Payment services and electronic money


The EBA's work in the area of payments and electronic money is aimed at ensuring that payments across the EU are secure, easy and efficient. The regulatory output in this section includes the technical standards and guidelines under the revised Payment Services Directive (PSD2); the mandate conferred on the EBA in the Interchange Fee Regulation (IFR); the EBA Guidelines on the security of internet payments; and the EBA's views on financial innovations in the payments sector, such as ‘virtual currencies'. 

Technical Standards, Guidelines & Recommendations

  • RTS on Home-Host cooperation under PSD2

    The RTS specify the framework for cooperation and the exchange of information between competent authorities of the home and host Member States. The RTS also clarify the type of information as well as the templates to be used by payment institutions when reporting to the competent authorities of the host Member States on the payment business activities carried out in their territories.

    Status: Under development

  • Guidelines on fraud reporting under PSD2

    The Guidelines, which are addressed to payment service providers and competent authorities, are aimed at contributing to the objective of PSD2 to increase the security of retail payments in the EU.

    Status: Under development

  • Technical Standards on the EBA Register under PSD2

    These draft regulatory technical standards (RTS) and implementing technical standards (ITS) on the electronic central register under the Payment Services Directive (Directive (EU) 2015/2366) (PSD2) respectively set requirements on the development, operation and maintenance of the register and the information to be contained in it.

    Status: Final draft adopted by the EBA and submitted to the European Commission

  • Guidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance under PSD2

    These Guidelines define the criteria Competent Authorities should consider when stipulating the minimum monetary amount of the professional indemnity insurance (PII) or comparable guarantee for payment initiation and account information service providers under the revised Payment Service Directive (PSD2)

    Status: Final and translated into the EU official languages

Opinions, Reports and other Publications