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.
320 Q&As matching current filters · page 3 of 7
Requirements towards SCA if association is done based on phone call
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-09-24
Delegation of 2-Factor Authentication (2FA) to PISP, AISP or other third party
Directive 2015/2366/EU (PSD2) · Art. Article 97
Answered 2021-09-24
Association with the payment service user by means of a remote channel
Directive 2015/2366/EU (PSD2) · Art. 24
Answered 2021-09-24
Clarification on the qualification and 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. Article 66
Answered 2021-09-24
Clarification on level of protection required for the processing of the IBAN outside the inter-PSP environment
Directive 2015/2366/EU (PSD2) · Art. Article 66
Answered 2021-09-24
Intermediaries and Merchant-ID
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-09-24
Validity of SCA
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-09-24
Strong customer authentication (SCA) Knowledge element: Place of Birth and Date of Birth
Directive 2015/2366/EU (PSD2) · Art. 4
Answered 2021-07-30
Clarification on where the creation of the authentication code with dynamic linking for strong customer authentication (SCA) for electronic remote payment needs to be done
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-07-30
Applicability of SCA to wallet solutions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-05-21
Obstacle to the provision of payment initiation and account information services
Directive 2015/2366/EU (PSD2) · Art. Article 98
Answered 2021-04-23
Use of behavioural data for SCA
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-04-23
Independence of the elements for SCA
Directive 2015/2366/EU (PSD2) · Art. Article 97
Answered 2021-04-23
Use of new technology for SCA
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-04-23
On the requirements for 'inherence' in strong customer authentication (SCA)
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-04-23
Contingency Measures under Article 33
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-04-23
Application of the strong customer authentication (SCA) in case of refund
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-04-23
Legal requirements for the authentication procedure when SCA exemptions are applied for remote payment transactions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-04-09
How to use bank guarantees instead of PII
Directive 2015/2366/EU (PSD2) · Art. 5
Answered 2021-04-09
Card payments - acquirer
Directive 2015/2366/EU (PSD2) · Art. 96(6)
Answered 2021-04-09
Trusted Beneficiaries
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-04-09
Chip and Signature cards and their inclusion in the remit of RTS Article 11
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-04-09
Type of accounts accessible through common and secure communication
Directive 2015/2366/EU (PSD2) · Art. 4(15)(16), 66, 67 and number 7 and 8 of the Annex
Answered 2021-03-12
Treatment of electronic bookings similar to Mail Order and Telephone Orders (MO-TO) transactions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
Keyed Mail Order or Telephone Order (MO-TO) transactions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
Processing payments for hotel reservations
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
Merchant Initiated Transactions exemption for hotel transactions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
Consumer mandate under Merchant Initiated Transactions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
Calculation of own funds required for payment institution in Article 9 of Directive EU 2015/36 (PSD2) when the payment institution offers acquiring services
Directive 2015/2366/EU (PSD2) · Art. 9
Answered 2021-03-12
Calculation of own funds required for payment institution in the Article 9 of Directive EU 2015/36 (PSD2) when "input funds" are credit transfers and "output funds" are direct debit
Directive 2015/2366/EU (PSD2) · Art. 9
Answered 2021-03-12
Payment accounts and reference accounts
Directive 2015/2366/EU (PSD2) · Art. 2
Answered 2021-03-12
Ability of a payment account operated by a payment institution to hold a credit balance in readiness for future payment transactions
Directive 2015/2366/EU (PSD2) · Art. 18
Answered 2021-03-12
Credit value date for payment transactions with currency conversion
Directive 2015/2366/EU (PSD2) · Art. 87
Answered 2021-03-12
Sanctions list screening in the context of TPPs' services - risk management policy
Directive 2015/2366/EU (PSD2) · Art. 66
Answered 2021-03-12
On the use and storage of Personalised Security Credentials (PSC)
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
On the application of SCA when cancelling a payment transaction
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-12
Obstacles to the payment initiation service
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-03-05
Account Data required by a ASPSP to execute a payment order via a PISP
Directive 2015/2366/EU (PSD2) · Art. 66
Answered 2021-03-05
Compliance of (1) card data (2) SMS OTP and (3) EMV 3DS behaviour-based inherence as an authentication information with the requirements of PSD2 and RTS on SCA
Directive 2015/2366/EU (PSD2) · Art. 4
Answered 2021-03-05
TPP access only with PSU involvement
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-03-05
Usage of SMS for dynamic linking
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-02-26
Exemption of secure corporate payment processes and protocols
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-02-26
Perform SCA by reusing an element used in an authentication exempted from SCA
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-01-15
Transport and parking exemption for parking and electric vehicle charging
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-01-15
Payment Initiation Scope and Trusted Beneficiaries
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-01-15
Using Trusted Beneficiary Lists to Auto Reject PISP Transactions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-01-15
Strong Authentication
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-01-15
Ability of static card data to be considered a possession factor?
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-01-15
SMS OTP and credit card as a two authentication factor
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-01-15
Losses due to fraud per liability bearer / Perdite dovute a frode per portatore di responsabilità
Directive 2015/2366/EU (PSD2) · Art. 96
Answered 2020-09-25
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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