{"id":1983,"date":"2017-11-28T00:00:00","date_gmt":"2017-11-27T23:00:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1983"},"modified":"2026-08-07T01:07:00","modified_gmt":"2026-08-06T23:07:00","slug":"secure-payment-account-access-third-parties","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/","title":{"rendered":"Secure access to payment accounts for third parties"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\"><\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">On 27 November 2017, the European Commission submitted its proposal for a <a href=\"http:\/\/data.europa.eu\/eli\/reg_del\/2018\/389\" target=\"_blank\" rel=\"noreferrer noopener\">technical standard<span class=\"sr-only\">(opens in new window)<\/span> <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> under PSD2 to the European Parliament and the Council of the European Union for review. PSD2 is the revised Payment Services Directive in the European Union. In the coming years, it is intended to increase competition, innovation and security in European payments. Among other things, the technical standard published yesterday sets out how providers of new payment initiation and account information services can gain reliable and secure access to a payment account. This always requires the account holder\u2019s explicit consent. Banks may also provide these new services themselves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The proposed technical standard provides for dedicated interfaces, known as APIs or Application Programming Interfaces, between banks and new providers. These interfaces give third parties precisely the access to a payment account for which the account holder has given consent. If an interface does not function properly, a fallback mechanism allows the third party, under strict conditions, to access the payment account in the same way as the account holder.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Dutch Payments Association is confident that Dutch banks can develop reliable and secure interfaces that give account holders the desired control over access to their payment accounts. It must always be clear what they have authorised a third party to do, and they must be able to withdraw that consent easily. In turn, these interfaces will allow third parties to develop innovative and secure new payment initiation and account information services for consumers and businesses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The technical standard provides a sound basis for further cooperation between banks and fintech companies in developing these interfaces. It creates the conditions for achieving PSD2\u2019s objectives: a level playing field that supports greater competition, innovation and security in the market for payment and account information services.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A proposed PSD2 technical standard sets out how third-party providers can access payment accounts securely through dedicated interfaces and with explicit customer consent.<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20],"btv_subject_tax":[13,19],"class_list":["post-1983","post","type-post","status-publish","format-standard","hentry","category-news","btv_subject_tax-european-legislation","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Secure access to payment accounts for third parties - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Leer meer over het voorstel van de Europese Commissie voor technische standaarden in het kader van PSD2 en de impact op betaaldiensten.\" \/>\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\/secure-payment-account-access-third-parties\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Secure access to payment accounts for third parties\" \/>\n<meta property=\"og:description\" content=\"Leer meer over het voorstel van de Europese Commissie voor technische standaarden in het kader van PSD2 en de impact op betaaldiensten.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2017-11-27T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-06T23:07:00+00:00\" \/>\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\\\/secure-payment-account-access-third-parties\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Secure access to payment accounts for third parties\",\"datePublished\":\"2017-11-27T23:00:00+00:00\",\"dateModified\":\"2026-08-06T23:07:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/\"},\"wordCount\":303,\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/\",\"name\":\"Secure access to payment accounts for third parties - Dutch Payments Association\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\"},\"datePublished\":\"2017-11-27T23:00:00+00:00\",\"dateModified\":\"2026-08-06T23:07:00+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"Leer meer over het voorstel van de Europese Commissie voor technische standaarden in het kader van PSD2 en de impact op betaaldiensten.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/secure-payment-account-access-third-parties\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Secure access to payment accounts for third parties\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/\",\"name\":\"Dutch Payments Association\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/author\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Secure access to payment accounts for third parties - Dutch Payments Association","description":"Leer meer over het voorstel van de Europese Commissie voor technische standaarden in het kader van PSD2 en de impact op betaaldiensten.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/","og_locale":"en_US","og_type":"article","og_title":"Secure access to payment accounts for third parties","og_description":"Leer meer over het voorstel van de Europese Commissie voor technische standaarden in het kader van PSD2 en de impact op betaaldiensten.","og_url":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/","og_site_name":"Dutch Payments Association","article_published_time":"2017-11-27T23:00:00+00:00","article_modified_time":"2026-08-06T23:07:00+00:00","twitter_card":"summary_large_image","twitter_creator":"@NLbetalen","twitter_site":"@NLbetalen","twitter_misc":{"Written by":"","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/#article","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/"},"author":{"name":"","@id":""},"headline":"Secure access to payment accounts for third parties","datePublished":"2017-11-27T23:00:00+00:00","dateModified":"2026-08-06T23:07:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/"},"wordCount":303,"articleSection":["News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/","name":"Secure access to payment accounts for third parties - Dutch Payments Association","isPartOf":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/#website"},"datePublished":"2017-11-27T23:00:00+00:00","dateModified":"2026-08-06T23:07:00+00:00","author":{"@id":""},"description":"Leer meer over het voorstel van de Europese Commissie voor technische standaarden in het kader van PSD2 en de impact op betaaldiensten.","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/secure-payment-account-access-third-parties\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.betaalvereniging.nl\/en\/"},{"@type":"ListItem","position":2,"name":"Secure access to payment accounts for third parties"}]},{"@type":"WebSite","@id":"https:\/\/www.betaalvereniging.nl\/en\/#website","url":"https:\/\/www.betaalvereniging.nl\/en\/","name":"Dutch Payments Association","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.betaalvereniging.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"","url":"https:\/\/www.betaalvereniging.nl\/en\/news\/author\/"}]}},"_links":{"self":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/1983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/comments?post=1983"}],"version-history":[{"count":4,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/1983\/revisions"}],"predecessor-version":[{"id":5689,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/posts\/1983\/revisions\/5689"}],"wp:attachment":[{"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/media?parent=1983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/categories?post=1983"},{"taxonomy":"btv_subject_tax","embeddable":true,"href":"https:\/\/www.betaalvereniging.nl\/en\/wp-json\/wp\/v2\/btv_subject_tax?post=1983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}