Proposal for a Regulation on payment services in the internal market (PSR) and a Directive on payment services and electronic money services in the Internal Market (PSD3)

What Proposal for a Regulation on payment services in the internal market (PSR) and a Directive on payment services and electronic money services in the Internal Market (PSD3) requires

This proposal evolves PSD2 to enhance consumer protection, improve open banking competition, and strengthen enforcement by introducing stricter Strong Customer Authentication (SCA) rules, expanding data access for third-party providers (TPPs), and merging the legal frameworks for electronic money and payment services (PSR Article 1, PSD3 Article 1). It applies to all payment service providers (PSPs), including banks, e-money institutions, and payment institutions operating within the EU.

Pillar: Banking & Global Finance · Authority: European Commission · Version: 1.0.0 · Last updated: 2026-04-16

Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A52023PC0366

SHA-256 integrity: ea47ff5f9b13872a8cdf45f22a6d48d6f87bda31d60e4e98ce949e19bf498cb1

Primary Citations — 7 traced to source

• Proposal for a Regulation COM/2023/366, Article 36 - Dedicated interface for TPP access
• Proposal for a Regulation COM/2023/366, Article 40 - Permission dashboard

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• Canonical URL: https://bidda.com/intelligence/eu-psd3-proposal-2023
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