Àwọn Ìṣàmúlò-ètò

Àwọn ìṣàmúlò-ètò ìfilọ́ọ̀ǹ EU: PSD3, àwọn Iṣẹ́ Ìfilọ́ọ̀ǹ atí ìfilọ́ọ̀ǹ lẹ́tà

Nibo ni ofin awọn sisanwo ti EU wa: PSD3 ati PSR, Iṣẹ-ṣiṣe Awọn isanwo Aifọwọyi, ijẹrisi ti onra, igbẹkẹle irufin ati banki ṣii.

11 min read · Updated 2026-10-07 · 9 sources

Àwọn ààyè-iṣẹ́ Kekere

01Ile-ifowopamọ Igba Irẹdanu Ewe jẹ ofin tẹlẹ: awọn banki agbegbe euro gbọdọ firanṣẹ ati gba awọn gbigbe owo-ori ni akoko gidi ati ṣayẹwo ẹniti o gba owo; PIs ati EMIs ṣe atẹle nipasẹ Oṣu kọkanla ọjọ 9, ọdun 2027.
02PSD3 ati awọn iṣẹ isanwo ti a fọwọsi ni Oṣu kọkanla ọdun 2025 ati pe wọn n lọ nipasẹ gbigba ofin; wọn kii ṣe ofin.
03The PSR extends payee verification to all credit transfers and makes providers refund consumers in bank impersonation fraud.
04Awọn ile-ifowopamọ ti o ṣii, pẹlu awọn ibaraẹnisọrọ data ti a ṣe fun wọn, idiwọ lori awọn ipalara ati dashboard ti o gbagbọ fun awọn alabara.
05Awọn ofin akọkọ ti PSR ni lati lo awọn oṣu 21 lẹhin iforukọsilẹ, nitorinaa ọpọlọpọ awọn ile-iṣẹ n ṣe eto fun ọdun 2028 tabi nigbamii.

Àwọn ẹ̀yàn ìfilọ́lẹ̀ EU tí n yipada ní pàtà meji nígbà kan. Ìdájọ́ kan tí wa nípa: Àwọn Ìfilọ́lẹ̀ Akoko, tí ó ń mú àwọn ìṣàmúlò-ètò euro kọ́ọ̀kan lọ́wọ́lọ́wọ́ atí àgẹ́rẹ́lẹ̀ ijẹrisí onínọmbà nínú ile-iṣẹ́. Tí ẹ̀yàn mìíràn, PSD3 àtí Àwọn Ìfilọ́lẹ̀ Iṣẹ́ (PSR), tí a fọwọ́sì nípa ìjọbá, ṣugbọń o tí n lọ́wọ́lú nípa ìṣàfarawé.

Oju-iwe yi fi han ohun ti gbogbo reforms nilo, nigba ti, ati ẹniti o ni ipa. The licensing apa ti awọn sisanwo, pẹlu awọn kapitali ati awọn ofin aabo fun awọn sisanwo ati e-owo ile-iṣẹ, ti wa ni covered in the separate guide on e-owo ati owo ile-iṣẹ.

Kini idi ti àwọn ìṣàmúlò-ètò náà fi yipada

PSD2 ti wa ni lo titi ti awọn orilẹ-ede ọmọ ẹgbẹ ti gbe e lọ nipasẹ 13 January 2018. O ti ṣii ọja fun ibẹrẹ isanwo ati awọn olupese alaye kaadi kirẹditi ati pe o ti ṣafihan idanimọ alabara to lagbara.

Awọn ibajẹ rẹ ti di mimọ lati igba naa. The Council’s April 2026 note describes the aims of the new package as tackling payment fraud, increasing consumer protection, boosting transparency, improving access to cash and adapting the rules to new technology.

Awọn sisanwo ni akoko kan tẹle ọna ti o yatọ. Awọn gbigbe euro ni akoko kan ti wa fun awọn ọdun, ṣugbọn ifowosowopo jẹ ailopin ati pe ọpọlọpọ awọn olupese ko pese wọn, nitorinaa EU yan lati ṣe ilana wọn nipasẹ ofin.

Àwọn Ìṣàmúlò-ètò

Awọn ofin (EU) 2024/886 ni a tẹjade lori 19 Oṣu Kẹsan 2024. O ṣe ayipada SEPA Regulation (EU) No 260/2012, PSD2 ati Settlement Finality Directive, ati pe o lo fun awọn gbigbe owo-ori ni euro.

Ìgbàra-ara

Ajọṣepọ naa ni awọn iṣẹ mẹta ti o ṣe pataki fun awọn olupese iṣẹ isanwo ti wọn ti n pese gbigbe owo-ori:

Àwọn ìṣàfilọ́lẹ̀ àìpẹ̀ fún gbogbo eniyan. Gbogbo awọn olupese ti o nfun awọn gbigbe owo-ori gbọdọ pese lati firanṣẹ ati gba awọn gbigbe owo-ori ni akoko gidi si gbogbo awọn alabara rẹ, pẹlu awọn iroyin ti a le de ọdọ 24 wakati ni ọjọ kan lori eyikeyi ọjọ kalẹnda (Awọn nkan 5a).
Sekondì mẹ́ta. Aṣàfilọ́lẹ̀ tí a bá gbàwọ̀n nìkan gbọdọ̀ fi àwọn owò pamọ́, àti ṣàfilọ́lẹ̀ ìparí iṣẹ́, ninú àwọn sekondì 10 tí a báàfilọ́lẹ̀ tí a báàfilọ́lẹ̀ tí n gbá ẹ̀yàn náà.
Price parity. Awọn idiyele fun awọn gbigbe yara ko le kọja awọn idiyele fun awọn gbigbe owo-iworo ti iru kanna (Awọn nkan 5b).
Verification of payee. Before the payer authorizes a transfer, the provider must check the payee’s name against the account identifier, free of charge (Article 5c).

Awọn ifowosowopo ti o wa titi gbọdọ tun wa nipasẹ gbogbo awọn ọna asopọ nibiti alabara le fipamọ gbigbe owo-ori deede.

Àwọn ààyè-iṣẹ́

Nínú Àwọn Àkọlé 5c, agbẹ̀jọro tí o gba owò náà sọ̀rọ̀ pé àwọn orúkọ náà ati IBAN tí a fi fun nípa ẹnití o bá paṣẹ̀ jẹ́ ìṣàfarawé. Tí wọ́n bá jẹ́ ìṣàfarawé, ẹnití o bá paṣẹ̀ náà ń ṣàfihàn àwọn orúkọ to tọ́; tí wọn kò bá jẹ́ ìṣàfàyé, ẹnití o bá paṣẹ̀ náà ó ní igbọran pé owò náà lè lọ sí kọ̀ǹpútà tí a kò fẹ́.

Kò lè dá àwọn ìṣàmúlò-ètò padà sípò. Ojú-ìwé náà lè fi àwọn ìṣẹ̀dà pamọ́, tí a gbọdọ̀ sọ fun ù pé àwọn ẹ̀yàn ìgbàra-ẹ̀yàn nípa àwọn ìròyìn àti àwọn ìṣàfilọ́lẹ̀.

Awọn alabara iṣowo ti n firanṣẹ awọn sisanwo ni bulk le yan lati lọ kuro ninu ayẹwo, ati pe o le yan pada ni eyikeyi akoko. A olupese ti o ṣe ayẹwo ni deede ko ni igbẹkẹle fun gbigbe si ẹniti o gba owo ti ko tọ ti a fi ṣẹlẹ nipasẹ idanimọ ti ko tọ. Ti ayẹwo ba ṣubu nitori aṣiṣe olupese kan, olupese olupese gbọdọ sanwo pada si ẹniti o gba owo ati ki o le yọkuro ipalara lati olupese olupese.

Iṣayẹwo Sanctions

Àwọn ìṣàmúlò-ètò ti yipadá bí a ṣe lè ṣayẹwo àwọn ẹ̀yàn-ẹ̀yàn fún ìfilọ́wọ́lẹ̀. Láìsì Àrẹ̀sì 5d, àwọn onínọmbà gbọdọ̀ ṣayẹwo awọn olórí wọn lọ́wọ́ ẹ̀yàn-ẹ̀yàn-ọ̀fẹ́ wọn lórí ẹ̀yàn-ẹ̀yàn-ọ̀rọ̀ EU nígbà kan ní gbogbo ọjọ́ kalẹnda náà atí lẹ́ẹ̀kanláàrẹ̀ láti inú ààyè-iṣẹ́ tuntun tàbí àwọn àkókó tí a pàṣẹ́.

Wọn ko le tun ṣayẹwo awọn ti o sanwo tabi awọn ti o gba ni gbogbo igba ti a gbejade fun awọn igbesẹ ti a ṣe afihan. Ṣayẹwo fun awọn idi miiran, pẹlu awọn ofin ẹjọ miiran ati awọn ofin anti-launching owo, kii ṣe ipalara.

Ìgbà Iṣẹ́

Iṣẹ-ẹjọ naa ti ṣeto awọn ọjọ ipari rẹ nipasẹ owo-ori orilẹ-ede ọmọ ẹgbẹ olupese.

Àwọn Ìṣàmúlò-ètò	Àwọn ààyè-iṣẹ́	Àwọn Ìṣàfilọ́lẹ̀ nínú àwọn ìjọbá-ẹ̀yàn mìíràn mìíràn
Ṣẹ̀dá àwọn ìṣàfilọ́lẹ̀	9 January 2025	9 January 2027
Fi àwọn ìjánu-ìṣàfilọ́lẹ̀ pamọ́	9 October 2025	Ọjọ́ kọkanlà 9 Oṣù 2027
Iwọn iyatọ owo	9 January 2025	9 January 2027
Ìyànṣé tí a fi pamọ́	9 October 2025	Ọjọ́ kọkanlà 9 Oṣù 2027
Iṣayẹwo awọn sanctions ọjọgbọn	9 January 2025	9 January 2025

Awọn ile-iṣẹ isanwo ati awọn ile-iṣẹ owo-ẹya ni awọn ọjọ wọn fun ifowopamọ kiakia ninu Awọn nkan 5a. Ninu agbegbe euro wọn gbọdọ fiweranṣẹ ati gba awọn gbigbe kiakia nipasẹ Oṣu Kẹrin Ọjọ 9, Ọdun 2027; nibẹ wọn gbọdọ gba nipasẹ Oṣu Kẹsan Ọjọ 9, Ọdun 2027 ati fiweranṣẹ nipasẹ Oṣu Kẹta Ọjọ 9, Ọdun 2027.

Àwọn ààyè-iṣẹ́ nínú àwọn orilẹ́ẹ̀tì tí kò jẹ́ euro lè, láti inú ìṣẹ̀dá tí a fi pamọ́ lọ́wọ́lọ́wọ́ rẹ̀, lè dá àwọn ìṣàfilọ́lẹ̀ àìpẹ̀ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ nínú euro láti inú àwọn kọ̀ǹpútà owo-ọ̀tun. Ojú-ìwé náà tí a fi pamọ́ lórúkọ tí a fi pamọ́ lọ́wọ́lọ́wọ́ atí pé kò lè jú EUR 25,000 lọ.

Ṣiṣi awọn eto isanwo si awọn ile-iṣẹ ti ko ni banki

Ilana naa tun sọrọ nipa ijamba ti o wa ni igba pipẹ fun awọn ile-iṣẹ isanwo ati owo-ẹya. O ti yipada si Settlement Finality Directive ki PIs ati EMIs le ṣe alabapin ni awọn eto isanwo ti a yan, ati pe o ti yipada PSD2 lati gba owo-ori aabo lati wa ni ile-ifowopamọ nla kan ni ifẹ banki naa. Awọn orilẹ-ede ọmọ ẹgbẹ ni lati lo awọn ayipada wọnyi nipasẹ 9 Oṣu kọkanla 2025.

Fun non-banks, yi jẹ pataki. Direct access to clearing ati awọn ifowopamọ dinku ibaramu lori banki a sponsor, nigba ti gbogbo eto ati gbogbo banki central tun fi awọn ipolowo rẹ han.

PSD3 atí àwọn ìṣàmúlò-ètò iṣẹ́ ifowopamọ́

European Commission ti gbe igbesẹ yii lọ si ọjọ 28 Oṣù Kejìlá, ọdun 2023.

Ìrọ̀kọ́	Ṣàfihàn	Àwọn ààyè-iṣẹ́ akọkọ
PSD3	Directive, transposed by member states	Ijẹrisi ati iwadii awọn ile-iṣẹ isanwo, pẹlu ifilọlẹ owo-ẹya; iṣẹ owo-ori
PSR	Awọn ofin, ti a lo ni rọọrun	Àwọn ìṣẹ̀lẹ̀-ilà: àwọn ẹ̀yàn, àwọn ẹ̀tọ̀ atí àwọn ẹ̀ṣẹ̀, àṣìṣe, ìforúkọsílẹ̀ banki, àṣìṣé agbẹ̀jọro to lagbara

Ti o ba gbe awọn ofin iṣesi sinu ilana ti a ṣe apẹrẹ lati yọ awọn iyatọ kuro ninu gbigbe orilẹ-ede. Lisensiing wa ni direktivi nitori pe o wa ni pẹkipẹki pẹlu awọn eto iṣakoso orilẹ-ede.

Awọn ipo ofin

Ajọṣepọ idibo yii waye ni ipade ti a ṣe ni ọjọ 26 Oṣù Kejìlá, ọdun 2025. Àwọn àkọlé. Awọn ọrọ ti o ni igbẹkẹle ti a fi ranṣẹ si Coreper ni Oṣu kọkanla ọdun 2026 fun itẹwọgba "ni ireti lati de adehun ni kika keji".

Lati 7 Oṣu Kẹsan 2026, Legislative Observatory fihan pe ẹgbẹ ECON ti Ile-igbimọ aṣofin ti fọwọsi awọn ọrọ ti a fowo si lori 5 May 2026. Awọn faili ti wa ni ireti fun awọn ipo akọkọ-kalẹnda ti Council, ati ki o Observatory fihan kan indicative plenary ọjọ ti 14 December 2026.

Ko si ohun elo kan ti a fiweranṣẹ ni Official Journal. Awọn nọmba nkan ati awọn fọto ni isalẹ wa lati awọn ọrọ ifowosowopo Oṣu Kẹrin Ọjọ 2026 ati pe o le jẹ ki wọn ṣe atunyẹwo tabi ṣe adaṣe ni ipari ofin-ọrọ.

Tí àwọn ìṣàmúlò-ètò náà bá lò

Àwọn ààyè-iṣẹ́ PSR Àwọn àyọkà ìṣàfarawé 21 oṣu lẹhin iforukọsilẹ. Awọn nkan 50 ati 57, ti o ṣe agbekalẹ ayẹwo awọn olugbawo, lo lẹhin oṣu 27.

PSD3 gbọdọ jẹ transposed ati ti a lo ninu awọn oṣu 21 ti iwọle sinu agbara. Iṣẹ-ifowopamọ ati e-owo ile-iṣẹ ti wa ni titi di oṣu 27 lẹhin iwọle si agbara lati ṣafihan wọn supervisor pe wọn pade awọn ibeere tuntun.

Ìdáràn: ààyè-iṣẹ́ tí PSR

Ìgbára-ìmúdúró jẹ́ ìyipadà tí o wúnrẹ̀n fún àwọn oníbara. Àkọsílẹ̀ PSR fi àwọn ìṣàfihàn mìíràn hàn.

Àwọn ìṣàfihàn fún gbogbo àwọn ìjánu-ìsún

PSR Akọsilẹ 50 lo awọn ofin ti o ni ibatan si awọn sisanwo kiakia lati ṣe ayẹwo awọn ofin ti o gba owo fun gbogbo awọn gbigbe kaadi, pẹlu awọn ti o wa ni ita agbegbe SEPA. Nígbà tí àwọn kọ̀ǹpútà bá jẹ́ ìṣàfihàn láti inú ohunkohun mìíràn jú IBAN lọ, ìṣàfihàn náà lo nípa ìṣàfihàn náà.

Article 57 mirrors the liability rule. If a provider fails to perform the check correctly and the payment goes wrong, the payer's provider must refund the payer without delay and may recover from the provider at fault.

Àwọn Ìṣàmúlò-ètò Banki

PSR Akọsilẹ 59 n ṣalaye awọn ibajẹ nibiti ẹnikan ti o ni ẹtọ ṣe ifihan pe o jẹ banki alabara rẹ, nipa lilo awọn ọna asopọ ibaraẹnisọrọ ti a fi si ọ. Ti manipulation naa ba mu ki alabara gba iwe-aṣẹ lati sanwo, olupese gbọdọ san owo pada ni kikun, ti o ba jẹ pe alabara ti sọ di mimọ ati pe o ti rii daju pe awọn ibajẹ si awọn ọlọpaa.

The provider has 15 business days to refund or to justify a refusal. It may reject only for suspected fraud or gross negligence by the consumer, and it bears the burden of proving it.

Àkọlé àwòrán Agbègbèré náà n fi àwọn onibara pamọ́ nínú ìṣàfarawe-ìròyìn mìíràn, àti nínú àwọn alábòójútó mìíràn:

Ìgbàdégbè. Àwọn òǹlò lè fi àwọn ìgbàdégbè pamọ́ fún iṣẹ́ kan tabi fún ìgbà kan. Ìbálẹ̀ tí a kọ̀ nínú ààyè-iṣẹ́ náà gba ipà lẹ́ẹ̀kan lórí àkókò àwọn sáà, tí kò bá jẹ́ pé òǹlò náà fẹ́ lọ́wọ́lọ́wọ́ (Àkọsílẹ̀ 51).
Ibaraẹnisọrọ data ibajẹ. Awọn olupese gbọdọ ṣe pọ ninu awọn ilana ibaraẹnisọrọ alaye lori ibajẹ ti a ro pe, pẹlu data ti a fipamọ fun ọdun mẹrin diẹ sii.
Telecoms and platforms. Electronic communications providers must take measures against caller ID and email spoofing, ati awọn oju opo wẹẹbu ori ayelujara ti o tobi pupọ gbọdọ ṣe ifowosowopo pẹlu awọn olupese isanwo.
Financial advertising. Platforms on-line ti o tobi pupọ ati awọn ẹrọ wiwa gbọdọ beere lọwọ awọn onijaja ti awọn iṣẹ owo-owo ti a ṣeto fun awọn ifihan pe wọn ni iwe-aṣẹ (Awọn nkan 59b).

A comparison: the UK approach

The UK chose a wider model for authorized push payment fraud. Since 7 October 2024, the Payment Systems Regulator has required reimbursement of Faster Payments APP scams up to GBP 85,000 per claim, with the Bank of England applying the same level to CHAPS.

Awọn ọrọ EU ni o kere ju ni agbegbe. O ṣe akiyesi lori impersonation ti olupese alabara kan pato ju gbogbo awọn irufin isanwo ti a fọwọsi, ati nibiti o ba lo, nkan 59 nilo ipadabọ ti iye kikun.

Ṣí banki láti ààyè-iṣẹ́ PSR

PSD2 kọ́ àwọn ẹ̀yàn fún ààyè-iṣẹ́ láti lo iṣàfilọ́lẹ̀ ìṣàmúlò-ètò àti àwọn alábòójútó àwọn iroyin (Àkọsílẹ̀ 66 àti 67). Nínú iṣẹ́, ìdárawọ́lú atí àwọn àgbèwọlé tí a fi pàdé nípá àwọn bánki tí kò lè gba.

Àkọ́lé àwọn ìṣàfarawe-ẹ̀yàn PSR náà ń fi móòdù pamọ́ láti mú u:

Ìdákọ́ọ̀nù àwọn ìṣàfilọ́lẹ̀. Àwọn alábòójútó àwọn kọ̀ǹpútà tí ǹbá jẹ́ pé wọn gbọdọ̀ funni ní ìdákọ́ọ̀nù ààyè-iṣẹ́ àwọn ìṣàfilọ́lẹ̀, láti inú àwọn ìṣàfilọ́lẹ̀ àti àwọn ìṣàfilọ́lẹ̀ (òrókè 35).
Awọn aṣiṣe ti ko le ṣe. Líǹkì àwọn ìṣàmúlò-ètò ti wọ́n sáà iwọlé láti àwọn oníṣẹ́ ẹgbẹ́ kẹta ní pàtó (Áìrọ̀gbèsì 44).
Consent dashboard. Banks must give customers a dashboard in their own interface to see and withdraw consents given to account information and recurring payment initiation services (Article 43).

Dáshboard náà ní pánẹ́ẹ̀lì. Àkọ́kọ́ náà ń dáwọ́ bàǹkì láti ṣe àwọn ààyè-iṣẹ́ náà nípa tí a kò bá gbọ́rọ̀gbèsì lórí iṣẹ́ ẹgbẹ́ kẹtà.

Iwọlesi si awọn kaadi banki fun awọn ile-iṣẹ isanwo

PSD2 ti fẹ́ gbàwọlé sí àwọn iroyiń banki fuń awọn ile-ifowopamọ́ pánẹ́ẹ̀lì nínú ìṣàfilọ́lẹ̀ kan, ti kò jẹ́ ẹ̀yàn-ọ̀fẹ́ atí ayọ̀. Nínú iṣẹ́, ìgbàjójú nínú igbẹ́sẹ̀, àwọn gbọ́dọ̀là kọ̀ǹpútà lọ́wọ́lù.

PSR Ìwé 32 narrows awọn idi ti lori eyi ti a banki le yọ kuro tabi pa kan iroyin fun a sisan ile-iṣẹ, rẹ agbọrọsọ tabi a applicant. Awọn idi ti o gba ni pẹlu ibajẹ ti EU AML Regulation, material ibajẹ ti adehun, ko si awọn iwe ati ibajẹ tabi yiyọ kuro ti ile-iṣẹ's licentie.

Igbakeji gbọdọ wa ni afihan laarin oṣu kan ti ohun elo ti pari, pẹlu awọn idi ti o ṣe pataki fun awọn ibajẹ ti olugbohunsafefe ju awọn ti ajọṣepọ lọ.

Àwọn ìṣàmúlò-ètò mìíràn nínú PSD3

PSD3 Àkọlé 37 gbá ààyè-iṣẹ́ láti fi owò kọ̀ǹpútà lọ́wọ́lọ́wọ́, láìfilọ́lẹ̀ nínú ẹ̀yàn líǹkì, titi di EUR 150 fun ìpaṣẹ. Àwọn orilẹ-ede tí wọ́n jẹ́ agbẹ̀jọro lè fi ìgbà kejì silẹ tí ko ju EUR 100 lọ́wọ́lọ́wọ́, àti ìpasẹ̀ naà gbọdọ̀ jẹ́ ohun tí ó yẹ̀ fun ìmọ̀ràn olórí.

PSD3 tun merge e-owo sinu awọn sisan ile-iṣẹ iwe-aṣẹ ati ki o yan tuntun capital ipele. Awọn yiyan, ati awọn ofin transitional fun awọn ti o wa tẹlẹ iwe-aṣẹ titobi, ni a dapo ninu awọn itọnisọna lori e-owo ati awọn sisan ile-iṣẹ iwe-aṣẹ.

Crypto ati stablecoins

Àwọn ìṣàmúlò-ètò owo-ẹ̀yàn MiCA jẹ tun “owo” fun awọn sisanwo ofin. The EBA fi awọn olupese iṣẹ crypto-asset silẹ titi di 2 March 2026 lati gba PSD2 ijẹrisi fun awọn iṣẹ isanwo pẹlu awọn tokens, ati ni a Kọkànlá Oṣù 2026 ti sọ fun awọn alaṣẹ nipa bi wọn ṣe le lọ siwaju lẹhin ọjọ naa.

Àkọlé àwòrán PSD3 ìgbàdálẹ̀-ètò náà ń fi ojú-ìjáde tí o kù jù lọ. Àwọn alábòójútó nínú àwọn ọjọ́ iṣẹ́ 60 láti gba ààyè-iṣẹ́ tó kù jù lọ láti inú MiCA-ẹ̀yàn CASP tí ó fẹ́ láti fi àwọn iṣẹ́ ifowopamọ̀ hàn nípa àwọn tónẹ́ẹ̀lì owo-ẹ̀yàn.

Ohun ti awọn ile-iṣẹ yẹ ki o ṣe ni bayi

Igbesẹ fun awọn ayipada meji naa n lọ ni ọna ti o jọra:

Awọn sisanwo nibẹ. PIs ati EMIs ti o nfun awọn gbigbe owo-iworo euro yẹ ki o ṣe agbekalẹ agbara nibẹ fun awọn ọjọ ipari wọn ti nkan 5a, pẹlu ijẹrisi olugba ati iṣayẹwo sanctions lojoojumọ.
Awọn igbimọ aabo. Awọn banki ati awọn olupese isanwo yẹ ki o ṣe idanimọ iwadii wọn, awọn ibaraẹnisọrọ alabara ati awọn ilana ipadabọ si PSR Awọn nkan 50, 57 ati 59.
Ṣí iṣẹ́ banki.Àwọn agbẹ́jọro tí n ṣí kọ̀ǹpútà kọ̀ǹpútà yẹ ki o ṣàyẹwo àwọn ojú-ìṣàfilọ́lẹ̀ tí wọn tí ṣèpọ̀lọpọ̀ àti ìṣàfarawé àwọn ààyè-iṣẹ́ ìgbàgbọ́.
Licensing. Awọn PIs ati EMIs ti o wa tẹlẹ yẹ ki o ṣe agbekalẹ awọn ifihan agbara ti oludari wọn yoo nilo labẹ PSD3 awọn ofin ayipada.
Ṣẹ̀dá ìwé̀ ipari. Awọn ọjọ̀ ni PSR ati PSD3 lọ lati igba ti a fi ṣẹ̀dà, eyi ti o da lori iforukọsilẹ ni Official Journal.

Ni ita ti EU, awọn ọna ni kanna paapaa nibiti awọn ohun elo yatọ. Awọn ile-iṣẹ pẹlu awọn alabara ni ọpọlọpọ awọn agbegbe yẹ ki o ronu awọn sisanwo ni akoko gidi, awọn ayẹwo ti a sanwo ati ipadabọ irufin lati di awọn ẹya ara ẹrọ deede ju awọn afikun ti o yan.

Sources(9)

EUR-Lex: Regulation (EU) 2024/886 on instant credit transfers in euro · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 on payment services (PSD2) · checked 2026-10-07
Council of the EU: I item note on PSD3 and PSR, doc. 8220/26 (17 April 2026) · checked 2026-10-07
Council of the EU: PSR final compromise text, doc. 8221/26 · checked 2026-10-07
Council of the EU: PSD3 final compromise text, doc. 8222/26 · checked 2026-10-07
European Parliament Legislative Observatory: procedure 2023/0210(COD), PSR · checked 2026-10-07
European Parliament Legislative Observatory: procedure 2023/0209(COD), PSD3 · checked 2026-10-07
EBA: Opinion on actions at the end of the PSD2 and MiCA no-action transition period (12 February 2026) · checked 2026-10-07
UK Payment Systems Regulator: PS24/7 APP scams reimbursement, maximum level · checked 2026-10-07

Àkóónú nikan, kò jẹ́ ofin, owo-ori àwòrán. Àjọṣepọ̀ ìforúkọsílẹ̀.

Àwọn ìṣàmúlò-ètò ìfilọ́ọ̀ǹ EU: PSD3, àwọn Iṣẹ́ Ìfilọ́ọ̀ǹ atí ìfilọ́ọ̀ǹ lẹ́tà

Àwọn ààyè-iṣẹ́ Kekere

Kini idi ti àwọn ìṣàmúlò-ètò náà fi yipada

Àwọn Ìṣàmúlò-ètò

Ìgbàra-ara

Àwọn ààyè-iṣẹ́

Iṣayẹwo Sanctions

Ìgbà Iṣẹ́

Ṣiṣi awọn eto isanwo si awọn ile-iṣẹ ti ko ni banki

PSD3 atí àwọn ìṣàmúlò-ètò iṣẹ́ ifowopamọ́

Awọn ipo ofin

Tí àwọn ìṣàmúlò-ètò náà bá lò

Ìdáràn: ààyè-iṣẹ́ tí PSR

Àwọn ìṣàfihàn fún gbogbo àwọn ìjánu-ìsún

Àwọn Ìṣàmúlò-ètò Banki

Àwọn Ìgbà Iṣẹ́ àti Ìṣàmúlò-ètò

A comparison: the UK approach

Ṣí banki láti ààyè-iṣẹ́ PSR

Iwọlesi si awọn kaadi banki fun awọn ile-iṣẹ isanwo

Àwọn ìṣàmúlò-ètò mìíràn nínú PSD3

Crypto ati stablecoins

Ohun ti awọn ile-iṣẹ yẹ ki o ṣe ni bayi