PAYMENT.TECHNOLOGY.LAW.
  • Topics
    • Anti Money Laundering
    • Artificial Intelligence
    • Banking
    • Bitcoin & Co.
    • Crypto & digitisation
    • Data Protection
    • DORA & IT Security
    • FinTech
    • Insurance Law
    • Investment
    • Payment
    • PSD2
    • Regulatory
    • Tax
  • Podcast
  • PSD3 & Co
  • Glossary
  • Event Calendar
  • About
  • Contact
PAYMENT.TECHNOLOGY.LAW.
  • Topics
    • Anti Money Laundering
    • Artificial Intelligence
    • Banking
    • Bitcoin & Co.
    • Crypto & digitisation
    • Data Protection
    • DORA & IT Security
    • FinTech
    • Insurance Law
    • Investment
    • Payment
    • PSD2
    • Regulatory
    • Tax
  • Podcast
  • PSD3 & Co
  • Glossary
  • Event Calendar
  • About
  • Contact
  • EN
    • DE
mm

Dr. Hugo Godschalk

45 posts
Hugo is managing director and founder of PaySys Consultancy in Frankfurt am Main. Since 2000 PaySys Consultancy represents the European Payments Consulting Association (EPCA) as German founding member. He initiated the Prepaid Verband Deutschland (PVD) as platform of the prepaid industry in Germany.
BBanking
PSR: Proposal for greater transparency of merchant fees in the card business 1
Read More
  • 3 minute read

PSR: Proposal for greater transparency of merchant fees in the card business

  • byDr. Hugo Godschalk
  • 14. August 2025
Trialogue negotiations on the PSR and PSD3 are expected to start at EU level shortly after the summer break. The European Council set out its position on 13 June 2025. For the PSR, the Council proposes in Article 31a to improve the transparency of merchant fees for card-based payment transactions.
Read More
CCrypto & digitisation
Tokenization of money: e-money token vs. Commercial Bank Money Token 2
Read More
  • 6 minute read

Tokenization of money: e-money token vs. Commercial Bank Money Token

  • byDr. Hugo Godschalk,Awet Yohannes
  • 17. July 2025
“People don’t talk about money” – or do they? Recently, at least, there has been increasing talk about…
Read More
PPayment
Prepaid-Kongress - Impression 2024 - Vortragender auf der Bühne ist Christian Walz
Read More
  • 3 minute read

10th Prepaid Congress – Go for Gold!

  • byPayTechLaw-Team,Dr. Hugo Godschalk,Christian Walz
  • 30. April 2025
On 22 May 2025, the time has finally come: the Prepaid Congress will take place for the tenth…
Read More
PPayment
Tip(ping): Contactless payment – enjoyment lies in the delay 3
Read More
  • 2 minute read

Tip(ping): Contactless payment – enjoyment lies in the delay

  • byDr. Hugo Godschalk
  • 24. April 2025
UX moments at the terminal: A regular morning at the airport – until technology steps in and asks for a tip. Hugo Godschalk shares a short, pointed observation that makes you pause and think.
Read More
FFinTech
EBA’s Report on Tokenised Deposits 4
Read More
  • 7 minute read

EBA’s Report on Tokenised Deposits

  • byAwet Yohannes,Dr. Hugo Godschalk
  • 11. March 2025
On 12 December 2024, the European Banking Authority (‘EBA’) published its ‘Report on tokenised deposits’ (‘EBA Report’). [1] …
Read More
FFinTech
"Fair" merchant fees for the acceptance of the Digital Euro? 6
Read More
  • 5 minute read

“Fair” merchant fees for the acceptance of the Digital Euro?

  • byDr. Hugo Godschalk
  • 4. March 2025
In its charm offensive for the Digital Euro (D€), the ECB is primarily targeting merchants. This is an…
Read More
BBanking
What do the party manifestos have to say about ‘our’ payment topics? 7
Read More
  • 5 minute read

What do the party manifestos have to say about ‘our’ payment topics?

  • byDr. Hugo Godschalk
  • 18. February 2025
Some highlights from the German federal election manifestos 2025 Payments are not just a topic for lawyers. It…
Read More
CCrypto & digitisation
EBA specifies e-money definition - What does this mean in practice?
Read More
  • 4 minute read

EBA specifies e-money definition – What does this mean in practice?

  • byAwet Yohannes,Dr. Hugo Godschalk
  • 4. February 2025
The definition of e-money plays an important role in practice, as it determines the regulatory requirements for products…
Read More
LLegal
Zahlungsverkehr Hugo
Read More
  • 4 minute read

The questionable figures to the German payment market of the German Council of Economic Experts

  • byDr. Hugo Godschalk
  • 26. November 2024
The new annual report on the assessment of macroeconomic developments 2024/2025 by the German Council of Economic Experts…
Read More
FFinTech
emoney
Read More
  • 3 minute read

Deposit from the credit institution and e-money (only) from the e-money institution?

  • byDr. Hugo Godschalk,Awet Yohannes
  • 19. November 2024
Digital means of payment are more present in public discourse than ever; not least due to the new…
Read More
CCrypto & digitisation
The digital euro in the European election campaign - Hugo Godschalk
Read More
  • 7 minute read

The Digital Euro in the European Election Campaign

  • byDr. Hugo Godschalk
  • 28. May 2024
The European Commission’s proposal to regulate the digital euro (D€) has been on the table since June 28th,…
Read More
RRegulatory
BaFin-Register: Bereichsausnahmen für limited network und limited range
Read More
  • 4 minute read

Online again: BaFin register of notified LNE exemptions

  • byDr. Hugo Godschalk,Christian Walz
  • 5. March 2024
Here at PayTechLaw, we have always dealt with the PSD2-exceptions for limited networks and limited product ranges. Those…
Read More
AAnti Money Laundering
The AML package is here 10
Read More
  • 2 minute read

The AML package is here

  • bySebastian Glaab,Till Christopher Otto
  • 20. February 2024
On February 12, 2024, the Council of the European Union published the final compromise texts on the new…
Read More
FFinTech
Digital Euro - No Full Anonymity. Why Not? | Annerton
Read More
  • 7 minute read

Digital Euro – No Full Anonymity. Why Not?

  • byDr. Hugo Godschalk
  • 15. February 2024
A contribution to the hearing in the Finance Committee of the German Bundestag on the digital euro on…
Read More
Latest Posts
  • EUDI-Wallet: KYC, SCA & Digital Signature in One System | ALLES LEGAL #122
    • 14.01.26
    • byPeter Frey
  • Data Protection Law Permissibility of Mandatory User Accounts in E-Commerce
    • 08.01.26
    • byJosefine Spengler
  • AI in the financial sector: Classification and practical significance of the new BaFin guidance on the use of AI
    • 18.12.25
    • byJosefine Spengler
Subscribe to our newsletter
Never miss PayTechLaw news again!

By continuing, you accept our privacy policy.
Event Calendar


Get your ticket now!

View all events & discounts

Paytechlaw on Social Media
LinkedIn
Google News
Spotify
SoundCloud
Apple
RSS
PAYMENT.TECHNOLOGY.LAW.
Payment. Technology. Law.
  • Contact
  • Newsletter
  • Imprint
  • Data Protection Policy