EU Financial Regulatory Q&A Database

Official Q&As published by EBA, ESMA, EIOPA and the ESA Joint Committee. Non-binding but treated as authoritative guidance by national competent authorities across the EU.

EBA 4,397 ESMA 1,523 EIOPA 2,635 Joint Committee 256

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311 Q&As matching current filters · page 2 of 7

Ability of Payee’s PSP to apply exemptions from SCA in credit transfers

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2023-01-27

Transactions initiated via electronic mail (email)

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2023-01-06

Articulation and interaction of the second and the third sub-paragraph of Article 74 (1) of the PSD2

Directive 2015/2366/EU (PSD2) · Art. 74

EBA Final Q&A

Answered 2023-01-06

Calculation of “payment volume” for method B in the Article 9 of Directive EU 2015/36 (PSD2)

Directive 2015/2366/EU (PSD2) · Art. 9

EBA Final Q&A

Answered 2023-01-06

On the access to safeguarding accounts through the Application Programming Interface (API)

Directive 2015/2366/EU (PSD2) · Art. 4

EBA Final Q&A

Answered 2023-01-06

“Triangular ” passport

Directive 2015/2366/EU (PSD2) · Art. 11(9), 19, 28

EBA Final Q&A

Answered 2023-01-06

Bill-payment via postal service

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2023-01-06

Clarification of meanings 'transferring of funds' and 'another payment service provider’ in the context of article 10(1)(a) of PSD2

Directive 2015/2366/EU (PSD2) · Art. 10

EBA Final Q&A

Answered 2023-01-06

Ability of a creditor to change a mandate

Directive 2015/2366/EU (PSD2) · Art. 54 & 64

EBA Final Q&A

Answered 2023-01-06

Safeguarding

Directive 2015/2366/EU (PSD2) · Art. 10

EBA Final Q&A

Answered 2023-01-06

Collection of fees for utilities or other regular services

Directive 2015/2366/EU (PSD2) · Art. 4

EBA Final Q&A

Answered 2023-01-06

Annex VI - Agentes/distributors

Directive 2015/2366/EU (PSD2) · Art. 13

EBA Final Q&A

Answered 2022-10-14

API functionality

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2022-10-14

Future-dated payments and recurring transactions

Directive 2015/2366/EU (PSD2) · Art. 66

EBA Final Q&A

Answered 2022-10-14

Clarification on the protection requirements of a CustomerID when included in a payer-presented QR-code for the initiation of (instant) credit transfers at the Point of Interaction (POI)

Directive 2015/2366/EU (PSD2) · Art. 6

EBA Final Q&A

Answered 2022-10-14

Change of TPP access rights for AIS consent by the PSU prior to authorisation

Directive 2015/2366/EU (PSD2) · Art. 32

EBA Final Q&A

Answered 2022-10-14

Information on the host member State in which Third Party Providers (TPPs) provide services

Directive 2015/2366/EU (PSD2) · Art. 15

EBA Final Q&A

Answered 2022-10-14

ASPSP restricting access for TPPs who embeds the redirect

Directive 2015/2366/EU (PSD2) · Art. 68

EBA Final Q&A

Answered 2022-04-13

Payment Initiation Service - Batch payment / bulk payment

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-04-13

Application of the exemption under Article 10 RTS and EBICS T

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-04-13

Re-engineering by TPP of the ASPSP’s redirect API and PSU customer journey

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-04-13

SCA requirements with dynamic linking for mobile initiated credit transfers (MSCTs)

Directive 2015/2366/EU (PSD2) · Art. Article 97

EBA Final Q&A

Answered 2022-04-13

Clarification of remote payment for dynamic linking

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-04-13

Access to account for FinTech Solutions that incorporate regulated services

Directive 2015/2366/EU (PSD2) · Art. 4, 66 and 67

EBA Final Q&A

Answered 2022-03-18

Money Remittance

Directive 2015/2366/EU (PSD2) · Art. 4

EBA Final Q&A

Answered 2022-03-18

Acquisition and money remittance payment service

Directive 2015/2366/EU (PSD2) · Art. 4.12, 4.24, 4.44, 10, 87.2 and Recital 37

EBA Final Q&A

Answered 2022-03-18

Individual's name to return in AISP/PISP calls

Directive 2015/2366/EU (PSD2) · Art. 66, 67

EBA Final Q&A

Answered 2022-03-18

Mount unattended contactless device on general goods vending machines

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-03-11

AISPs and scope of application AML requirements

Directive 2015/2366/EU (PSD2) · Art. 33

EBA Final Q&A

Answered 2022-03-11

SCA for staff assisted electronic channel

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-01-21

More than one transaction from a single consumer initiated transaction

Directive 2015/2366/EU (PSD2) · Art. Article 5

EBA Final Q&A

Answered 2022-01-21

Scope - Limited network exclusion

Directive 2015/2366/EU (PSD2) · Art. 3

EBA Final Q&A

Answered 2022-01-21

Definition of an electronic remote payment transaction

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-01-21

Strong customer authentication requirement on pay-by-invoice payment transactions

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2022-01-21

Irrevocability of a payment order initiated by a PISP

Directive 2015/2366/EU (PSD2) · Art. 80

EBA Final Q&A

Answered 2022-01-21

API functionality

Directive 2015/2366/EU (PSD2) · Art. 64

EBA Final Q&A

Answered 2022-01-21

Association of personalised security credentials to the payment service user

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2021-12-17

Confirmation of Funds (CoF) request by a PISP in case of batch processing system

Directive 2015/2366/EU (PSD2) · Art. 65

EBA Final Q&A

Answered 2021-12-17

Scope of “additional registrations” as obstacles in the sense of Article 32(3) Delegated Regulation (EU) 2018/389

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2021-12-17

Payers right to make use of payment initiation service providers for all types of payment transactions

Directive 2015/2366/EU (PSD2) · Art. 66

EBA Final Q&A

Answered 2021-12-17

Alternative strong customer authentication for citizens without mobile

Directive 2015/2366/EU (PSD2) · Art. 97 & 98

EBA Final Q&A

Answered 2021-12-17

Revocation / Invalidation of SCA proof before execution date

Directive 2015/2366/EU (PSD2) · Art. 74

EBA Final Q&A

Answered 2021-12-17

Home / host cooperation

Directive 2015/2366/EU (PSD2) · Art. 28

EBA Final Q&A

Answered 2021-12-17

The implementation of commercial agent exclusion for B2C e-commerce platforms

Directive 2015/2366/EU (PSD2) · Art. 3

EBA Final Q&A

Answered 2021-12-06

Consumer explicit consent to the PISP for processing of personal data

Directive 2015/2366/EU (PSD2) · Art. 94

EBA Final Q&A

Answered 2021-12-03

Information to be provided by the PISP to the payer prior to the initiation of the transaction

Directive 2015/2366/EU (PSD2) · Art. 44, 45

EBA Final Q&A

Answered 2021-12-03

The implementation of commercial agent exclusion for e-commerce platforms

Directive 2015/2366/EU (PSD2) · Art. 3

EBA Final Q&A

Answered 2021-12-03

Revocation of future dated Payment Initiation Services (PIS) payments

Directive 2015/2366/EU (PSD2) · Art. 66

EBA Final Q&A

Answered 2021-12-03

Elements of possession (SIM card) and knowledge (knowledge-based responses to challenges or questions)

Directive 2015/2366/EU (PSD2) · Art. 4

EBA Final Q&A

Answered 2021-11-05

Merchant IDs and SCA

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2021-11-05

Source: EBA Single Rulebook Q&A, ESMA Q&A, EIOPA Q&A, ESA Joint Q&As. Updated weekly. Q&As are non-binding guidance.

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