{"id":2249,"date":"2024-10-05T11:37:28","date_gmt":"2024-10-05T08:37:28","guid":{"rendered":"https:\/\/solanteq.web-design.ee\/whats-new-with-psd3-and-why-does-it-matter\/"},"modified":"2025-10-15T14:55:06","modified_gmt":"2025-10-15T11:55:06","slug":"whats-new-with-psd3-and-why-does-it-matter","status":"publish","type":"post","link":"https:\/\/solanteq.com\/fr\/whats-new-with-psd3-and-why-does-it-matter\/","title":{"rendered":"What\u2019s new with PSD3 and why does it matter?"},"content":{"rendered":"

[vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1750074940255{background-image: url(https:\/\/solanteq.com\/wp-content\/uploads\/2025\/06\/pexels-sevenstormphotography-425010-scaled1.jpg?id=2287) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb][vc_column el_class=\u00a0\u00bbser-darken\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb80px\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbWhat\u2019s new with PSD3 and why does it matter?\u00a0\u00bb font_container=\u00a0\u00bbtag:h1|font_size:64px|text_align:left|color:%23FFFFFF|line_height:84px\u00a0\u00bb use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1750073864669{margin-bottom: 0px !important;margin-left: -5px !important;}\u00a0\u00bb el_class=\u00a0\u00bbheading-big\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb80px\u00a0\u00bb][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1749741235049{background-color: #434D59 !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-row-single\u00a0\u00bb][vc_column][vc_empty_space height=\u00a0\u00bb40px\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n

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Following PSD2, the Payment Services Directive 3 (PSD3) introduces a range of updates intended to strengthen security, encourage innovation, and streamline the efficiency of the European payments sector.<\/p>\n

THE TIME HAS COME<\/h2>\n

The payments industry has undergone substantial changes in recent years, with digital payments across the EU experiencing continuous growth\u2014a trend that was further accelerated by the COVID-19 pandemic. However, these circumstances have also given rise to more sophisticated fraud, compromising consumer safety and trust.<\/p>\n

Digital technologies and the open banking concept facilitate the secure sharing of financial data between banks and non-banking financial companies. PSD3 prepares the EU\u2019s financial sector for the digital future, managing the challenges and benefits that come with it.<\/p>\n

For now, PSD3 is still in the proposal stage, and it\u2019s unlikely to be adopted before mid-2025.\u00a0Solanteq<\/b><\/span>\u00a0is monitoring the situation closely and is prepared to support your business, making sure you\u2019re ready for the changes ahead.<\/p>\n

PSD3 enhances open banking and consumer protection by:<\/p>\n

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  • Reducing fraud through sharing fraud-related data between PSPs.<\/li>\n
  • Strengthening customer authentication rules.<\/li>\n
  • Extending refund rights for fraud victims.<\/li>\n
  • Implementing IBAN\/name matching verification for all credit transfers.<\/li>\n
  • Improving transparency on account statements and ATM charges.<\/li>\n
  • Equalizing access to EU payment systems for both banks and PSPs.<\/li>\n
  • Enhancing cash availability in stores and ATMs without a purchase.<\/li>\n
  • Clarifying currency conversion charges and transfer times for non-EU payments.<\/li>\n<\/ul>\n

    PREPARATION IS A MUST<\/h2>\n

    The three pillars of keeping up with payments evolution a\u200b\u200bnd delivering more sophisticated customer experiences are speed, efficiency, and security.<\/p>\n

    PSD3 was made in tandem with existing policy provisions in the European area, which covers different influential zones in the financial sector, including Settlement Finality Directive (SFD), Crypto-Assets Regulation (MiCA), Digital Operational Resilience Act (DORA), Anti-Money Laundering (AML) Directive, and Single Euro Payments Area (SEPA) Regulation.<\/p>\n

    Starting in Q1 2024, new SEPA Instant Payments legislation took effect, which means all payment service providers offering SEPA Credit Transfers must now participate in the Instant scheme. This fundamentally changes the European payments landscape, with 10-second transfers becoming the norm.<\/p>\n

    This change creates new opportunities for all players in the payments industry and boosts competition by allowing non-banks to join SEPA payment schemes directly. Previously, Fintechs could only participate through Correspondent Banking relationships.<\/p>\n

    Payment industry players need to stay ahead of changes in SEPA and PSD3 by preparing for immediate, intermediate, and long-term impacts. With\u00a0Solanteq<\/b><\/span>, you\u2019ll never be caught off guard by new regulations. We provide fintechs, PSPs, and banks with adaptable software to lead in digital transformation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n

    [\/vc_column_text][vc_empty_space height=\u00a0\u00bb40px\u00a0\u00bb][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1748342848647{margin-bottom: -40px !important;padding-top: 30px !important;padding-bottom: 30px !important;background-color: #E8432D !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/6″ css=\u00a0\u00bb.vc_custom_1748443670093{border-color: #FFFFFF !important;}\u00a0\u00bb el_class=\u00a0\u00bbbenefit-icon-col\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb30px\u00a0\u00bb el_class=\u00a0\u00bbmobile-off\u00a0\u00bb][vc_single_image image=\u00a0\u00bb507″ img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb30px\u00a0\u00bb el_class=\u00a0\u00bbmobile-off\u00a0\u00bb][\/vc_column][vc_column width=\u00a0\u00bb5\/6″ el_class=\u00a0\u00bbbenefit-content-col\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbSOLAR Transaction Processing Suite for your business to shine\u00a0\u00bb font_container=\u00a0\u00bbtag:h3|font_size:32px|text_align:left|color:%23FFFFFF|line_height:34px\u00a0\u00bb use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1748964410636{margin-bottom: 10px !important;}\u00a0\u00bb el_class=\u00a0\u00bbweight-regular\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb30px\u00a0\u00bb][vc_btn title=\u00a0\u00bbGet in touch\u00a0\u00bb style=\u00a0\u00bbcustom\u00a0\u00bb custom_background=\u00a0\u00bb#E8432D\u00a0\u00bb custom_text=\u00a0\u00bb#FFFFFF\u00a0\u00bb shape=\u00a0\u00bbround\u00a0\u00bb size=\u00a0\u00bblg\u00a0\u00bb align=\u00a0\u00bbleft\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1749727141010{margin-bottom: 0px !important;border-color: #FFFFFF !important;}\u00a0\u00bb link=\u00a0\u00bburl:%23″ el_class=\u00a0\u00bbbutton-red-bg popmake-1550″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    Following PSD2, the Payment Services Directive 3 (PSD3) introduces a range of updates intended to strengthen security, encourage innovation, and streamline the efficiency of the European payments sector.<\/p>\n","protected":false},"author":3,"featured_media":2288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43,21],"tags":[],"class_list":["post-2249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr","category-news-fr"],"_links":{"self":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts\/2249","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/comments?post=2249"}],"version-history":[{"count":4,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts\/2249\/revisions"}],"predecessor-version":[{"id":2652,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts\/2249\/revisions\/2652"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/media\/2288"}],"wp:attachment":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/media?parent=2249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/categories?post=2249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/tags?post=2249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}