Payment and e-money institutions answer to one rulebook in several layers. PSD2 covers authorisation, safeguarding and the rights of users; the SCA RTS covers authentication, its exemptions and the account access interfaces; EMD2 adds the rules for issuing e-money; DORA now carries incident reporting; and the Instant Payments Regulation adds round the clock euro transfers, verification of payee and daily screening of users. The work arrives in a predictable order: map every duty to an owner and its evidence, put the recurring reports on a calendar, then plan the 2027 instant payments deadline. The pages below follow that order.
2 pages on EU Payments, in the order the work happens. Jump to the stage you are at, or read straight through.
Know every duty PSD2, the SCA RTS and EMD2 put on a payment or e-money institution, and what you report to the regulator each year.
See which Instant Payments Regulation duties already apply to you and plan the work for the 2027 deadline.
These sit under another subject but bear directly on EU Payments.
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