps-services) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2019_4496 — Q&A — Revocation of future dated Payment Initiation Services [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4496-revocation-of-future-dated-payment-initiation-services-pis) · not legislation | Explains | 3 Dec 2021 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2019_4854 — Q&A — Account Data required by a ASPSP to execute a payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4854-account-data-required-by-a-aspsp-to-execute-a-payment-order) · not legislation | Explains | 5 Mar 2021 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2020_5498 — Q&A — Payers right to make use of payment initiation service [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5498-payers-right-to-make-use-of-payment-initiation-service) · not legislation | Explains | 17 Dec 2021 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2021_6318 — Q&A — Future-dated payments and recurring transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6318-future-dated-payments-and-recurring-transactions) · not legislation | Explains | 14 Oct 2022 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2021_6320 — Q&A — PISP’s access to payable charges applied by the ASPSP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6320-pisp-s-access-to-payable-charges-applied-by-the-aspsp-on) · not legislation | Explains | 28 Jun 2024 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2024_7003 — Q&A — Third party access to account attributes [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2024-7003-third-party-access-to-account-attributes) · not legislation | Explains | 30 Jul 2024 | — |
| [Article 66](https://www.headlesslaw.com/psd2/articles/66) | Level 3 | [EBA Q&A 2024_7261 — Q&A — Obstacles Faced by PISPs in Accessing Payment Status [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2024-7261-obstacles-faced-by-pisps-in-accessing-payment-status) · not legislation | Explains | 29 Aug 2025 | — |
| [Article 67](https://www.headlesslaw.com/psd2/articles/67) | Level 3 | [EBA Q&A 2018_4172 — Q&A — Interpretation of 'Active request for account [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4172-interpretation-of-active-request-for-account-information) · not legislation | Explains | 14 Dec 2018 | — |
| [Article 67](https://www.headlesslaw.com/psd2/articles/67) | Level 3 | [EBA Q&A 2023_6946 — Q&A — Card data (PAN) to be returned in AISP calls [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6946-card-data-pan-to-be-returned-in-aisp-calls) · not legislation | Explains | 11 Oct 2024 | — |
| [Article 68](https://www.headlesslaw.com/psd2/articles/68) | Level 3 | [EBA Q&A 2021_6245 — Q&A — ASPSP restricting access for TPPs who embeds the redirect [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6245-aspsp-restricting-access-for-tpps-who-embeds-the-redirect) · not legislation | Explains | 13 Apr 2022 | — |
| [Article 68](https://www.headlesslaw.com/psd2/articles/68) | Level 3 | [EBA Q&A 2025_7425 — Q&A — Setting limit (daily and/or per transaction) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7425-setting-limit-daily-and-or-per-transaction-for-the) · not legislation | Explains | 12 Dec 2025 | — |
| [Article 70](https://www.headlesslaw.com/psd2/articles/70) | Level 3 | [EBA Q&A 2020_5622 — Q&A — Application of SCA to issuing a payment instrument [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5622-application-of-sca-to-issuing-a-payment-instrument-and) · not legislation | Explains | 31 Jan 2023 | — |
| [Article 72](https://www.headlesslaw.com/psd2/articles/72) | Level 3 | [EBA Q&A 2022_6526 — Q&A — Evidences / Records to be stored by account servicing [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6526-evidences-records-to-be-stored-by-account-servicing-payment) · not legislation | Explains | 29 Sep 2023 | — |
| [Article 73](https://www.headlesslaw.com/psd2/articles/73) | Level 3 | [EBA Q&A 2019_4573 — Q&A — Immediate Refund by the Payment Service Provider [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4573-immediate-refund-by-the-payment-service-provider-of) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 74](https://www.headlesslaw.com/psd2/articles/74) | Level 3 | [EBA Q&A 2018_4042 — Q&A — Liability for fraud when SCA exemption used [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4042-liability-for-fraud-when-sca-exemption-used) · not legislation | Explains | 19 Jul 2019 | — |
| [Article 74](https://www.headlesslaw.com/psd2/articles/74) | Level 3 | [EBA Q&A 2018_4440 — Q&A — Revocation / Invalidation of SCA proof before execution [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4440-revocation-invalidation-of-sca-proof-before-execution-date) · not legislation | Explains | 17 Dec 2021 | — |
| [Article 74](https://www.headlesslaw.com/psd2/articles/74) | Level 3 | [EBA Q&A 2021_6305 — Q&A — Articulation and interaction of the second and the third [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6305-articulation-and-interaction-of-the-second-and-the-third) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 80](https://www.headlesslaw.com/psd2/articles/80) | Level 3 | [EBA Q&A 2018_4095 — Q&A — Irrevocability of a payment order initiated by a PISP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4095-irrevocability-of-a-payment-order-initiated-by-a-pisp) · not legislation | Explains | 21 Jan 2022 | — |
| [Article 80](https://www.headlesslaw.com/psd2/articles/80) | Level 3 | [EBA Q&A 2023_6873 — Q&A — PISP payment order cancellation due to fraud prevention [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6873-pisp-payment-order-cancellation-due-to-fraud-prevention) · not legislation | Explains | 17 Jan 2025 | — |
| [Article 87](https://www.headlesslaw.com/psd2/articles/87) | Level 3 | [EBA Q&A 2018_4150 — Q&A — Credit value date for payment transactions with currency [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4150-credit-value-date-for-payment-transactions-with-currency) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 94](https://www.headlesslaw.com/psd2/articles/94) | Level 3 | [EBA Q&A 2020_5570 — Q&A — Consumer explicit consent to the PISP for processing [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5570-consumer-explicit-consent-to-the-pisp-for-processing-of) · not legislation | Explains | 3 Dec 2021 | — |
| [Article 95](https://www.headlesslaw.com/psd2/articles/95) | Level 3 | [EBA Q&A 2018_4176 — Q&A — Operation and security risk assessment of a branch [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4176-operation-and-security-risk-assessment-of-a-branch-of-a) · not legislation | Explains | 14 Dec 2018 | — |
| [Article 95](https://www.headlesslaw.com/psd2/articles/95) | Level 3 | [EBA Q&A 2018_4231 — Q&A — Responsibility for comprehensive assessment according [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4231-responsibility-for-comprehensive-assessment-according-to) · not legislation | Explains | 19 Jul 2019 | — |
| [Article 95](https://www.headlesslaw.com/psd2/articles/95) | Level 3 | [EBA Q&A 2021_6156 — Q&A — Arbitrating between security and obstacles [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6156-arbitrating-between-security-and-obstacles) · not legislation | Explains | 27 Jan 2023 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2018_4144 — Q&A — Major incidents reporting [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4144-major-incidents-reporting) · not legislation | Explains | 14 Dec 2018 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2018_4399 — Q&A — Electronic chip transactions authenticated with a hand [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4399-electronic-chip-transactions-authenticated-with-a-hand) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_4703 — Q&A — Report of fraud rates by issuers and acquirers [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4703-report-of-fraud-rates-by-issuers-and-acquirers) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_4866 — Q&A — Reporting of card transactions that are out-of-scope [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4866-reporting-of-card-transactions-that-are-out-of-scope-from) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5008 — Q&A — Losses due to fraud per liability bearer / Perdite dovute [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5008-losses-due-to-fraud-per-liability-bearer-perdite-dovute-a) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5039 — Q&A — Reporting of fraud by the acquirers [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5039-reporting-of-fraud-by-the-acquirers) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5041 — Q&A — Reporting of PISP initiated payments [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5041-reporting-of-pisp-initiated-payments) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5042 — Q&A — Reporting of PISP transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5042-reporting-of-pisp-transactions) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5043 — Q&A — Direct debts fraud reporting [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5043-direct-debts-fraud-reporting) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5044 — Q&A — Recording of e-money [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5044-recording-of-e-money) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5046 — Q&A — Recording of card payments [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5046-recording-of-card-payments) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2019_5056 — Q&A — Data breakdown on fraud by different card functions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5056-data-breakdown-on-fraud-by-different-card-functions-for) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2020_5070 — Q&A — Reporting of e-commerce card-based payment transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5070-reporting-of-e-commerce-card-based-payment-transactions) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2023_6744 — Q&A — Service Downtime [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6744-service-downtime) · not legislation | Explains | 29 Sep 2023 | — |
| [Article 96](https://www.headlesslaw.com/psd2/articles/96) | Level 3 | [EBA Q&A 2023_6788 — Q&A — Fraud reporting [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6788-fraud-reporting) · not legislation | Explains | 14 Jun 2024 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4030 — Q&A — Geographical scope of application of the RTS on strong [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4030-geographical-scope-of-application-of-the-rts-on-strong) · not legislation | Explains | 6 Sep 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4031 — Q&A — Applicability of SCA to ‘card payments initiated [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4031-applicability-of-sca-to-card-payments-initiated-by-the) · not legislation | Explains | 1 Mar 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4032 — Q&A — Criteria for the application of the transaction risk [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4032-criteria-for-the-application-of-the-transaction-risk) · not legislation | Explains | 7 Dec 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4033 — Q&A — Criteria for the application of the transaction risk [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4033-criteria-for-the-application-of-the-transaction-risk) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4034 — Q&A — Criteria for the application of the transaction risk [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4034-criteria-for-the-application-of-the-transaction-risk) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4035 — Q&A — Criteria for the application of the transaction risk [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4035-criteria-for-the-application-of-the-transaction-risk) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4036 — Q&A — Application of the low-value contactless exemption [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4036-application-of-the-low-value-contactless-exemption) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4038 — Q&A — Applicability of the low-value contactless exemption [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4038-applicability-of-the-low-value-contactless-exemption-to) · not legislation | Explains | 11 Jan 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4039 — Q&A — Qualification of SMS OTP as an authentication factor [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4039-qualification-of-sms-otp-as-an-authentication-factor) · not legislation | Explains | 5 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4040 — Q&A — Currency conversion of the EUR thresholds contained [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4040-currency-conversion-of-the-eur-thresholds-contained-in-the) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4041 — Q&A — Display of incorrect authentication factors in case [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4041-display-of-incorrect-authentication-factors-in-case-of) · not legislation | Explains | 5 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4047 — Q&A — Review of security measures [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4047-review-of-security-measures) · not legislation | Explains | 9 Aug 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4048 — Q&A — Applicability of Strong Customer Authentication (SCA) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4048-applicability-of-strong-customer-authentication-sca-to) · not legislation | Explains | 14 Dec 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4049 — Q&A — Persistent authentication for wearable devices [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4049-persistent-authentication-for-wearable-devices) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4052 — Q&A — EMV cards and EMV terminals supporting online [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4052-emv-cards-and-emv-terminals-supporting-online-authentication) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4053 — Q&A — Length of authentication codes [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4053-length-of-authentication-codes) · not legislation | Explains | 8 Feb 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4054 — Q&A — Confidentiality of the application cryptogram for EMV [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4054-confidentiality-of-the-application-cryptogram-for-emv) · not legislation | Explains | 20 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4055 — Q&A — Confidentiality of offline PIN [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4055-confidentiality-of-offline-pin) · not legislation | Explains | 19 Jul 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4056 — Q&A — Application of the exemption for transactions to trusted [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4056-application-of-the-exemption-for-transactions-to-trusted) · not legislation | Explains | 21 Sep 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4057 — Q&A — SCA at vending machines without PIN pad [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4057-sca-at-vending-machines-without-pin-pad) · not legislation | Explains | 9 Aug 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4058 — Q&A — Transactions initiated via Interactive Voice Response [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4058-transactions-initiated-via-interactive-voice-response-ivr) · not legislation | Explains | 1 Mar 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4060 — Q&A — Exemption for secure corporate payment processes [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4060-exemption-for-secure-corporate-payment-processes-and) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4065 — Q&A — Accessing payment account online in web browser shall [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4065-accessing-payment-account-online-in-web-browser-shall) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4068 — Q&A — Exemption from strong customer authentication (SCA) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4068-exemption-from-strong-customer-authentication-sca-for) · not legislation | Explains | 21 Dec 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4076 — Q&A — On the access to trusted beneficiaries lists (RTS Art 13) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4076-on-the-access-to-trusted-beneficiaries-lists-rts-art-13-by) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4077 — Q&A — On the use and storage of Personalised Security [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4077-on-the-use-and-storage-of-personalised-security-credentials) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4083 — Q&A — On the application of SCA when cancelling a payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4083-on-the-application-of-sca-when-cancelling-a-payment) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4108 — Q&A — Scope of ‘initiation of an electronic payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4108-scope-of-initiation-of-an-electronic-payment-transaction) · not legislation | Explains | 20 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4110 — Q&A — Data authentication standards [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4110-data-authentication-standards) · not legislation | Explains | 20 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4131 — Q&A — Payee-initiated transactions with irregular period [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4131-payee-initiated-transactions-with-irregular-period-or) · not legislation | Explains | 1 Mar 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4133 — Q&A — Applicability of SCA to wallet solutions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4133-applicability-of-sca-to-wallet-solutions) · not legislation | Explains | 21 May 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4135 — Q&A — SMS OTP and credit card as a two authentication factor [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4135-sms-otp-and-credit-card-as-a-two-authentication-factor) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4141 — Q&A — Authentication code [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4141-authentication-code) · not legislation | Explains | 24 May 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4152 — Q&A — Review of the security measures: Audit report [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4152-review-of-the-security-measures-audit-report) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4153 — Q&A — Review of Security Measures - Auditors expertise [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4153-review-of-security-measures-auditors-expertise) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4155 — Q&A — Responsibility of national authority [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4155-responsibility-of-national-authority-with-regards-to-audit) · not legislation | Explains | 26 Oct 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4177 — Q&A — Application of SCA when a PSU accesses payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4177-application-of-sca-when-a-psu-accesses-payment-transactions) · not legislation | Explains | 9 Nov 2018 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4225 — Q&A — Contactless payments at point of sale - Applications [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4225-contactless-payments-at-point-of-sale-applications-of-the) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4226 — Q&A — Contactless payments at point of sale - Applications [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4226-contactless-payments-at-point-of-sale-applications-of-the) · not legislation | Explains | 8 Feb 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4315 — Q&A — Strong Authentication [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4315-strong-authentication) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4404 — Q&A — Subsequent instances of a recurring card payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4404-subsequent-instances-of-a-recurring-card-payment) · not legislation | Explains | 1 Mar 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4414 — Q&A — Usage of SMS for dynamic linking [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4414-usage-of-sms-for-dynamic-linking) · not legislation | Explains | 26 Feb 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4415 — Q&A — Dynamic linking for batch transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4415-dynamic-linking-for-batch-transactions) · not legislation | Explains | 20 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4429 — Q&A — Application of the Low Value Transaction Limits [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4429-application-of-the-low-value-transaction-limits) · not legislation | Explains | 26 Apr 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2018_4435 — Q&A — Dynamic Linking for batch payments [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4435-dynamic-linking-for-batch-payments) · not legislation | Explains | 20 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4450 — Q&A — Potential inconsistency on the application [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4450-potential-inconsistency-on-the-application-of-strong) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4484 — Q&A — Strong customer authentication requirement [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4484-strong-customer-authentication-requirement-on-pay-by) · not legislation | Explains | 21 Jan 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4556 — Q&A — Definition of payee for dynamic linking [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4556-definition-of-payee-for-dynamic-linking) · not legislation | Explains | 20 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4560 — Q&A — SCA profiles and multiple-use of devices [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4560-sca-profiles-and-multiple-use-of-devices) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4594 — Q&A — Definition of an electronic remote payment transaction [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4594-definition-of-an-electronic-remote-payment-transaction) · not legislation | Explains | 21 Jan 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4637 — Q&A — Separation of factors for strong customer authentication [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4637-separation-of-factors-for-strong-customer-authentication) · not legislation | Explains | 19 Jun 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4664 — Q&A — Applicability of SCA to electronically processed SEPA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4664-applicability-of-sca-to-electronically-processed-sepa) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4740 — Q&A — Compliance with SCA in offline mode on an aircraft [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4740-compliance-with-sca-in-offline-mode-on-an-aircraft-without) · not legislation | Explains | 6 Dec 2019 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4788 — Q&A — Treatment of electronic bookings similar to Mail Order [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4788-treatment-of-electronic-bookings-similar-to-mail-order-and) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4790 — Q&A — Keyed Mail Order or Telephone Order (MO-TO) transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4790-keyed-mail-order-or-telephone-order-mo-to-transactions) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4791 — Q&A — Processing payments for hotel reservations [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4791-processing-payments-for-hotel-reservations) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4792 — Q&A — Merchant Initiated Transactions exemption for hotel [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4792-merchant-initiated-transactions-exemption-for-hotel) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4794 — Q&A — Consumer mandate under Merchant Initiated Transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4794-consumer-mandate-under-merchant-initiated-transactions) · not legislation | Explains | 12 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4795 — Q&A — Validity of SCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4795-validity-of-sca) · not legislation | Explains | 24 Sep 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4796 — Q&A — Intermediaries and Merchant-ID [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4796-intermediaries-and-merchant-id) · not legislation | Explains | 24 Sep 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4797 — Q&A — Merchant IDs and SCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4797-merchant-ids-and-sca) · not legislation | Explains | 5 Nov 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4800 — Q&A — Whitelisting [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4800-whitelisting) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4827 — Q&A — Tokenised card details as a SCA possession element. [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4827-tokenised-card-details-as-a-sca-possession-element) · not legislation | Explains | 7 Aug 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4855 — Q&A — Application of the strong customer authentication (SCA) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4855-application-of-the-strong-customer-authentication-sca-in) · not legislation | Explains | 23 Apr 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4875 — Q&A — Failed Authentication Code [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4875-failed-authentication-code) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4910 — Q&A — Authentication code [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4910-authentication-code) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_4937 — Q&A — SCA for contactless payments at a POS executed [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4937-sca-for-contactless-payments-at-a-pos-executed-via-a-mobile) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2019_5054 — Q&A — Contingency Measures under Article 33 [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-5054-contingency-measures-under-article-33) · not legislation | Explains | 23 Apr 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5115 — Q&A — Using Trusted Beneficiary Lists to Auto Reject PISP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5115-using-trusted-beneficiary-lists-to-auto-reject-pisp) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5124 — Q&A — SCA for staff assisted electronic channel [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5124-sca-for-staff-assisted-electronic-channel) · not legislation | Explains | 21 Jan 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5133 — Q&A — Dynamic linking: transactions for which the final amount [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5133-dynamic-linking-transactions-for-which-the-final-amount-is) · not legislation | Explains | 29 May 2020 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5135 — Q&A — Payment Initiation Scope and Trusted Beneficiaries [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5135-payment-initiation-scope-and-trusted-beneficiaries) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5184 — Q&A — Obstacles to the payment initiation service [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5184-obstacles-to-the-payment-initiation-service) · not legislation | Explains | 5 Mar 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5247 — Q&A — Clarification of remote payment for dynamic linking [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5247-clarification-of-remote-payment-for-dynamic-linking) · not legislation | Explains | 13 Apr 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5288 — Q&A — Mount unattended contactless device on general goods [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5288-mount-unattended-contactless-device-on-general-goods) · not legislation | Explains | 11 Mar 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5353 — Q&A — On the requirements for 'inherence' in strong customer [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5353-on-the-requirements-for-inherence-in-strong-customer) · not legislation | Explains | 23 Apr 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5366 — Q&A — Clarification on where the creation of the authentication [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5366-clarification-on-where-the-creation-of-the-authentication) · not legislation | Explains | 30 Jul 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5516 — Q&A — Perform SCA by reusing an element used [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5516-perform-sca-by-reusing-an-element-used-in-an-authentication) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5534 — Q&A — Bill-payment via postal service [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5534-bill-payment-via-postal-service) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5620 — Q&A — Use of behavioural data for SCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5620-use-of-behavioural-data-for-sca) · not legislation | Explains | 23 Apr 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5621 — Q&A — Use of new technology for SCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5621-use-of-new-technology-for-sca) · not legislation | Explains | 23 Apr 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2020_5673 — Q&A — Legal requirements for the authentication procedure [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5673-legal-requirements-for-the-authentication-procedure-when) · not legislation | Explains | 9 Apr 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6044 — Q&A — Re-engineering by TPP of the ASPSP’s redirect API and PSU [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6044-re-engineering-by-tpp-of-the-aspsp-s-redirect-api-and-psu) · not legislation | Explains | 13 Apr 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6141 — Q&A — Association of personalised security credentials [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6141-association-of-personalised-security-credentials-to-the) · not legislation | Explains | 17 Dec 2021 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6145 — Q&A — SCA applicability / Application of SCA at tokenisation [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6145-sca-applicability-application-of-sca-at-tokenisation-stage) · not legislation | Explains | 31 Jan 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6235 — Q&A — Application of the exemption under Article 10 RTS [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6235-application-of-the-exemption-under-article-10-rts-and-ebics) · not legislation | Explains | 13 Apr 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6236 — Q&A — Payment Initiation Service - Batch payment / bulk payment [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6236-payment-initiation-service-batch-payment-bulk-payment) · not legislation | Explains | 13 Apr 2022 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6256 — Q&A — Payee-initiated transactions with irregular period [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6256-payee-initiated-transactions-with-irregular-period-or) · not legislation | Explains | 28 Jun 2024 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6280 — Q&A — Application of SCA for confirmation of funds requests [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6280-application-of-sca-for-confirmation-of-funds-requests-made) · not legislation | Explains | 27 Jan 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6315 — Q&A — Transactions initiated via electronic mail (email) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6315-transactions-initiated-via-electronic-mail-email) · not legislation | Explains | 6 Jan 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2021_6321 — Q&A — Authentication procedures that ASPSPs’ interfaces [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6321-authentication-procedures-that-aspsps-interfaces-are) · not legislation | Explains | 27 Jan 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2022_6464 — Q&A — SCA for token replacement [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6464-sca-for-token-replacement) · not legislation | Explains | 31 Jan 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2023_6767 — Q&A — App to app redirection with biometrics for PIS [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6767-app-to-app-redirection-with-biometrics-for-pis) · not legislation | Explains | 29 Sep 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2023_6827 — Q&A — Trusted Beneficiaries [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6827-trusted-beneficiaries) · not legislation | Explains | 29 Sep 2023 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2023_6949 — Q&A — Secure corporate payment processes and protocols [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6949-secure-corporate-payment-processes-and-protocols-and) · not legislation | Explains | 27 Sep 2024 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2024_6989 — Q&A — Criteria for selecting the operations to be included [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2024-6989-criteria-for-selecting-the-operations-to-be-included-in-the) · not legislation | Explains | 27 Sep 2024 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2025_7376 — Q&A — the use of strong and widely recognized encryption [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7376-the-use-of-strong-and-widely-recognized-encryption) · not legislation | Explains | 3 Oct 2025 | — |
| [Article 97](https://www.headlesslaw.com/psd2/articles/97) | Level 3 | [EBA Q&A 2025_7482 — Q&A — SCA exception for Contactless only terminals (SoftPOS) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7482-sca-exception-for-contactless-only-terminals-softpos-in) · not legislation | Explains | 3 Oct 2025 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 2 | [2018/389 — RTS — Strong customer authentication and secure communication [in force]](https://www.headlesslaw.com/psd2/level-2/rts/2018-389-strong-customer-authentication-and-secure-communication) · binding | Implements | 14 Mar 2018 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4043 — Q&A — Calculation of fraud rates in relation to Exemption [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4043-calculation-of-fraud-rates-in-relation-to-exemption) · not legislation | Explains | 21 Dec 2018 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4044 — Q&A — Transaction Risk Analysis (TRA) exemption – Time period [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4044-transaction-risk-analysis-tra-exemption-time-period-for) · not legislation | Explains | 8 Nov 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4045 — Q&A — Transaction Risk Analysis (TRA) exemption – Frequency [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4045-transaction-risk-analysis-tra-exemption-frequency-of) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4071 — Q&A — Communication plans to inform payment service providers [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4071-communication-plans-to-inform-payment-service-providers) · not legislation | Explains | 8 Feb 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4120 — Q&A — Exemptions from Strong Customer Authentication (SCA) [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4120-exemptions-from-strong-customer-authentication-sca-trusted) · not legislation | Explains | 21 Dec 2018 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4127 — Q&A — Application of Transaction Risk Analysis (TRA) exemption [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4127-application-of-transaction-risk-analysis-tra-exemption-real) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4128 — Q&A — Trusted Beneficiary exemption – Management [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4128-trusted-beneficiary-exemption-management-of-the-exemption) · not legislation | Explains | 25 Jan 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4138 — Q&A — Testing eIDAS certificates before 14 September 2019 [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4138-testing-eidas-certificates-before-14-september-2019) · not legislation | Explains | 7 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4140 — Q&A — ASPSP is denied the waiver to the fall-back by an NCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4140-aspsp-is-denied-the-waiver-to-the-fall-back-by-an-nca) · not legislation | Explains | 22 Mar 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4163 — Q&A — Fall back exemption [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4163-fall-back-exemption) · not legislation | Explains | 12 Apr 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4210 — Q&A — Access by AISPs when customer not present up to 4 times [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4210-access-by-aisps-when-customer-not-present-up-to-4-times-in) · not legislation | Explains | 21 Dec 2018 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4227 — Q&A — Contactless counting [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4227-contactless-counting) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4230 — Q&A — Contactless transactions - SCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4230-contactless-transactions-sca) · not legislation | Explains | 9 Aug 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4235 — Q&A — Ability of static card data to be considered a possession [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4235-ability-of-static-card-data-to-be-considered-a-possession) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4237 — Q&A — Signature on a paper slip from a payment terminal [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4237-signature-on-a-paper-slip-from-a-payment-terminal-as-a) · not legislation | Explains | 15 May 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4238 — Q&A — Signature performed on the screen of a digital device [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4238-signature-performed-on-the-screen-of-a-digital-device-as-a) · not legislation | Explains | 21 Dec 2018 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4239 — Q&A — Applicability of exemption from strong customer [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4239-applicability-of-exemption-from-strong-customer) · not legislation | Explains | 14 Dec 2018 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4241 — Q&A — Applicability of exemption under RTS Article 11 [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4241-applicability-of-exemption-under-rts-article-11-for-payee-s) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4242 — Q&A — Applicability of exemption under RTS Article 16 [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4242-applicability-of-exemption-under-rts-article-16-for-payee-s) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4338 — Q&A — Trusted Beneficiaries [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4338-trusted-beneficiaries) · not legislation | Explains | 9 Apr 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4339 — Q&A — 90 Day Access via Direct Access [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4339-90-day-access-via-direct-access) · not legislation | Explains | 11 Feb 2022 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4342 — Q&A — Chip and Signature cards and their inclusion in the remit [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4342-chip-and-signature-cards-and-their-inclusion-in-the-remit) · not legislation | Explains | 9 Apr 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4366 — Q&A — Showing a password after it has been masked [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4366-showing-a-password-after-it-has-been-masked) · not legislation | Explains | 8 Feb 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4375 — Q&A — Certfication in relation to a Technical Service Provider [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4375-certfication-in-relation-to-a-technical-service-provider-tsp) · not legislation | Explains | 24 May 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4383 — Q&A — Exemption of secure corporate payment processes [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4383-exemption-of-secure-corporate-payment-processes-and) · not legislation | Explains | 26 Feb 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4400 — Q&A — Secure corporate payment processes and protocols [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4400-secure-corporate-payment-processes-and-protocols) · not legislation | Explains | 14 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4413 — Q&A — Qualified certificate under eIDAS for ASPSP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4413-qualified-certificate-under-eidas-for-aspsp) · not legislation | Explains | 14 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2018_4439 — Q&A — Fraud rate calculation for TRA exemption – country [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2018-4439-fraud-rate-calculation-for-tra-exemption-country-dimension) · not legislation | Explains | 12 Apr 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4586 — Q&A — Requirement on the use of a Qualified Certificate [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4586-requirement-on-the-use-of-a-qualified-certificate-for) · not legislation | Explains | 14 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4609 — Q&A — Identification and access for testing purposes [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4609-identification-and-access-for-testing-purposes-of-entities) · not legislation | Explains | 29 Mar 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4630 — Q&A — Applicability of Article 34 (eIDAS certificates) prior [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4630-applicability-of-article-34-eidas-certificates-prior-to) · not legislation | Explains | 26 Apr 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4631 — Q&A — TPP access only with PSU involvement [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4631-tpp-access-only-with-psu-involvement) · not legislation | Explains | 5 Mar 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4651 — Q&A — Relying on vendor mechanisms processing the biometric [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4651-relying-on-vendor-mechanisms-processing-the-biometric-data) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4661 — Q&A — Inclusion of time taken for SCA in the performance KPI [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4661-inclusion-of-time-taken-for-sca-in-the-performance-kpi) · not legislation | Explains | 9 Aug 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4662 — Q&A — Define what is “given period of time” [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4662-define-what-is-given-period-of-time) · not legislation | Explains | 19 Jun 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4681 — Q&A — What is considered as a dedicated interface [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4681-what-is-considered-as-a-dedicated-interface) · not legislation | Explains | 9 Aug 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4693 — Q&A — Scope of the corporate SCA exemption. [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4693-scope-of-the-corporate-sca-exemption) · not legislation | Explains | 14 Jun 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4702 — Q&A — Transaction risk analysis (TRA) exemption – Calculation [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4702-transaction-risk-analysis-tra-exemption-calculation-of) · not legislation | Explains | 24 Jul 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4752 — Q&A — Authorisation for the provision of PIS and AIS on behalf [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4752-authorisation-for-the-provision-of-pis-and-ais-on-behalf-of) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4783 — Q&A — Delayed or deferred PIN for wearable devices [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4783-delayed-or-deferred-pin-for-wearable-devices) · not legislation | Explains | 25 Sep 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4785 — Q&A — Unsuccessful authentications and declined transactions [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4785-unsuccessful-authentications-and-declined-transactions) · not legislation | Explains | 6 Dec 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4823 — Q&A — 3 month notification period on interface changes [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4823-3-month-notification-period-on-interface-changes-to-aspsps) · not legislation | Explains | 11 Oct 2019 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2019_4826 — Q&A — Scope of contingency mechanism [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2019-4826-scope-of-contingency-mechanism) · not legislation | Explains | 19 Jun 2020 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2020_5224 — Q&A — Transport and parking exemption for parking and electric [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5224-transport-and-parking-exemption-for-parking-and-electric) · not legislation | Explains | 15 Jan 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2020_5650 — Q&A — Requirements towards SCA if association is done based [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2020-5650-requirements-towards-sca-if-association-is-done-based-on) · not legislation | Explains | 24 Sep 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2021_5845 — Q&A — Ability of Payee’s PSP to apply exemptions from SCA [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-5845-ability-of-payee-s-psp-to-apply-exemptions-from-sca-in) · not legislation | Explains | 27 Jan 2023 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2021_6029 — Q&A — Scope of “additional registrations” as obstacles [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2021-6029-scope-of-additional-registrations-as-obstacles-in-the-sense) · not legislation | Explains | 17 Dec 2021 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2022_6392 — Q&A — API functionality [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2022-6392-api-functionality) · not legislation | Explains | 14 Oct 2022 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2023_6752 — Q&A — Eligibility of communication by AISPs with ASPSP [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6752-eligibility-of-communication-by-aisps-with-aspsp-throughout) · not legislation | Explains | 22 Mar 2024 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2023_6753 — Q&A — Eligibility of communication by AISPs with ASPSP [Rejected question]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6753-eligibility-of-communication-by-aisps-with-aspsp-throughout) · not legislation | Explains | 10 Jul 2023 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2023_6820 — Q&A — Exemption from strong customer authentication [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6820-exemption-from-strong-customer-authentication) · not legislation | Explains | 29 Sep 2023 | — |
| [Article 98](https://www.headlesslaw.com/psd2/articles/98) | Level 3 | [EBA Q&A 2023_6863 — Q&A — Mobile Banking Services and SCA in the same app [Final Q&A]](https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2023-6863-mobile-banking-services-and-sca-in-the-same-app) · not legislation | Explains | 14 Jun 2024 | — |