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…
Group companies watch out! BaFin guidance note severely limits intra-group exemption
Only a few hours after the publication of the new BaFin guidance note on payment services, PayTechLaw…
The devil is in the detail: Payment Initiation Services, Account Information Services and the AML regulations
Should Payment Initiation Services and Account Information Services be subject to AML regulations? One of the most discussed…