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- The PISP does not manage the payment amount and only initiates the payment on behalf of the user.<\/li>\n\n\n\n
- Applications include paying invoices or deferred payment of an online purchase at the time of shipment, at the initiative of the invoicer or seller; the payer cannot then forget to give a payment order to their bank themselves.<\/li>\n\n\n\n
- This method can serve as an alternative to existing online payment solutions and direct debits.<\/li>\n<\/ul>\n\n\n\n
![\"\"](\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/PISP-en.png\")
<\/figure>\n\n\n\nAccount Information Service Provider (AISP)<\/h2>\n\n\n\n
An account information service provider or Account Information Service Provider (AISP)<\/strong>, again with the express consent of an account holder, gains insight into the transactions and balance of their accounts at a bank. This enables companies and institutions to develop smart financial services.<\/p>\n\n\n\n
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- Users can see their accounts at different banks in a single overview.<\/li>\n\n\n\n
- Expenses can be automatically categorized in a digital household budget book.<\/li>\n\n\n\n
- Someone applying for a loan does not have to collect all kinds of personal financial data and submit it to the loan provider; the applicant can simply give the loan provider digital access to his or her accounts at one or more banks.<\/li>\n<\/ul>\n\n\n\n
![\"\"](\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/AISP-en-1024x428.png\")
<\/figure>\n\n\n\nSEPA Payment Account Access (SPAA)<\/h2>\n\n\n\n
The European SPAA scheme<\/strong> introduces innovative additional open banking services that go beyond PSD2. New possibilities include:<\/p>\n\n\n\n
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- Access to savings and credit card accounts.<\/li>\n\n\n\n
- Initiating recurring and variable payments.<\/li>\n<\/ul>\n\n\n\n
This expansion provides scope for more advanced financial services, while banks can receive a fee for offering these additional services. Led by the European Payments Council<\/em> (EPC)<\/strong>, banks and non-bank financial service providers are working together on this scheme.<\/p>\n\n\n\n
With its Open Banking Working Group<\/strong>, the Dutch Payments Association is closely involved in the EPC’s SPAA initiative. In December 2024, the Journal of Payments Strategy & Systems<\/em> published the article \u2018The SEPA Payment Account Access scheme is driving Open Banking in the EU beyond the revised Payments Services Directive (PSD2)<\/u><\/em><\/a>\u2019<\/em>, written by Niels Pranger<\/strong> (Dutch Payments Association) and Christophe Godefroi<\/strong> (EPC).<\/p>\n\n\n\n\t
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