Payment Services Directive (PSD3)

Proposal for a DIRECTIVE OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on payment services in the internal market and amending Directives 2002/65/EC, 2013/36/EU and 2009/110/EC and repealing Directive 2007/64/EC

Stage: In force
In force: In force since 12 Jan 2016 · CELEX 32015L2366
Transposition deadline: 13 Jan 2018
Procedure: Directive
Last activity: 25 Nov 2015

9 acts

Delegated and implementing acts beneath it

By status: 8 published, 1 cancelled.

Act	Kind	Status	Adoption
Commission Implementing Regulation (EU) 2021/1318	Delegated · Regulation	Published	23/06/2017
Commission Delegated Regulation (EU) 2023/1650	Delegated · Regulation	Published
Commission Delegated Regulation (EU) 2022/2360	Delegated · Regulation	Published	Q2 2022
Regulatory technical standards on authentication and communication foreseen in article 98 of Directive (EU) 2015/2366 on payment services in the internal market.	Delegated · Regulation	Cancelled	11/2018
Commission Implementing Regulation (EU) 2021/412	Delegated · Regulation	Published	Q2 2018
Commission Delegated Regulation (EU) 2020/1423	Delegated · Regulation	Published	Q2 2018
Commission Delegated Regulation (EU) 2019/411	Delegated · Regulation	Published	Q2 2018
Commission Delegated Regulation (EU) 2018/389	Delegated · Regulation	Published	27/11/2017
Commission Delegated Regulation (EU) 2017/2055	Delegated · Regulation	Published	23/06/2017

Titles link to EUR-Lex where the act has been published.

Summary

Generated

Directive (EU) 2015/2366 (PSD2) sets EU rules for payment services, including authorization of payment institutions, transparency requirements, and strong customer authentication for online payments. It applies to payment service providers operating in the EU, with exemptions for cash, cheques, and limited-network instruments.

What the workspace adds on this file

Everything above is the public record. Subscribers see this page with their own layer on top.

Why it matters to you

What this file means for your organization, assessed against your own priorities.

What moved

When this file moves, it reaches your own briefing, with a link to its source.

Your contacts on it

Your team's contacts logged against this file: who you met, what was said and the next step.

A first draft

A statement, a member update or a meeting brief on this file, in your organization's voice, with its sources.

Sources: EUR-Lex. Record as of 14 Sept 2026. Something wrong on this page? Report an error.

Request access

See this file with your own layer on top: why it matters to you, your contacts on it and a first draft. We’ll schedule a 20-minute walkthrough.

EU-hosted · GDPR-compliant · Trust Center →

By submitting, you agree to our privacy policy.