{"id":3067,"date":"2025-10-14T19:04:31","date_gmt":"2025-10-14T17:04:31","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3067"},"modified":"2026-02-26T11:35:43","modified_gmt":"2026-02-26T10:35:43","slug":"eidas-2-and-payments","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/","title":{"rendered":"eIDAS 2 and payments"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-mandatory-acceptance-of-the-eudi-wallet\">Mandatory acceptance of the EUDI Wallet<\/h2>\n\n\n\n<p>The eIDAS 2.0 regulation requires various private service providers to accept the <strong>EUDI Wallet<\/strong> as a means of identification. This applies to organizations in <strong>education, healthcare<\/strong>, and <strong>financial services<\/strong>, among others.<\/p>\n\n\n\n<p>Service providers that apply \u2018<strong>strong user authentication<\/strong>\u2019 by law or contract must be able to accept all recognized EUDI Wallets for online identification. This means that payment service providers may also be subject to this obligation.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;knowledge-base&#x2F;digital-identity&#x2F;eidas&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore information about eIDAS 2.0 and EUDI Wallet\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Unclear impact on payments<\/h3>\n\n\n\n<p>Payment service providers fall within the scope of eIDAS 2.0 and must therefore, in principle, accept the EUDI Wallet. However, the <strong>impact on payments is still unclear<\/strong>, particularly due to the overlap between eIDAS 2.0 and existing legislation for payment services.<\/p>\n\n\n\n<p>PSD2 has guidelines for <strong>strong customer authentication (SCA)<\/strong>, while eIDAS 2.0 refers to <strong>strong user authentication<\/strong>. Although the concepts are related, their technical and legal interpretations differ. As a result, it is not yet clear:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In which payment processes the EUDI Wallet must be supported;<\/li>\n\n\n\n<li>Whether and how the EUDI Wallet can be technically integrated into existing payment flows;<\/li>\n\n\n\n<li>How payment service providers can comply with both PSD2 and eIDAS 2.0.<\/li>\n<\/ul>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;knowledge-base&#x2F;digital-identity&#x2F;two-factor-authentication&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tRead more about Strong Customer Authentication (SCA)\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Taskforce eIDAS 2.0 (TFeIDAS)<\/h2>\n\n\n\n<p>To clarify these issues, the Dutch Payments Association, together with its members, has set up the <strong>Taskforce eIDAS 2.0 (TFeIDAS)<\/strong>. This taskforce assesses the impact of eIDAS 2.0 and the EUDI Wallet on other legal obligations and on payment processes.<\/p>\n\n\n\n<p>In collaboration with <strong>INNOPAY<\/strong>, TFeIDAS has drawn up an English-language <strong><em>industry view<\/em><\/strong>, which analyzes the interpretation of the legislator and the practical feasibility.<\/p>\n\n\n\n<p>The document helps members and stakeholders to better understand the consequences of eIDAS 2.0.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;wp-content&#x2F;uploads&#x2F;sites&#x2F;4&#x2F;2025&#x2F;10&#x2F;Dutch-Payments-Association-EUDIW-in-payments-Interpretation-of-legislators-intention-and-feasibility-assessment.pdf\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tDownload the industry view\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M212.48,136.49l-82.06,82a60,60,0,0,1-84.85-84.88l98.16-97.89a40,40,0,0,1,56.56,56.59l-.17.16-95.8,92.22a12,12,0,1,1-16.64-17.3l95.71-92.12a16,16,0,0,0-22.7-22.56L62.53,150.57a36,36,0,0,0,50.93,50.91l82.06-82a12,12,0,0,1,17,17Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Key findings of TFeIDAS<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Intent of the legislator<\/strong><br>The legislator&#8217;s intention is that the EUDI Wallet will be accepted as an <strong>alternative means of <\/strong><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/two-factor-authentication\/\" type=\"btv_wiki\" id=\"3069\"><strong><u>two-factor authentication (2FA)<\/u><\/strong><\/a> when \u2018strong customer authentication\u2019 is required for online payments. It should be noted that SCA under PSD2 encompasses more than just <a class=\"internal-link-juicer-keyword-link\" href=\"https:\/\/www.betaalvereniging.nl\/en\/glossary\/2fa\/\">2FA<\/a>. The EUDI Wallet can, however, function as part of that process.<\/li>\n\n\n\n<li><strong><strong>Doubts about feasibility<\/strong><\/strong><br>Under current regulations, it seems difficult for payment service providers to integrate the EUDI Wallet as an alternative 2FA tool, as this conflicts with <strong><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/psd2\/\" type=\"btv_wiki\" id=\"2970\"><u>PSD2<\/u><\/a> <\/strong>and regulatory technical standards (RTS). More clarity is needed on how the EUDI Wallet can be used in accordance with PSD2.<\/li>\n\n\n\n<li><strong>Scope of obligations<br><\/strong>eIDAS 2.0 only imposes an acceptance obligation on payment service providers for the EUDI Wallet as a means of authentication. There is no obligation to support other functions of the wallet, such as electronic signatures or Electronic Attestations of Attributes (EAAs).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Role of the Dutch Payments Association<\/h2>\n\n\n\n<p>The Dutch Payments Association is working with stakeholders, regulators, and European authorities on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A <strong>secure and interoperable framework<\/strong> for digital identity in payments;<\/li>\n\n\n\n<li>A <strong>practical implementation of eIDAS 2.0<\/strong> that fits within existing payment standards;<\/li>\n\n\n\n<li>Clear communication about the implications of the EUDI Wallet for banks and payment service providers.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The revised EU regulation eIDAS 2.0 regulates digital identity and trust services in Europe. An important part of this legislation is the European Digital Identity Wallet (EUDI Wallet). This digital wallet has implications for payments.<\/p>\n","protected":false},"featured_media":3510,"parent":12,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[10],"class_list":["post-3067","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-digital-identity"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>eIDAS 2 and payments - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"eIDAS 2 and payments: impact of mandatory EUDI Wallet acceptance and overlap with PSD2 strong authentication rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"eIDAS 2 and payments\" \/>\n<meta property=\"og:description\" content=\"eIDAS 2 and payments: impact of mandatory EUDI Wallet acceptance and overlap with PSD2 strong authentication rules.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T10:35:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Digitale_identiteit_vierkant_2232562147-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/\",\"name\":\"eIDAS 2 and payments - 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