Payment Services Directive 2.
PSD2 regulates payment services in the EU, mandating Strong Customer Authentication (SCA), open banking via APIs, and consumer protection for electronic payments.
Maximum penalty
Member state specific penalties
Source: National transposition
Key requirements
Strong Customer Authentication (SCA)
Open banking API access for TPPs
Transaction monitoring for fraud
Consumer liability limits (€50 max)
+2 more requirements in the complete guide.
Get the full PSD2 compliance guide →Enforcement examples
Multiple PSPs across EU
SCA enforcement actions increasing across member states
Various
2024
How Tessera automates PSD2 compliance
SCA compliance monitoring
Open banking API security validation
Transaction fraud monitoring evidence
PSD2 incident reporting workflow
PSD2 compliance checklist
Essential steps to achieve and maintain PSD2 compliance.
Implement Strong Customer Authentication
Provide API access to licensed TPPs
Deploy transaction monitoring for fraud
+2 more steps in the full checklist.
Get your complete PSD2 compliance checklist - free →Industries affected
Calculate your PSD2 exposure.
See exactly how PSD2 penalties apply to your revenue and industry profile.