> For the complete documentation index, see [llms.txt](https://www.headlesslaw.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.headlesslaw.com/psd2/titles/ii.md).

# Title II — Payment service providers

Articles 5–37 of Directive (EU) 2015/2366 (PSD2).

### Chapter 1 — Payment institutions

#### Section 1 — General rules

* [Article 5 — Applications for authorisation](/psd2/articles/5.md)
* [Article 6 — Control of the shareholding](/psd2/articles/6.md)
* [Article 7 — Initial capital](/psd2/articles/7.md)
* [Article 8 — Own funds](/psd2/articles/8.md)
* [Article 9 — Calculation of own funds](/psd2/articles/9.md)
* [Article 10 — Safeguarding requirements](/psd2/articles/10.md)
* [Article 11 — Granting of authorisation](/psd2/articles/11.md)
* [Article 12 — Communication of the decision](/psd2/articles/12.md)
* [Article 13 — Withdrawal of authorisation](/psd2/articles/13.md)
* [Article 14 — Registration in the home Member State](/psd2/articles/14.md)
* [Article 15 — EBA register](/psd2/articles/15.md)
* [Article 16 — Maintenance of authorisation](/psd2/articles/16.md)
* [Article 17 — Accounting and statutory audit](/psd2/articles/17.md)
* [Article 18 — Activities](/psd2/articles/18.md)

#### Section 2 — Other requirements

* [Article 19 — Use of agents, branches or entities to which activities are outsourced](/psd2/articles/19.md)
* [Article 20 — Liability](/psd2/articles/20.md)
* [Article 21 — Record-keeping](/psd2/articles/21.md)

#### Section 3 — Competent authorities and supervision

* [Article 22 — Designation of competent authorities](/psd2/articles/22.md)
* [Article 23 — Supervision](/psd2/articles/23.md)
* [Article 24 — Professional secrecy](/psd2/articles/24.md)
* [Article 25 — Right to apply to the courts](/psd2/articles/25.md)
* [Article 26 — Exchange of information](/psd2/articles/26.md)
* [Article 27 — Settlement of disagreements between competent authorities of different Member States](/psd2/articles/27.md)
* [Article 28 — Application to exercise the right of establishment and freedom to provide services](/psd2/articles/28.md)
* [Article 29 — Supervision of payment institutions exercising the right of establishment and freedom to provide services](/psd2/articles/29.md)
* [Article 30 — Measures in case of non-compliance, including precautionary measures](/psd2/articles/30.md)
* [Article 31 — Reasons and communication](/psd2/articles/31.md)

#### Section 4 — Exemption

* [Article 32 — Conditions](/psd2/articles/32.md)
* [Article 33 — Account information service providers](/psd2/articles/33.md)
* [Article 34 — Notification and information](/psd2/articles/34.md)

### Chapter 2 — Common provisions

* [Article 35 — Access to payment systems](/psd2/articles/35.md)
* [Article 35a — Conditions for requesting participation in designated payment systems](/psd2/articles/35a.md)
* [Article 36 — Access to accounts maintained with a credit institution](/psd2/articles/36.md)
* [Article 37 — Prohibition of persons other than payment service providers from providing payment services and duty of notification](/psd2/articles/37.md)