Legal, illegal, who cares? – Sanctions for payment services and e-money business without a licence
As part of our daily advisory work, we often have to consider whether a license is required for…
PEPS-I: Monnet 2.0 or SCT Inst?
Since mid-2019, around 20 banks from 9 eurozone countries have been discussing behind closed doors a concept for…
“Lex Apple Pay” – let’s pretend we don’t have a clue… what exactly are technical infrastructure services?
Everyone has been talking about “Lex Apple Pay” ever since the Finance Committee provided its recommendation to include…
The trials and tribulations of the ECB payment statistics
Before I begin, I’d just like to set the scene by establishing a few things: Just as lawyers…
Let the music play: The distribution of e-money and payment institutions in the EU
Would you like to play a little guessing game? Yes? Great! The question to be answered is: What…
Interchange Fee Regulation: Good things come to those who wait?
PayTechLaw already had a look at the Interchange Fee Regulation last year. Back then, I looked into queer…
Important supervisory law sources for payment service providers
Here on PayTechLaw we regularly look at overviews of laws and supervisory documents, e.g. the summaries of the…
News about IBAN discrimination
Just as the excitement around strong customer authentication for online SEPA direct debits was beginning to settle, direct…
EBA clarification: Setting up a SEPA direct debit mandate does not require strong customer authentication
After the European Banking Authority (EBA) sparked considerable excitement with one of its answers given in the Q&A…
PayTechTalk 40 – IBAN discrimination also through differentiation according to the payer’s place of residence
Is it allowed to offer customers different methods of payment when they make bookings over the internet, depending…