Payment Services Directive 2 (PSD2)

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Overview

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Compliance Deadlines

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Stakeholder Roles

• manufacturer - Developers of payment systems and APIs
• importer - Payment service providers operating cross-border
• distributor - Account servicing payment service providers
• authorized_representative - Agents and branches of payment institutions
• notified_body - Bodies for payment service certification
• market_surveillance - National competent authorities
• consumer - Payment service users (payers and payees)

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Requirement Types

• obligation - Mandatory requirements for payment service providers
• prohibition - Restricted practices (e.g., surcharging)
• right - Rights of payment service users
• procedure - Authorization and passporting procedures
• general - General provisions and definitions

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API Usage

# Get all PSD2 articles
curl https://api.law4devs.eu/v1/frameworks/psd2/articles

# Get PSD2 framework details
curl https://api.law4devs.eu/v1/frameworks/psd2

# Get PSD2 requirements
curl https://api.law4devs.eu/v1/frameworks/psd2/requirements

# Get PSD2 recitals
curl https://api.law4devs.eu/v1/frameworks/psd2/recitals

# Python SDK
from law4devs import Law4Devs

client = Law4Devs(api_key="your-api-key")

# List all PSD2 articles
articles = client.articles.list("psd2")

# Get PSD2 requirements by stakeholder role
requirements = client.requirements.list("psd2", role="manufacturer")

# Search PSD2 articles by tag
articles = client.articles.search("psd2", query="SCA")

// TypeScript SDK
import { Law4Devs } from '@law4devs/sdk';

const client = new Law4Devs({ apiKey: 'your-api-key' });

// List all PSD2 articles
const articles = await client.articles.list('psd2');

// Get PSD2 requirements by stakeholder role
const requirements = await client.requirements.list('psd2', { role: 'manufacturer' });

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Key Topics

• Strong Customer Authentication (SCA) requirements
• Account Information Services (AIS)
• Payment Initiation Services (PIS)
• Access to Account (XS2A) and API requirements
• Payment service provider licensing
• Consumer protection and liability rules
• Transaction security and communication requirements
• Surcharge prohibition