What DIRECTIVE (EU) 2015/2366 on payment services in the internal market - Article 97: Security measures requires
This article requires payment service providers to apply strong customer authentication (SCA) for online account access, electronic payment initiation, and other remote actions that carry a risk of fraud, and to implement security measures to protect user credentials.
Pillar: Banking & Global Finance · Authority: European Parliament and Council of the European Union · Version: 1.0.0 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015L2366
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Primary Citations — 6 traced to source
- Article 97(1): Member States shall ensure that a payment service provider applies strong customer authentication where the payer: (a) accesses its payment account online; (b) initiates an electronic payment transaction; (c) carries out any action through a remote channel which may imply a risk of payment fraud or other abuses.
- Article 97(2): With regard to the initiation of electronic payment transactions as referred to in paragraph 1(b), Member States shall ensure that payment service providers apply strong customer authentication, except where exemptions based on the criteria established in accordance with paragraph 3 apply.
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