Payment Service Directive 2


The second EU Payment Services Directive (PSD2) introduces some changes to payment services within the European Union. The objective of PSD2 is to create a more uniform, transparent and open EU payment market and bring innovation, competition and security to the fore.

If you are a third-party service provider seeking access to the test environment, you will need a test certificate. Such test certificates can be obtained, for example, from Qualified Trusted Service Providers (QTSP,

To gain additional access to the production environment, you must be licensed by a national regulatory authority. In Germany, this is the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Bonn.

Current state

With our last deployment on 14.6.2019, all regulatory required functionalities of the interface are available for the connection of third-party service providers.

To access the functions of the PSD2 interface (productive environment), you need a Qualified Website Authentication Certificate (QWAC).

PSD2 Developer Portal

The latest information regarding PSD2 development can be found here

PSD2 Developer Portal


For PSD2 specific questions please contact: This email address is being protected from spambots. You need JavaScript enabled to view it.