> ## Documentation Index
> Fetch the complete documentation index at: https://docs.law4devs.eu/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Services Directive 2 (PSD2)

> Directive (EU) 2015/2366 on Payment Services in the Internal Market.

## Overview

| Field        | Value                                                                                          |
| ------------ | ---------------------------------------------------------------------------------------------- |
| **CELEX**    | 32015L2366                                                                                     |
| **Status**   | Active                                                                                         |
| **Articles** | 117                                                                                            |
| **Recitals** | 113                                                                                            |
| **EUR-Lex**  | [View Official Text](https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32015L2366) |

## Compliance Deadlines

| Date       | Type                | Description                                           |
| ---------- | ------------------- | ----------------------------------------------------- |
| 2016-01-13 | Entry into force    | Directive enters into force                           |
| 2018-01-13 | Transposition       | Member States transposition deadline                  |
| 2021-01-01 | Partial application | Strong Customer Authentication for e-commerce applies |

## Stakeholder Roles

The PSD2 defines obligations for the following 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)

## Requirement Types

Requirements in PSD2 are classified as:

* **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

## API Usage

```bash theme={null}
# 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 theme={null}
# 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 theme={null}
// 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' });
```

## 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