Map of the law — PSD2
255 links on 17 Jan 2025 · Level 1, 2 and 3 · release 2d86bd12
Showing 255 of 255Release 10 Nov 2026Details
- Coverage
- 255 links to PSD2 held for 17 January 2025. Not covered: national guidance, court decisions.
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- Release 2d86bd12 published 10 Nov 2026, 17:06 CET.
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- All 255 links.
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Filters · Level 2 + Level 3 · Implements + Explains · 17 Jan 2025
Links as of 17 Jan 2025 see the map as it stood on any date
All links as a table (255)
| Article | Level | Document | Link type | From | Until |
|---|---|---|---|---|---|
| Whole act | Level 3 | EBA-Op-2019-03 Opinion — Passport notifications regarding agents and distributors [published] not legislation | Explains · whole act | 24 Apr 2019 | — |
| Article 1 | Level 3 | EBA Q&A 2021_6283 Q&A — Provision of the acquiring of payment transactions [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 1 | Level 3 | EBA Q&A 2023_6750 Q&A — requirements for professional experience [Rejected question] not legislation | Explains | 10 Jul 2023 | — |
| Article 2 | Level 3 | EBA Q&A 2018_4233 Q&A — Is the scope of the RTS on strong customer authentication [Final Q&A] not legislation | Explains | 6 Sep 2019 | — |
| Article 2 | Level 3 | EBA Q&A 2018_4272 Q&A — Payment accounts and reference accounts [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 3 | Level 3 | EBA Q&A 2018_4181 Q&A — The Implementation of the electronic communications [Final Q&A] not legislation | Explains | 6 Sep 2019 | — |
| Article 3 | Level 3 | EBA Q&A 2019_4604 Q&A — Scope - Limited network exclusion [Final Q&A] not legislation | Explains | 21 Jan 2022 | — |
| Article 3 | Level 3 | EBA Q&A 2019_4982 Q&A — Services offered by means of ATM by providers [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 3 | Level 3 | EBA Q&A 2019_5019 Q&A — Online foreign exchange [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 3 | Level 3 | EBA Q&A 2020_5354 Q&A — The implementation of commercial agent exclusion [Final Q&A] not legislation | Explains | 3 Dec 2021 | — |
| Article 3 | Level 3 | EBA Q&A 2020_5355 Q&A — The implementation of commercial agent exclusion for B2C [Final Q&A] not legislation | Explains | 6 Dec 2021 | — |
| Article 3 | Level 3 | EBA Q&A 2022_6360 Q&A — Exclusion of cash withdrawal services from PSD2 [Final Q&A] not legislation | Explains | 11 Oct 2024 | — |
| Article 4 | Level 3 | EBA Q&A 2018_4081 Q&A — On the access to names and surnames through the API [Final Q&A] not legislation | Explains | 25 Jan 2019 | — |
| Article 4 | Level 3 | EBA Q&A 2018_4188 Q&A — Information to be provided / made available by ASPSP [Final Q&A] not legislation | Explains | 10 May 2019 | — |
| Article 4 | Level 3 | EBA Q&A 2018_4359 Q&A — Does SCA apply to electronically processed SEPA Direct [Final Q&A] not legislation | Explains | 22 Feb 2019 | — |
| Article 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] not legislation | Explains | 5 Mar 2021 | — |
| Article 4 | Level 3 | EBA Q&A 2019_4919 Q&A — Interpretation of payment instrument [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 4 | Level 3 | EBA Q&A 2020_5099 Q&A — Collection of fees for utilities or other regular [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 4 | Level 3 | EBA Q&A 2020_5215 Q&A — Elements of possession (SIM card) and knowledge [Final Q&A] not legislation | Explains | 5 Nov 2021 | — |
| Article 4 | Level 3 | EBA Q&A 2020_5216 Q&A — Money Remittance [Final Q&A] not legislation | Explains | 18 Mar 2022 | — |
| Article 4 | Level 3 | EBA Q&A 2021_5755 Q&A — On the access to safeguarding accounts through [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 4 | Level 3 | EBA Q&A 2021_5821 Q&A — Strong customer authentication (SCA) Knowledge element [Final Q&A] not legislation | Explains | 30 Jul 2021 | — |
| Article 4 | Level 3 | EBA Q&A 2022_6481 Q&A — Reading of the term means of payment [Final Q&A] not legislation | Explains | 29 Sep 2023 | — |
| Article 4 | Level 3 | EBA Q&A 2022_6489 Q&A — The definition of payment services and in particular [Final Q&A] not legislation | Explains | 11 Oct 2024 | — |
| Article 4 | Level 3 | EBA Q&A 2023_6951 Q&A — Requirement for loan agents to register [Rejected question] not legislation | Explains | 13 Feb 2024 | — |
| Article 5 | Level 3 | EBA Q&A 2019_4542 Q&A — Insurance policy on minimum monetary amount [Final Q&A] not legislation | Explains | 31 Jul 2020 | — |
| Article 5 | Level 3 | EBA Q&A 2019_4753 Q&A — Requirement for credit institutions [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 5 | Level 3 | EBA Q&A 2020_5335 Q&A — How to use bank guarantees instead of PII [Final Q&A] not legislation | Explains | 9 Apr 2021 | — |
| Article 5 | Level 3 | EBA Q&A 2023_6675 Q&A — Consideration of own funds requirements as a comparable [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 5 | Level 3 | EBA/GL/2017/09 Guideline — Authorisation and registration under PSD2 [final] not legislation | Explains | 11 Jul 2017 | — |
| Article 6 | Level 3 | EBA Q&A 2021_6298 Q&A — Clarification on the protection requirements [Final Q&A] not legislation | Explains | 14 Oct 2022 | — |
| Article 7 | Level 3 | EBA Q&A 2022_6570 Q&A — Initial Capital [Rejected question] not legislation | Explains | 10 Jul 2023 | — |
| Article 8 | Level 3 | EBA Q&A 2023_6790 Q&A — Multi-licensed entity capital requirement [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 9 | Level 3 | EBA Q&A 2018_4298 Q&A — Calculation of own funds required for payment institution [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 9 | Level 3 | EBA Q&A 2018_4299 Q&A — Calculation of own funds required for payment institution [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 9 | Level 3 | EBA Q&A 2019_4691 Q&A — Interpretation of the words ‘preceding year’ [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 9 | Level 3 | EBA Q&A 2021_6241 Q&A — Calculation of “payment volume” for method B [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 9 | Level 3 | EBA Q&A 2022_6385 Q&A — Interpretation of the words ‘preceding year’ [Rejected question] not legislation | Explains | 20 May 2022 | — |
| Article 10 | Level 3 | EBA Q&A 2019_4921 Q&A — Safeguarding requirements [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 10 | Level 3 | EBA Q&A 2020_5264 Q&A — Safeguarding [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 10 | Level 3 | EBA Q&A 2020_5502 Q&A — Clarification of meanings 'transferring of funds' [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 10 | Level 3 | EBA Q&A 2023_6882 Q&A — Safeguarding with a credit institition in a third country [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 11 | Level 3 | EBA Q&A 2019_4874 Q&A — Roles that can be assigned to electronic money [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 13 | Level 3 | EBA Q&A 2018_4360 Q&A — Application of the exemption related to a trusted [Final Q&A] not legislation | Explains | 8 Mar 2019 | — |
| Article 13 | Level 3 | EBA Q&A 2022_6437 Q&A — Annex VI - Agentes/distributors [Final Q&A] not legislation | Explains | 14 Oct 2022 | — |
| Article 14 | Level 3 | EBA Q&A 2019_4507 Q&A — Content of eIDAS certificates if agents or outsource [Final Q&A] not legislation | Explains | 26 Apr 2019 | — |
| Article 15 | Level 2 | 2019/410 ITS — Details and structure of the information to be notified [in force] binding | Implements | 4 Apr 2019 | — |
| Article 15 | Level 2 | 2019/411 RTS — Electronic central register [in force] binding | Implements | 4 Apr 2019 | — |
| Article 15 | Level 3 | EBA Q&A 2019_4564 Q&A — Exemptions from Strong Customer Authentication (SCA) [Final Q&A] not legislation | Explains | 19 Jun 2020 | — |
| Article 15 | Level 3 | EBA Q&A 2021_6078 Q&A — Information on the host member State in which Third Party [Final Q&A] not legislation | Explains | 14 Oct 2022 | — |
| Article 18 | Level 3 | EBA Q&A 2018_4221 Q&A — Ability of a payment account operated by a payment [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 18 | Level 3 | EBA Q&A 2022_6611 Q&A — Payment account [Final Q&A] not legislation | Explains | 11 Oct 2024 | — |
| Article 24 | Level 3 | EBA Q&A 2020_5626 Q&A — Association with the payment service user by means [Final Q&A] not legislation | Explains | 24 Sep 2021 | — |
| Article 28 | Level 2 | 2017/2055 RTS — Cooperation and exchange of information [in force] binding | Implements | 1 Dec 2017 | — |
| Article 28 | Level 3 | EBA Q&A 2018_4170 Q&A — Home / host cooperation [Final Q&A] not legislation | Explains | 17 Dec 2021 | — |
| Article 28 | Level 3 | EBA Q&A 2018_4432 Q&A — Passporting and eIDAS certificates [Final Q&A] not legislation | Explains | 26 Apr 2019 | — |
| Article 29 | Level 2 | 2020/1423 RTS — Central contact points [in force] binding | Implements | 29 Oct 2020 | — |
| Article 29 | Level 2 | 2021/1722 RTS — Cooperation and the exchange of information [in force] binding | Implements | 18 Oct 2021 | — |
| Article 32 | Level 3 | EBA Q&A 2021_6246 Q&A — Change of TPP access rights for AIS consent by the PSU [Final Q&A] not legislation | Explains | 14 Oct 2022 | — |
| Article 33 | Level 3 | EBA Q&A 2019_4638 Q&A — Wide usage portability between Member States [Final Q&A] not legislation | Explains | 26 Apr 2019 | — |
| Article 33 | Level 3 | EBA Q&A 2019_4712 Q&A — AISPs and scope of application AML requirements [Final Q&A] not legislation | Explains | 11 Mar 2022 | — |
| Article 33 | Level 3 | EBA Q&A 2022_6613 Q&A — Publication of quarterly statistics, according [Rejected question] not legislation | Explains | 29 Mar 2023 | — |
| Article 45 | Level 3 | EBA Q&A 2023_6777 Q&A — Exchange rate mark-ups part of 'all charges [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 46 | Level 3 | EBA Q&A 2019_4601 Q&A — ASPSP providing updated payment status to PISP [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 58 | Level 3 | EBA Q&A 2022_6612 Q&A — Information provided to the payee on individual payment [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 64 | Level 3 | EBA Q&A 2018_4096 Q&A — API functionality [Final Q&A] not legislation | Explains | 21 Jan 2022 | — |
| Article 64 | Level 3 | EBA Q&A 2018_4123 Q&A — Explicit consent required by the ASPSP from the PSU [Final Q&A] not legislation | Explains | 11 Jan 2019 | — |
| Article 65 | Level 3 | EBA Q&A 2021_6077 Q&A — Confirmation of Funds (CoF) request by a PISP in case [Final Q&A] not legislation | Explains | 17 Dec 2021 | — |
| Article 66 | Level 3 | EBA Q&A 2018_4117 Q&A — Sanctions list screening in the context of TPPs' services [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 66 | Level 3 | EBA Q&A 2019_4496 Q&A — Revocation of future dated Payment Initiation Services [Final Q&A] not legislation | Explains | 3 Dec 2021 | — |
| Article 66 | Level 3 | EBA Q&A 2019_4854 Q&A — Account Data required by a ASPSP to execute a payment [Final Q&A] not legislation | Explains | 5 Mar 2021 | — |
| Article 66 | Level 3 | EBA Q&A 2020_5498 Q&A — Payers right to make use of payment initiation service [Final Q&A] not legislation | Explains | 17 Dec 2021 | — |
| Article 66 | Level 3 | EBA Q&A 2021_6318 Q&A — Future-dated payments and recurring transactions [Final Q&A] not legislation | Explains | 14 Oct 2022 | — |
| Article 66 | Level 3 | EBA Q&A 2021_6320 Q&A — PISP’s access to payable charges applied by the ASPSP [Final Q&A] not legislation | Explains | 28 Jun 2024 | — |
| Article 66 | Level 3 | EBA Q&A 2024_7003 Q&A — Third party access to account attributes [Rejected question] not legislation | Explains | 30 Jul 2024 | — |
| Article 67 | Level 3 | EBA Q&A 2018_4172 Q&A — Interpretation of 'Active request for account [Final Q&A] not legislation | Explains | 14 Dec 2018 | — |
| Article 67 | Level 3 | EBA Q&A 2023_6946 Q&A — Card data (PAN) to be returned in AISP calls [Final Q&A] not legislation | Explains | 11 Oct 2024 | — |
| Article 68 | Level 3 | EBA Q&A 2021_6245 Q&A — ASPSP restricting access for TPPs who embeds the redirect [Final Q&A] not legislation | Explains | 13 Apr 2022 | — |
| Article 70 | Level 3 | EBA Q&A 2020_5622 Q&A — Application of SCA to issuing a payment instrument [Final Q&A] not legislation | Explains | 31 Jan 2023 | — |
| Article 72 | Level 3 | EBA Q&A 2022_6526 Q&A — Evidences / Records to be stored by account servicing [Final Q&A] not legislation | Explains | 29 Sep 2023 | — |
| Article 73 | Level 3 | EBA Q&A 2019_4573 Q&A — Immediate Refund by the Payment Service Provider [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 74 | Level 3 | EBA Q&A 2018_4042 Q&A — Liability for fraud when SCA exemption used [Final Q&A] not legislation | Explains | 19 Jul 2019 | — |
| Article 74 | Level 3 | EBA Q&A 2018_4440 Q&A — Revocation / Invalidation of SCA proof before execution [Final Q&A] not legislation | Explains | 17 Dec 2021 | — |
| Article 74 | Level 3 | EBA Q&A 2021_6305 Q&A — Articulation and interaction of the second and the third [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 80 | Level 3 | EBA Q&A 2018_4095 Q&A — Irrevocability of a payment order initiated by a PISP [Final Q&A] not legislation | Explains | 21 Jan 2022 | — |
| Article 80 | Level 3 | EBA Q&A 2023_6873 Q&A — PISP payment order cancellation due to fraud prevention [Final Q&A] not legislation | Explains | 17 Jan 2025 | — |
| Article 87 | Level 3 | EBA Q&A 2018_4150 Q&A — Credit value date for payment transactions with currency [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 94 | Level 3 | EBA Q&A 2020_5570 Q&A — Consumer explicit consent to the PISP for processing [Final Q&A] not legislation | Explains | 3 Dec 2021 | — |
| Article 95 | Level 3 | EBA Q&A 2018_4176 Q&A — Operation and security risk assessment of a branch [Final Q&A] not legislation | Explains | 14 Dec 2018 | — |
| Article 95 | Level 3 | EBA Q&A 2018_4231 Q&A — Responsibility for comprehensive assessment according [Final Q&A] not legislation | Explains | 19 Jul 2019 | — |
| Article 95 | Level 3 | EBA Q&A 2021_6156 Q&A — Arbitrating between security and obstacles [Final Q&A] not legislation | Explains | 27 Jan 2023 | — |
| Article 96 | Level 3 | EBA Q&A 2018_4144 Q&A — Major incidents reporting [Final Q&A] not legislation | Explains | 14 Dec 2018 | — |
| Article 96 | Level 3 | EBA Q&A 2018_4399 Q&A — Electronic chip transactions authenticated with a hand [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_4703 Q&A — Report of fraud rates by issuers and acquirers [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_4866 Q&A — Reporting of card transactions that are out-of-scope [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5008 Q&A — Losses due to fraud per liability bearer / Perdite dovute [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5039 Q&A — Reporting of fraud by the acquirers [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5041 Q&A — Reporting of PISP initiated payments [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5042 Q&A — Reporting of PISP transactions [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5043 Q&A — Direct debts fraud reporting [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5044 Q&A — Recording of e-money [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5046 Q&A — Recording of card payments [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2019_5056 Q&A — Data breakdown on fraud by different card functions [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2020_5070 Q&A — Reporting of e-commerce card-based payment transactions [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 96 | Level 3 | EBA Q&A 2023_6744 Q&A — Service Downtime [Final Q&A] not legislation | Explains | 29 Sep 2023 | — |
| Article 96 | Level 3 | EBA Q&A 2023_6788 Q&A — Fraud reporting [Final Q&A] not legislation | Explains | 14 Jun 2024 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4030 Q&A — Geographical scope of application of the RTS on strong [Final Q&A] not legislation | Explains | 6 Sep 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4031 Q&A — Applicability of SCA to ‘card payments initiated [Final Q&A] not legislation | Explains | 1 Mar 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4032 Q&A — Criteria for the application of the transaction risk [Final Q&A] not legislation | Explains | 7 Dec 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4033 Q&A — Criteria for the application of the transaction risk [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4034 Q&A — Criteria for the application of the transaction risk [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4035 Q&A — Criteria for the application of the transaction risk [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4036 Q&A — Application of the low-value contactless exemption [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4038 Q&A — Applicability of the low-value contactless exemption [Final Q&A] not legislation | Explains | 11 Jan 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4039 Q&A — Qualification of SMS OTP as an authentication factor [Final Q&A] not legislation | Explains | 5 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4040 Q&A — Currency conversion of the EUR thresholds contained [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4041 Q&A — Display of incorrect authentication factors in case [Final Q&A] not legislation | Explains | 5 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4047 Q&A — Review of security measures [Final Q&A] not legislation | Explains | 9 Aug 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4048 Q&A — Applicability of Strong Customer Authentication (SCA) [Final Q&A] not legislation | Explains | 14 Dec 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4049 Q&A — Persistent authentication for wearable devices [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4052 Q&A — EMV cards and EMV terminals supporting online [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4053 Q&A — Length of authentication codes [Final Q&A] not legislation | Explains | 8 Feb 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4054 Q&A — Confidentiality of the application cryptogram for EMV [Final Q&A] not legislation | Explains | 20 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4055 Q&A — Confidentiality of offline PIN [Final Q&A] not legislation | Explains | 19 Jul 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4056 Q&A — Application of the exemption for transactions to trusted [Final Q&A] not legislation | Explains | 21 Sep 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4057 Q&A — SCA at vending machines without PIN pad [Final Q&A] not legislation | Explains | 9 Aug 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4058 Q&A — Transactions initiated via Interactive Voice Response [Final Q&A] not legislation | Explains | 1 Mar 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4060 Q&A — Exemption for secure corporate payment processes [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4065 Q&A — Accessing payment account online in web browser shall [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4068 Q&A — Exemption from strong customer authentication (SCA) [Final Q&A] not legislation | Explains | 21 Dec 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4076 Q&A — On the access to trusted beneficiaries lists (RTS Art 13) [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4077 Q&A — On the use and storage of Personalised Security [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4083 Q&A — On the application of SCA when cancelling a payment [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4108 Q&A — Scope of ‘initiation of an electronic payment [Final Q&A] not legislation | Explains | 20 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4110 Q&A — Data authentication standards [Final Q&A] not legislation | Explains | 20 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4131 Q&A — Payee-initiated transactions with irregular period [Final Q&A] not legislation | Explains | 1 Mar 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4133 Q&A — Applicability of SCA to wallet solutions [Final Q&A] not legislation | Explains | 21 May 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4135 Q&A — SMS OTP and credit card as a two authentication factor [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4141 Q&A — Authentication code [Final Q&A] not legislation | Explains | 24 May 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4152 Q&A — Review of the security measures: Audit report [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4153 Q&A — Review of Security Measures - Auditors expertise [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4155 Q&A — Responsibility of national authority [Final Q&A] not legislation | Explains | 26 Oct 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4177 Q&A — Application of SCA when a PSU accesses payment [Final Q&A] not legislation | Explains | 9 Nov 2018 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4225 Q&A — Contactless payments at point of sale - Applications [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4226 Q&A — Contactless payments at point of sale - Applications [Final Q&A] not legislation | Explains | 8 Feb 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4315 Q&A — Strong Authentication [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4404 Q&A — Subsequent instances of a recurring card payment [Final Q&A] not legislation | Explains | 1 Mar 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4414 Q&A — Usage of SMS for dynamic linking [Final Q&A] not legislation | Explains | 26 Feb 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4415 Q&A — Dynamic linking for batch transactions [Final Q&A] not legislation | Explains | 20 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4429 Q&A — Application of the Low Value Transaction Limits [Final Q&A] not legislation | Explains | 26 Apr 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2018_4435 Q&A — Dynamic Linking for batch payments [Final Q&A] not legislation | Explains | 20 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4450 Q&A — Potential inconsistency on the application [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4484 Q&A — Strong customer authentication requirement [Final Q&A] not legislation | Explains | 21 Jan 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4556 Q&A — Definition of payee for dynamic linking [Final Q&A] not legislation | Explains | 20 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4560 Q&A — SCA profiles and multiple-use of devices [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4594 Q&A — Definition of an electronic remote payment transaction [Final Q&A] not legislation | Explains | 21 Jan 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4637 Q&A — Separation of factors for strong customer authentication [Final Q&A] not legislation | Explains | 19 Jun 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4664 Q&A — Applicability of SCA to electronically processed SEPA [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4740 Q&A — Compliance with SCA in offline mode on an aircraft [Final Q&A] not legislation | Explains | 6 Dec 2019 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4788 Q&A — Treatment of electronic bookings similar to Mail Order [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4790 Q&A — Keyed Mail Order or Telephone Order (MO-TO) transactions [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4791 Q&A — Processing payments for hotel reservations [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4792 Q&A — Merchant Initiated Transactions exemption for hotel [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4794 Q&A — Consumer mandate under Merchant Initiated Transactions [Final Q&A] not legislation | Explains | 12 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4795 Q&A — Validity of SCA [Final Q&A] not legislation | Explains | 24 Sep 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4796 Q&A — Intermediaries and Merchant-ID [Final Q&A] not legislation | Explains | 24 Sep 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4797 Q&A — Merchant IDs and SCA [Final Q&A] not legislation | Explains | 5 Nov 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4800 Q&A — Whitelisting [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4827 Q&A — Tokenised card details as a SCA possession element. [Final Q&A] not legislation | Explains | 7 Aug 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4855 Q&A — Application of the strong customer authentication (SCA) [Final Q&A] not legislation | Explains | 23 Apr 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4875 Q&A — Failed Authentication Code [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4910 Q&A — Authentication code [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_4937 Q&A — SCA for contactless payments at a POS executed [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2019_5054 Q&A — Contingency Measures under Article 33 [Final Q&A] not legislation | Explains | 23 Apr 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5115 Q&A — Using Trusted Beneficiary Lists to Auto Reject PISP [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5124 Q&A — SCA for staff assisted electronic channel [Final Q&A] not legislation | Explains | 21 Jan 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5133 Q&A — Dynamic linking: transactions for which the final amount [Final Q&A] not legislation | Explains | 29 May 2020 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5135 Q&A — Payment Initiation Scope and Trusted Beneficiaries [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5184 Q&A — Obstacles to the payment initiation service [Final Q&A] not legislation | Explains | 5 Mar 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5247 Q&A — Clarification of remote payment for dynamic linking [Final Q&A] not legislation | Explains | 13 Apr 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5288 Q&A — Mount unattended contactless device on general goods [Final Q&A] not legislation | Explains | 11 Mar 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5353 Q&A — On the requirements for 'inherence' in strong customer [Final Q&A] not legislation | Explains | 23 Apr 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5366 Q&A — Clarification on where the creation of the authentication [Final Q&A] not legislation | Explains | 30 Jul 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5516 Q&A — Perform SCA by reusing an element used [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5534 Q&A — Bill-payment via postal service [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5620 Q&A — Use of behavioural data for SCA [Final Q&A] not legislation | Explains | 23 Apr 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5621 Q&A — Use of new technology for SCA [Final Q&A] not legislation | Explains | 23 Apr 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2020_5673 Q&A — Legal requirements for the authentication procedure [Final Q&A] not legislation | Explains | 9 Apr 2021 | — |
| Article 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] not legislation | Explains | 13 Apr 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6141 Q&A — Association of personalised security credentials [Final Q&A] not legislation | Explains | 17 Dec 2021 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6145 Q&A — SCA applicability / Application of SCA at tokenisation [Final Q&A] not legislation | Explains | 31 Jan 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6235 Q&A — Application of the exemption under Article 10 RTS [Final Q&A] not legislation | Explains | 13 Apr 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6236 Q&A — Payment Initiation Service - Batch payment / bulk payment [Final Q&A] not legislation | Explains | 13 Apr 2022 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6256 Q&A — Payee-initiated transactions with irregular period [Final Q&A] not legislation | Explains | 28 Jun 2024 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6280 Q&A — Application of SCA for confirmation of funds requests [Final Q&A] not legislation | Explains | 27 Jan 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6315 Q&A — Transactions initiated via electronic mail (email) [Final Q&A] not legislation | Explains | 6 Jan 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2021_6321 Q&A — Authentication procedures that ASPSPs’ interfaces [Final Q&A] not legislation | Explains | 27 Jan 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2022_6464 Q&A — SCA for token replacement [Final Q&A] not legislation | Explains | 31 Jan 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2023_6767 Q&A — App to app redirection with biometrics for PIS [Final Q&A] not legislation | Explains | 29 Sep 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2023_6827 Q&A — Trusted Beneficiaries [Final Q&A] not legislation | Explains | 29 Sep 2023 | — |
| Article 97 | Level 3 | EBA Q&A 2023_6949 Q&A — Secure corporate payment processes and protocols [Final Q&A] not legislation | Explains | 27 Sep 2024 | — |
| Article 97 | Level 3 | EBA Q&A 2024_6989 Q&A — Criteria for selecting the operations to be included [Final Q&A] not legislation | Explains | 27 Sep 2024 | — |
| Article 98 | Level 2 | 2018/389 RTS — Strong customer authentication and secure communication [in force] binding | Implements | 14 Mar 2018 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4043 Q&A — Calculation of fraud rates in relation to Exemption [Final Q&A] not legislation | Explains | 21 Dec 2018 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4044 Q&A — Transaction Risk Analysis (TRA) exemption – Time period [Final Q&A] not legislation | Explains | 8 Nov 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4045 Q&A — Transaction Risk Analysis (TRA) exemption – Frequency [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4071 Q&A — Communication plans to inform payment service providers [Final Q&A] not legislation | Explains | 8 Feb 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4120 Q&A — Exemptions from Strong Customer Authentication (SCA) [Final Q&A] not legislation | Explains | 21 Dec 2018 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4127 Q&A — Application of Transaction Risk Analysis (TRA) exemption [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4128 Q&A — Trusted Beneficiary exemption – Management [Final Q&A] not legislation | Explains | 25 Jan 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4138 Q&A — Testing eIDAS certificates before 14 September 2019 [Final Q&A] not legislation | Explains | 7 Jun 2019 | — |
| Article 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] not legislation | Explains | 22 Mar 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4163 Q&A — Fall back exemption [Final Q&A] not legislation | Explains | 12 Apr 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4210 Q&A — Access by AISPs when customer not present up to 4 times [Final Q&A] not legislation | Explains | 21 Dec 2018 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4227 Q&A — Contactless counting [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4230 Q&A — Contactless transactions - SCA [Final Q&A] not legislation | Explains | 9 Aug 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4235 Q&A — Ability of static card data to be considered a possession [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4237 Q&A — Signature on a paper slip from a payment terminal [Final Q&A] not legislation | Explains | 15 May 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4238 Q&A — Signature performed on the screen of a digital device [Final Q&A] not legislation | Explains | 21 Dec 2018 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4239 Q&A — Applicability of exemption from strong customer [Final Q&A] not legislation | Explains | 14 Dec 2018 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4241 Q&A — Applicability of exemption under RTS Article 11 [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4242 Q&A — Applicability of exemption under RTS Article 16 [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4338 Q&A — Trusted Beneficiaries [Final Q&A] not legislation | Explains | 9 Apr 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4339 Q&A — 90 Day Access via Direct Access [Rejected question] not legislation | Explains | 11 Feb 2022 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4342 Q&A — Chip and Signature cards and their inclusion in the remit [Final Q&A] not legislation | Explains | 9 Apr 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4366 Q&A — Showing a password after it has been masked [Final Q&A] not legislation | Explains | 8 Feb 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4375 Q&A — Certfication in relation to a Technical Service Provider [Final Q&A] not legislation | Explains | 24 May 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4383 Q&A — Exemption of secure corporate payment processes [Final Q&A] not legislation | Explains | 26 Feb 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4400 Q&A — Secure corporate payment processes and protocols [Final Q&A] not legislation | Explains | 14 Jun 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4413 Q&A — Qualified certificate under eIDAS for ASPSP [Final Q&A] not legislation | Explains | 14 Jun 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2018_4439 Q&A — Fraud rate calculation for TRA exemption – country [Final Q&A] not legislation | Explains | 12 Apr 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4586 Q&A — Requirement on the use of a Qualified Certificate [Final Q&A] not legislation | Explains | 14 Jun 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4609 Q&A — Identification and access for testing purposes [Final Q&A] not legislation | Explains | 29 Mar 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4630 Q&A — Applicability of Article 34 (eIDAS certificates) prior [Final Q&A] not legislation | Explains | 26 Apr 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4631 Q&A — TPP access only with PSU involvement [Final Q&A] not legislation | Explains | 5 Mar 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4651 Q&A — Relying on vendor mechanisms processing the biometric [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4661 Q&A — Inclusion of time taken for SCA in the performance KPI [Final Q&A] not legislation | Explains | 9 Aug 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4662 Q&A — Define what is “given period of time” [Final Q&A] not legislation | Explains | 19 Jun 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4681 Q&A — What is considered as a dedicated interface [Final Q&A] not legislation | Explains | 9 Aug 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4693 Q&A — Scope of the corporate SCA exemption. [Final Q&A] not legislation | Explains | 14 Jun 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4702 Q&A — Transaction risk analysis (TRA) exemption – Calculation [Final Q&A] not legislation | Explains | 24 Jul 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4752 Q&A — Authorisation for the provision of PIS and AIS on behalf [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4783 Q&A — Delayed or deferred PIN for wearable devices [Final Q&A] not legislation | Explains | 25 Sep 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4785 Q&A — Unsuccessful authentications and declined transactions [Final Q&A] not legislation | Explains | 6 Dec 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4823 Q&A — 3 month notification period on interface changes [Final Q&A] not legislation | Explains | 11 Oct 2019 | — |
| Article 98 | Level 3 | EBA Q&A 2019_4826 Q&A — Scope of contingency mechanism [Final Q&A] not legislation | Explains | 19 Jun 2020 | — |
| Article 98 | Level 3 | EBA Q&A 2020_5224 Q&A — Transport and parking exemption for parking and electric [Final Q&A] not legislation | Explains | 15 Jan 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2020_5650 Q&A — Requirements towards SCA if association is done based [Final Q&A] not legislation | Explains | 24 Sep 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2021_5845 Q&A — Ability of Payee’s PSP to apply exemptions from SCA [Final Q&A] not legislation | Explains | 27 Jan 2023 | — |
| Article 98 | Level 3 | EBA Q&A 2021_6029 Q&A — Scope of “additional registrations” as obstacles [Final Q&A] not legislation | Explains | 17 Dec 2021 | — |
| Article 98 | Level 3 | EBA Q&A 2022_6392 Q&A — API functionality [Final Q&A] not legislation | Explains | 14 Oct 2022 | — |
| Article 98 | Level 3 | EBA Q&A 2023_6752 Q&A — Eligibility of communication by AISPs with ASPSP [Final Q&A] not legislation | Explains | 22 Mar 2024 | — |
| Article 98 | Level 3 | EBA Q&A 2023_6753 Q&A — Eligibility of communication by AISPs with ASPSP [Rejected question] not legislation | Explains | 10 Jul 2023 | — |
| Article 98 | Level 3 | EBA Q&A 2023_6820 Q&A — Exemption from strong customer authentication [Final Q&A] not legislation | Explains | 29 Sep 2023 | — |
| Article 98 | Level 3 | EBA Q&A 2023_6863 Q&A — Mobile Banking Services and SCA in the same app [Final Q&A] not legislation | Explains | 14 Jun 2024 | — |