In accordance with Articles 66.4.b of the PSD2, Account Servicing Payment Service Providers (ASPSPs) are required to provide or make available all necessary information on the initiation and execution of payment transactions to Payment Initiation Service Providers (PISPs) upon receipt of a payment order. Specifically, Article 66.4.b mandates that this information be shared with the PISP immediately following the payment initiation, while RTS Article 35.4.b stipulates that all parties involved must include unequivocal references to identify each payment order

Additionally, Article 36.1.b of the RTS requires that PISPs have access to all relevant information about the initiation and execution of payment orders. 

However, some ASPSPs, unlike the broader industry standard, impose additional requirements, such as mandating the use of a "user token" to access payment execution information.

This practice conflicts with broader industry standards, where ASPSPs provide the necessary information without imposing similar constraints. Requiring "user tokens" undermines the uniformity intended by PSD2, leads to inconsistency among ASPSPs, and hinders PISPs' ability to comply with their obligations under PSD2 and the RTS.