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What is Payment Services Directive 2 (PSD2)?

Payment Services Directive 2 (PSD2) is a European regulation for electronic payment services. It aims to make payments more secure across Europe, encourage innovation and help banking services adapt to new technologies. PSD2 is evidence of the increasing importance of Application Program Interfaces (APIs) in various financial sectors. 
Key aspects of PSD2 include:

  • Stronger security requirements for electronic payments
  • Protection of consumers' financial data
  • Opening up of banks' APIs to Third-Party Providers
  • Regulation of new types of payment services

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