Dynamic Linking for batch payments

Article 5(3)(b) of the Commission Delegated Regulation (EU) 2018/389 states that “in relation to payment transactions for which the payer has given consent to execute a batch of remote electronic payment transactions to one or several payees, the authentication code shall be specific to the total amount of the batch of payment transactions and to the specified payees”. In this regard, the payment service provider should dynamically link the authentication code for a batch of remote electronic payment transactions to every single payee included in that batch. In the cases where an IBAN is used for the identification of the payee, the IBAN of each payee need to be linked dynamically to the authentication code. In addition, in line with the requirements of Article 5(1)(d) of the Delegated Regulation, it has to be assured that any modification, addition or deletion of any IBAN (or similar type of unique identifier) results in an invalidation of the authentication code. Q&A 2019_4556 provides further details on the identification of the payee and the generation of the authentication code.