The group privilege in payment services regulation
In a nutshell, the Payment Services Supervision Act (ZAG) stipulates that payment transactions and associated services within a…
The metamorphosis of a payment instrument into a payment app
If you “google” the term payment app, you come across Apple Pay, Google Pay, Payback Pay, Bluecode, PayPal…
The EU Commission’s proposal for PSD3 and PSR – a first overview
On 28 June 2023, the EU Commission presented proposals for a Payment Services Directive 3 (“PSD3“) and a…
Right to anonymous payments
Do we have a right to anonymous payments? If so, is this right linked to certain payment instruments,…