What Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance) requires
The EU PSD2 Directive mandates strong customer authentication (SCA) for electronic payments, grants third-party providers (AISPs and PISPs) access to bank account data and payment initiation via APIs (XS2A), and applies to all payment service providers operating in the European Economic Area. Key obligations are established under Article 97 and Article 98.
Pillar: Banking & Global Finance · Authority: European Parliament and Council of the European Union · Version: 1.0.1 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015L2366
SHA-256 integrity: e681dc1b7e63ac0cb76812a0cac617b288120410c0d65bbb81b870aa420bf336
Primary Citations — 5 traced to source
- Directive (EU) 2015/2366, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015L2366, Article 97, 2015
- Directive (EU) 2015/2366, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015L2366, Article 98, 2015
+ 3 more citations (full bibliography, deterministic workflow, actionable schema and crosswalks) included in the vault unlock — $0.01 via Skyfire / L402 / Direct Base USDC.
Access
- Discovery (free): /api/v1/nodes/eu-psd2-api-open-banking-workflow-2015-2366.json — 6-field metadata
- Vault (full node): /api/v1/vault/nodes/eu-psd2-api-open-banking-workflow-2015-2366.json — full 13-key payload, $0.01 USDC (L402/Skyfire/Direct Base)
- Canonical URL: https://bidda.com/intelligence/eu-psd2-api-open-banking-workflow-2015-2366
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