The questionable figures to the German payment market of the German Council of Economic Experts
The new annual report on the assessment of macroeconomic developments 2024/2025 by the German Council of Economic Experts…
Stronger protection for customer funds: ZAG reform brings clarity
German government plans to clarify insolvency protection for payment service providers’ fiduciary accounts: ZAG reform in ZuFinG II…
The new EU payment service regulation – Kick-off of our PSD3 series
On June 23, 2023, the European Commission published drafts for no less than three regulations and one directive…
PSD3 is getting closer – Results of the PSD2 Review Study
The European Commission presented a study on the application and impact of the Second Payment Services Directive (PSD2)…
The mysticism of numbers
The mysticism of numbers There is a bon mot attributed to Bismarck: “Laws are like sausages, it is…
On the Way to PSD3 – EBA’s Thoughts on Required Amendments to the Regulatory Framework for Payment Services
The review of PSD2 is currently taking place with some delay. With this review, various market participants are…
Execution of Payment Transactions and Money Remittance | FinTech online course #1
The execution of payment transactions and money remittance are payment services. If you want to provide payment services,…
Selected payment services: Issuing and Acquiring | FinTech online course #2
The issuing of payment instruments (“issuing”) and the acceptance and settlement of payment transactions (“acquiring”) are two very…
Essential civil law requirements for payment services | FinTech online course #11
In addition to regulatory requirements, payment service providers shall also comply with civil law requirements, which can be…
PayTechTalk 58 – Deposit business | FinTech online course #12
Payment institutions and e-money institutions collect funds from their customers and hold these funds – sometimes for longer…
Factoring and guarantee business in contrast to payment services | FinTech online course #13
When a company wants to develop new financial or payment products, the question always arises as to whether…
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…
PayTechTalk 34 – licence types for payment service providers
Recently I looked into the topic of licence types for payment service providers on PayTechLaw. In my blog…
May I or may I not? The types of licences for payment service providers
Perhaps you’ve experienced this before? When talking to different people about what licence is required for payment services,…