{"id":1131,"date":"2022-06-27T21:03:00","date_gmt":"2022-06-27T19:03:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1131"},"modified":"2026-08-06T20:24:48","modified_gmt":"2026-08-06T18:24:48","slug":"issues-seo-evaluation-report-psd2","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/issues-seo-evaluation-report-psd2\/","title":{"rendered":"Dutch Payments Association recognises issues in SEO evaluation report on PSD2"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">On 20 June, Finance Minister Sigrid Kaag presented SEO Economic Research\u2019s evaluation of the Dutch implementation of PSD2 (the <em>Revised Payment Services Directive<\/em>) to the House of Representatives. The Dutch Payments Association recognises the issues identified in <a href=\"https:\/\/www.rijksoverheid.nl\/documenten\/rapporten\/2022\/06\/20\/evaluatie-psd2\">SEO\u2019s evaluation report <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"704\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/eu-vlag-PSD2-shutterstock_793063282-800x.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Illustration with the text PSD2 surrounded by EU stars on a digital background, as a reference to European regulations for payment services and open banking.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/eu-vlag-PSD2-shutterstock_793063282-800x.jpg 800w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/eu-vlag-PSD2-shutterstock_793063282-800x-300x264.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/eu-vlag-PSD2-shutterstock_793063282-800x-768x676.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">These are the report\u2019s main conclusions and recommendations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Greater clarity and transparency are needed about the relationship between PSD2 and the GDPR (General Data Protection Regulation). This relationship is currently unclear, creating a strong need for practical guidance;<\/li>\n\n\n\n<li>The interfaces to banks (digital gateways or APIs) are not standardised. This has resulted in additional costs for both banks and other payment service providers;<\/li>\n\n\n\n<li>Under PSD2, banks are required to give other payment service providers digital access to payment data and payment services, and may not pass on the associated costs. This can, among other things, reduce innovation and disrupt the balance between costs and revenues, with revenues flowing disproportionately to other parties;<\/li>\n\n\n\n<li>The national application of relevant European laws and regulations, and the associated supervisory frameworks, are insufficiently harmonised. This has created uncertainty and unintended differences between Member States;<\/li>\n\n\n\n<li>The ban on <em>surcharging<\/em> (charging additional fees for certain payment methods) provides insufficient incentive to use the most efficient payment methods.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The European Commission is also evaluating PSD2 through a <a href=\"https:\/\/ec.europa.eu\/info\/business-economy-euro\/banking-and-finance\/regulatory-process-financial-services\/consultations-banking-and-finance\/targeted-consultation-review-revised-payment-services-directive-psd2_en\"><em>Targeted Consultation on the Review of PSD2<\/em> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. The deadline for responses is 5 July 2022. Since mid-April 2022, the Dutch Payments Association has been working in a dedicated PSD2 Review Task Force (TFPR) to prepare a jointly agreed response from its members and stakeholders. The task force is now finalising its response.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Dutch Payments Association recognises the issues identified in SEO Economic Research\u2019s evaluation of the Dutch implementation of PSD2.<\/p>\n","protected":false},"author":7,"featured_media":1132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[57,20],"btv_subject_tax":[13],"class_list":["post-1131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consultation","category-news","btv_subject_tax-european-legislation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SEO-evaluatierapport over PSD2: Aanbevelingen voor Verbetering - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Ontdek de belangrijkste bevindingen uit het SEO-evaluatierapport over PSD2 en de impact op de betaalindustrie.\" \/>\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\/news\/issues-seo-evaluation-report-psd2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dutch Payments Association recognises issues in SEO evaluation report on PSD2\" \/>\n<meta property=\"og:description\" content=\"Ontdek de belangrijkste bevindingen uit het SEO-evaluatierapport over PSD2 en de impact op de betaalindustrie.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/issues-seo-evaluation-report-psd2\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-27T19:03:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-06T18:24:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/eu-vlag-PSD2-shutterstock_793063282-800x.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"704\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/issues-seo-evaluation-report-psd2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/issues-seo-evaluation-report-psd2\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Dutch Payments Association recognises issues in SEO evaluation report on PSD2\",\"datePublished\":\"2022-06-27T19:03:00+00:00\",\"dateModified\":\"2026-08-06T18:24:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/issues-seo-evaluation-report-psd2\\\/\"},\"wordCount\":271,\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/issues-seo-evaluation-report-psd2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/eu-vlag-PSD2-shutterstock_793063282-800x.jpg\",\"articleSection\":[\"Consultation\",\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/issues-seo-evaluation-report-psd2\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/issues-seo-evaluation-report-psd2\\\/\",\"name\":\"SEO-evaluatierapport over PSD2: Aanbevelingen voor Verbetering - 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