One-way street FiDA – why well-intentioned is not well done
With its proposal for a regulation on a framework for access to financial data (Financial Data Access –…
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…
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)…
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…
EBA consults on guidelines on the limited network exclusion under PSD2
On July 15, 2021, the European Banking Authority (EBA) published a consultation draft on guidelines on the limited…
You shall never ask me (Nie sollst Du mich befragen) – the possibly dim future of online SEPA direct debit payments
A new response by the EBA in their Q&A tool may have a huge impact on the future…
Payment services. What is what?
Do you know the type of questions where the answer depends on who you ask? An example of…
Screen Scraping is dead – long live Screen Scraping!
A heated debate has been going on for years as to whether account information services providers (AISP) and…
PayTechLaw Top10 – The most clicked-on blog entries of 2018
We have finally digested the roast, scoffed all the tasty biscuits and properly disposed of the wrapping paper…
Update re intra-group exemption
The German regulator BaFin lately issued a very narrow interpretation of the BaFin intra-group exemption. However, if group…
E-Loyalty: To be or not to be
E-Loyalty: Multi-partner bonus programs under review from a ZAG perspective Since 13 January 2018 the new payment services…
Marketplaces and online platforms under PSD2 – clarity instead of cookies
On 29 November, BaFin published the long-awaited, newly amended guidance note on the German Payment Supervisory Act (PayTechLaw…
Changes to acquiring – MSPs and Internet PSPs watch out
On 29 November 2017, BaFin issued a long-awaited new guidance note on the German Payment Services Supervisory…