{"id":40,"date":"2017-03-08T20:25:57","date_gmt":"2017-03-08T19:25:57","guid":{"rendered":"https:\/\/psd2meniet.nl\/?p=40"},"modified":"2021-11-24T15:37:21","modified_gmt":"2021-11-24T14:37:21","slug":"samenvatting-van-psd2","status":"publish","type":"post","link":"https:\/\/psd2meniet.nl\/en\/samenvatting-van-psd2\/","title":{"rendered":"Summary of the PSD2"},"content":{"rendered":"<p>The PSD2 is the new banking law and regulates payment transactions in the European Union. Privacy First focuses on privacy risks arising from account information services and the processing of personal data. This is a small part of the possibilities of the law. For a good understanding of the PSD2, the European Commission has adopted the objectives of the PSD2 <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/NL\/LSU\/?uri=CELEX:32015L2366\">listed<\/a>. The topics we're worried about are in thick print.<\/p>\n\n\n\n<p>The '<a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/NL\/AUTO\/?uri=celex:32015L2366\">Directive (EU) 2015\/2366 on EU-wide payment services<\/a>The Revised Payment Services Directive (PSD2) is the sequel to the PSD1 and regulates payments in the European Union. Among other things, the PSD1 provided the IBAN account numbers. The PSD2 regulates more than just the <strong>account information services <\/strong>that the PSD2-me-not register focuses on.  <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">WHAT IS THE PURPOSE OF THIS DIRECTIVE?<\/h4>\n\n\n\n<ul><li>This Directive lays the foundations for the further development of a better Internal Market for electronic payments within the EU.<\/li><li>This Directive lays down comprehensive rules for payment services, with the aim of ensuring that international payments (within the EU) can be made as easily, efficiently and securely as payments within a single country.<\/li><li>It aims to open payment markets to new entrants, leading to more competition, greater choice and better prices for consumers.<\/li><li>It also provides the necessary legal platform for the Single Euro Payments Area (<a href=\"http:\/\/ec.europa.eu\/finance\/payments\/sepa\/index_en.htm\">SEPA<\/a>)).<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">KEY POINTS<\/h4>\n\n\n\n<ul><li>The purpose of this Directive is to amend the existing\nImprove EU rules for electronic payments. Account will be\nheld with new and innovative payment services, such as internet and mobile\npayments.<\/li><li>This Directive lays down rules with\nin relation to: <ul><li>strict security regulations for\nelectronic payments and the protection of financial data of\nconsumers, ensuring secure authentication and risk\non fraud;<\/li><\/ul><ul><li>the transparency of conditions and\ninformation requirements for payment services;<\/li><\/ul><ul><li>the rights and obligations of users and\nPayment Service Providers.<\/li><\/ul><\/li><li>This Directive shall be supplemented by <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/NL\/AUTO\/?uri=uriserv:24040603_1\">Regulation (EU) 2015\/751<\/a> whereby\ninterchange fees charged between banks for\npayment card transactions will be restricted. This is expected to\nshould reduce costs for merchants when issuing debit cards and\naccept consumer credit cards.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Towards a more integrated payments market in the EU<\/h2>\n\n\n\n<p>In this guideline a clear and comprehensive set\nlaid down rules that will apply to existing and new providers\nof innovative payment services. These rules are designed to ensure that\nthese players can compete on a level playing field, which should lead to\ngreater efficiency, choice and transparency of payment services, and thereby\nat the same time increasing consumer confidence in a harmonised\npayments market.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Opening the EU market to new services and providers<\/h4>\n\n\n\n<p>This Directive is also intended to improve the EU payments market.\nopen to businesses offering payment services aimed at\nconsumers or businesses on the basis of access to information on the\npayment account, in particular:<\/p>\n\n\n\n<ul><li><strong>account information services that allow payment service users to obtain an overview of their financial situation at any time so that they can better manage their personal finances;<\/strong><\/li><li>payment initiation services that allow consumers to pay for their online purchases by simple credit transfers, while giving merchants the certainty that payment has been initiated so that the goods can be released or the services provided without delay.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Consumer rights<\/h4>\n\n\n\n<ul><li>Consumer rights have been extended to include <ul><li>less liability for unauthorised payments from EUR 150 to EUR 50;<\/li><\/ul><ul><li>unconditional right of reimbursement for direct debits in euro;<\/li><\/ul><ul><li>ban on surcharges for the use of credit and debit cards for consumers.<\/li><\/ul><\/li><li>The <a href=\"http:\/\/eur-lex.europa.eu\/summary\/glossary\/european_commission.html\">European commission<\/a> will publish in early 2018 a 'user-friendly' electronic leaflet listing consumers' rights under the Directive and related EU legislation.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Authorisation of payment institutions<\/h4>\n\n\n\n<p>This Directive lays down the conditions for granting\nof authorisation of payment institutions not materially changed, but\npayment institutions offering account information services should have a\nhave professional insurance against professional risks in order to obtain a licence\ncan get. The Directive also contains rules on the monitoring of\nauthorised payment institutions, and measures in the event that they fail to comply with the rules\ndo not comply.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Role of the European Banking Authority (EBA)<\/h4>\n\n\n\n<p>The role of the <a href=\"http:\/\/eur-lex.europa.eu\/summary\/glossary\/european_banking_authority.html\">EBA<\/a> has been expanded to include the following:<\/p>\n\n\n\n<ul><li>creation of a publicly accessible central\nregister of authorised payment institutions. That register should\nkept up to date by national authorities;<\/li><li>assist in settling disputes between\nnational governments<\/li><li>development of regulatory technical standards\nfor secure client authentication and secure communication channels that all\npayment service providers must comply;<\/li><li>development of cooperation and exchange of\ninformation between supervisory authorities.<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>The PSD2 is the new banking law and regulates payment transactions in the European Union. Privacy First focuses on privacy risks ... <\/p>\n<div><a href=\"https:\/\/psd2meniet.nl\/en\/samenvatting-van-psd2\/\" class=\"more-link\">Read More<\/a><\/div>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","trp-custom-language-flag":"","post-thumbnail":"","entry":"","entry-cropped":"","entry-fullwidth":"","entry-cropped-fullwidth":""},"post_excerpt_stackable_v2":"<p>De PSD2 is de nieuwe bankenwet en regelt het betalingsverkeer in de Europese Unie. Privacy First richt zich op privacyrisico&#8217;s die ontstaan door rekeninginformatiediensten en de verwerking van persoonsgegevens. Dit is een klein stukje van de mogelijkheden van de wet. Voor een goed begrip van de PSD2 heeft de Europese Commissie de doelen van van de PSD2 op een rijtje gezet. De onderwerpen waar wij ons zorgen over maken zijn dik gedrukt. De &#8216;Richtlijn (EU) 2015\/2366 betreffende betalingsdiensten in de gehele EU&#8216;, ofwel de Revised Payment Services Directive (PSD2), is het vervolg op de PSD1 en regelt het betalingsverkeer in&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/psd2meniet.nl\/en\/category\/geen-onderdeel-van-een-categorie\/\" rel=\"category tag\">Geen onderdeel van een categorie<\/a>","author_info_v2":{"name":"Martijn van der Veen","url":"https:\/\/psd2meniet.nl\/en\/author\/martijn\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/posts\/40"}],"collection":[{"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/comments?post=40"}],"version-history":[{"count":6,"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/posts\/40\/revisions"}],"predecessor-version":[{"id":609,"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/posts\/40\/revisions\/609"}],"wp:attachment":[{"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/media?parent=40"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/categories?post=40"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/psd2meniet.nl\/en\/wp-json\/wp\/v2\/tags?post=40"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}