{"componentChunkName":"component---src-templates-blog-post-page-tsx","path":"/blog/psd3-psr/","result":{"data":{"locales":{"edges":[{"node":{"ns":"blog","data":"{\"Boost customer satisfaction and sales by accepting more payment methods.\":\"Boost customer satisfaction and sales by accepting more payment methods.\",\"Email Address\":\"Email Address\",\"Get payment insights and trends, expert business tips, and MONEI news.\":\"Get payment insights and trends, expert business tips, and MONEI news.\",\"Join MONEI to test integrations and payments. No commitment necessary.\":\"Join MONEI to test integrations and payments. No commitment necessary.\",\"Join MONEI with no commitment to test integrations and payments.\":\"Join MONEI with no commitment to test integrations and payments.\",\"Learn how to grow your business\":\"Learn how to grow your business\",\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\":\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\",\"Must Read\":\"Must Read\",\"Name\":\"Name\",\"Name is required\":\"Name is required\",\"No billing information is required. By opening a test account, you agree to receive marketing emails from MONEI.\":\"No billing information is required. By opening a test account, you agree to receive marketing emails from MONEI.\",\"No commitment. Unsubscribe anytime.\":\"No commitment. Unsubscribe anytime.\",\"Open an Account\":\"Open an Account\",\"Originally published\":\"Originally published\",\"Popular\":\"Popular\",\"Privacy and data processing information\":\"Privacy and data processing information\",\"Published\":\"Published\",\"Read More\":\"Read More\",\"Remove tag\":\"Remove tag\",\"Subscribe\":\"Subscribe\",\"Thank you! We will keep in touch.\":\"Thank you! We will keep in touch.\",\"Updated\":\"Updated\",\"email is required\":\"email is required\",\"should be a valid email\":\"should be a valid email\"}","language":"en"}},{"node":{"ns":"common","data":"{\"\\n          Integrated payment solutions help streamline and automate the payment acceptance\\n          process. It’s a payment system that communicates with the other software your\\n          business uses, making the payment integration for each platform or marketplace\\n          unique.\":\"\\n          Integrated payment solutions help streamline and automate the payment acceptance\\n          process. It’s a payment system that communicates with the other software your\\n          business uses, making the payment integration for each platform or marketplace\\n          unique.\",\"- Ahorra tiempo y dinero desarrollando tu propia solución de pagos. - Obtén una participación en los ingresos. - Aprovecha el sistema de facturación de MONEI para cobrar a tus usuarios/comerciantes por servicios adicionales. - Evita lidiar con el cumplimiento de pagos. - Ayuda a tus usuarios a aceptar más métodos de pago. - Comete menos errores.\":\"- Ahorra tiempo y dinero desarrollando tu propia solución de pagos. - Obtén una participación en los ingresos. - Aprovecha el sistema de facturación de MONEI para cobrar a tus usuarios/comerciantes por servicios adicionales. - Evita lidiar con el cumplimiento de pagos. - Ayuda a tus usuarios a aceptar más métodos de pago. - Comete menos errores.\",\"- Save time and money developing your own payments solution. - Earn a revenue share. - Leverage MONEI's billing system to charge your users/merchants for additional services. - Skip dealing with payment compliance. - Help your users accept more payment methods. - Make fewer errors.\":\"- Save time and money developing your own payments solution. - Earn a revenue share. - Leverage MONEI's billing system to charge your users/merchants for additional services. - Skip dealing with payment compliance. - Help your users accept more payment methods. - Make fewer errors.\",\"100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!\":\"100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!\",\"3D Secure Rules (Smart Exceptions)\":\"3D Secure Rules (Smart Exceptions)\",\"<0></0>︎ Access our APIs on behalf of each MONEI account bound to your partner account.\":\"<0></0>︎ Access our APIs on behalf of each MONEI account bound to your partner account.\",\"<0></0>︎ Get a unique registration link to let your users register their MONEI account (they’ll always be bund to your partner account).\":\"<0></0>︎ Get a unique registration link to let your users register their MONEI account (they’ll always be bund to your partner account).\",\"<0></0>︎ View the Partner Dashboard to see payment history, aggregated analytics, and details about each MONEI account bound to your partner account.\":\"<0></0>︎ View the Partner Dashboard to see payment history, aggregated analytics, and details about each MONEI account bound to your partner account.\",\"<0>Accept more payment methods</0>\":\"<0>Accept more payment methods</0>\",\"<0>Blog</0>\":\"<0>Blog</0>\",\"<0>Built in payment security</0>\":\"<0>Built in payment security</0>\",\"<0>Easily onboard and payout users</0>\":\"<0>Easily onboard and payout users</0>\",\"<0>Flexible out-of-the-box solution</0>\":\"<0>Flexible out-of-the-box solution</0>\",\"<0>Pricing</0>\":\"<0>Pricing</0>\",\"<0>Save money</0>\":\"<0>Save money</0>\",\"<0>Take online and physical payments</0>\":\"<0>Take online and physical payments</0>\",\"A month ago\":\"A month ago\",\"A week ago\":\"A week ago\",\"API Reference\":\"API Reference\",\"About us\":\"About us\",\"Absolutely. Compliance requirements and security considerations are crucial when\\n          implementing an integrated payment solution. Make sure the solution adheres to\\n          relevant industry standards, such as PCI-DSS (Payment Card Industry Data\\n          Security Standard), to protect sensitive customer payment data.\":\"Absolutely. Compliance requirements and security considerations are crucial when\\n          implementing an integrated payment solution. Make sure the solution adheres to\\n          relevant industry standards, such as PCI-DSS (Payment Card Industry Data\\n          Security Standard), to protect sensitive customer payment data.\",\"Absolutely. Compliance requirements and security considerations are crucial when implementing an integrated payment solution. Make sure the solution adheres to relevant industry standards, such as PCI-DSS (Payment Card Industry Data Security Standard), to protect sensitive customer payment data.\":\"Absolutely. Compliance requirements and security considerations are crucial when implementing an integrated payment solution. Make sure the solution adheres to relevant industry standards, such as PCI-DSS (Payment Card Industry Data Security Standard), to protect sensitive customer payment data.\",\"Acquirer Routing Engine\":\"Acquirer Routing Engine\",\"Affiliate program\":\"Affiliate program\",\"All Features + Integrations\":\"All Features + Integrations\",\"Amount\":\"Amount\",\"Apple Pay\":\"Apple Pay\",\"Apple Pay for PrestaShop\":\"Apple Pay for PrestaShop\",\"Apple Pay for Shopify\":\"Apple Pay for Shopify\",\"Apple Pay for Wix\":\"Apple Pay for Wix\",\"Apple Pay for WooCommerce\":\"Apple Pay for WooCommerce\",\"Are there any compliance requirements or security considerations I should be aware of?\":\"Are there any compliance requirements or security considerations I should be aware of?\",\"As your users sell more, their transaction <2>fees will decrease</2> in real-time and for in-person payments, <5>MONEI's physical payments solution</5> is 50% cheaper than a traditional POS\":\"As your users sell more, their transaction <2>fees will decrease</2> in real-time and for in-person payments, <5>MONEI's physical payments solution</5> is 50% cheaper than a traditional POS\",\"At MONEI, we provide customer support and technical assistance to help you  \\n          during the integration process and resolve any issues that may arise. This can  \\n          include documentation, developer resources, dedicated support channels, and  \\n          sometimes even on-site assistance depending on the specific service level  \\n          agreement (SLA) in place. We also handle KYC, <BlogLink slug=\\\"payment-platform-onboarding\\\">onboarding</BlogLink>, and payment security  \\n          and compliance for you.\":\"At MONEI, we provide customer support and technical assistance to help you  \\n          during the integration process and resolve any issues that may arise. This can  \\n          include documentation, developer resources, dedicated support channels, and  \\n          sometimes even on-site assistance depending on the specific service level  \\n          agreement (SLA) in place. We also handle KYC, <BlogLink slug=\\\"payment-platform-onboarding\\\">onboarding</BlogLink>, and payment security  \\n          and compliance for you.\",\"At MONEI, we provide customer support and technical assistance to help you during the integration process and resolve any issues that may arise. This can include documentation, developer resources, dedicated support channels, and sometimes even on-site assistance depending on the specific service level agreement (SLA) in place. We also handle KYC,<1>onboarding</1>, and payment security and compliance for you.\":\"At MONEI, we provide customer support and technical assistance to help you during the integration process and resolve any issues that may arise. This can include documentation, developer resources, dedicated support channels, and sometimes even on-site assistance depending on the specific service level agreement (SLA) in place. We also handle KYC,<1>onboarding</1>, and payment security and compliance for you.\",\"BETA\":\"BETA\",\"Bancontact\":\"Bancontact\",\"Become a MONEI Affiliate\":\"Become a MONEI Affiliate\",\"Benefits\":\"Benefits\",\"Billed to\":\"Billed to\",\"Bizum\":\"Bizum\",\"Bizum for PrestaShop\":\"Bizum for PrestaShop\",\"Bizum for Shopify\":\"Bizum for Shopify\",\"Bizum for Wix\":\"Bizum for Wix\",\"Bizum for WooCommerce\":\"Bizum for WooCommerce\",\"Blog\":\"Blog\",\"Bono Cultural\":\"Bono Cultural\",\"Chargebacks\":\"Chargebacks\",\"Click to Pay\":\"Click to Pay\",\"Company\":\"Company\",\"Compare Payment Gateways\":\"Compare Payment Gateways\",\"Compatible with\":\"Compatible with\",\"Complaint Channel\":\"Complaint Channel\",\"Contact\":\"Contact\",\"Contact Sales\":\"Contact Sales\",\"Contact sales now to tell us more about your business and payment needs.\":\"Contact sales now to tell us more about your business and payment needs.\",\"Credit Card\":\"Credit Card\",\"Credit cards\":\"Credit cards\",\"Custom Checkout\":\"Custom Checkout\",\"Custom domain\":\"Custom domain\",\"Daily Fee\":\"Daily Fee\",\"Dashboard\":\"Dashboard\",\"Dashboard Users\":\"Dashboard Users\",\"Date\":\"Date\",\"Dental Practice Payments\":\"Dental Practice Payments\",\"Developers\":\"Developers\",\"Docs\":\"Docs\",\"Documentation\":\"Documentation\",\"Don’t worry about fraud and transaction security issues, MONEI is <2>PCI DSS Level 1</2> compliant — we’ll take care of payment security for you\":\"Don’t worry about fraud and transaction security issues, MONEI is <2>PCI DSS Level 1</2> compliant — we’ll take care of payment security for you\",\"E-commerce platforms\":\"E-commerce platforms\",\"Earn a revenue share\":\"Earn a revenue share\",\"Email\":\"Email\",\"Features\":\"Features\",\"First name\":\"First name\",\"Food Truck POS System\":\"Food Truck POS System\",\"Food Truck Payments\":\"Food Truck Payments\",\"Four months ago\":\"Four months ago\",\"Freelancer Payments\":\"Freelancer Payments\",\"Fully 3D Secure\":\"Fully 3D Secure\",\"Fully PCI Level1 Compliant Card Vaulting\":\"Fully PCI Level1 Compliant Card Vaulting\",\"Get started today with the best integrated payments solution for your platform or marketplace\":\"Get started today with the best integrated payments solution for your platform or marketplace\",\"Get the MONEI Pay app for easy payments on the go\":\"Get the MONEI Pay app for easy payments on the go\",\"Getting started\":\"Getting started\",\"Glossary\":\"Glossary\",\"Go to Docs\":\"Go to Docs\",\"Google Pay\":\"Google Pay\",\"Google Pay for PrestaShop\":\"Google Pay for PrestaShop\",\"Google Pay for Shopify\":\"Google Pay for Shopify\",\"Google Pay for Wix\":\"Google Pay for Wix\",\"Google Pay for WooCommerce\":\"Google Pay for WooCommerce\",\"Grow your e-commerce business with MONEI’s payment gateway: Dynamic pricing. More payment methods. E-commerce platform or custom website integration. Join »\":\"Grow your e-commerce business with MONEI’s payment gateway: Dynamic pricing. More payment methods. E-commerce platform or custom website integration. Join »\",\"Hair Salon Payments\":\"Hair Salon Payments\",\"Help your platform or marketplace users accept the widest range of payment methods from <2>credit cards</2> to <5>Apple Pay</5>, <8>Google Pay</8>, <11>Bizum</11>, and more <14>local payment methods</14>\":\"Help your platform or marketplace users accept the widest range of payment methods from <2>credit cards</2> to <5>Apple Pay</5>, <8>Google Pay</8>, <11>Bizum</11>, and more <14>local payment methods</14>\",\"Help your users accept more payment methods\":\"Help your users accept more payment methods\",\"Help your users grow their businesses\":\"Help your users grow their businesses\",\"High Priority Support (Dedicated Slack Channel)\":\"High Priority Support (Dedicated Slack Channel)\",\"Highly recommended\":\"Highly recommended\",\"Home\":\"Home\",\"Honei is a platform in Spain that helps restaurants accept orders and payments\\n          via QR codes. By using MONEI Connect as an integrated payments partner, Honei\\n          can let its users accept all the payment methods MONEI supports without having\\n          to deal with the development, compliance, and KYC. It’s all handled by MONEI.\\n          More platforms that use MONEI Connect for integrated payments are Glop,\\n          Qamarero, Nuve, and Taxitronic.\":\"Honei is a platform in Spain that helps restaurants accept orders and payments\\n          via QR codes. By using MONEI Connect as an integrated payments partner, Honei\\n          can let its users accept all the payment methods MONEI supports without having\\n          to deal with the development, compliance, and KYC. It’s all handled by MONEI.\\n          More platforms that use MONEI Connect for integrated payments are Glop,\\n          Qamarero, Nuve, and Taxitronic.\",\"Honei is a platform in Spain that helps restaurants accept orders and payments via QR codes. By using MONEI Connect as an integrated payments partner, Honei can let its users accept all the payment methods MONEI supports without having to deal with the development, compliance, and KYC. It’s all handled by MONEI. More platforms that use MONEI Connect for integrated payments are Glop, Qamarero, Nuve, and Taxitronic.\":\"Honei is a platform in Spain that helps restaurants accept orders and payments via QR codes. By using MONEI Connect as an integrated payments partner, Honei can let its users accept all the payment methods MONEI supports without having to deal with the development, compliance, and KYC. It’s all handled by MONEI. More platforms that use MONEI Connect for integrated payments are Glop, Qamarero, Nuve, and Taxitronic.\",\"Hosted Payment Page\":\"Hosted Payment Page\",\"How long does it take to integrate an integrated payment solution into my platform or marketplace?\":\"How long does it take to integrate an integrated payment solution into my platform or marketplace?\",\"I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.\":\"I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.\",\"I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it\":\"I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it\",\"I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!\":\"I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!\",\"Integrated Payment Solutions for Platforms and Marketplaces\":\"Integrated Payment Solutions for Platforms and Marketplaces\",\"Integrated payment solutions FAQ\":\"Integrated payment solutions FAQ\",\"Integrated payment solutions for your platform or marketplace\":\"Integrated payment solutions for your platform or marketplace\",\"Integrated payment solutions help streamline and automate the payment acceptance process. It’s a payment system that communicates with the other software your business uses, making the payment integration for each platform or marketplace unique.\":\"Integrated payment solutions help streamline and automate the payment acceptance process. It’s a payment system that communicates with the other software your business uses, making the payment integration for each platform or marketplace unique.\",\"Integrations\":\"Integrations\",\"Interchange Fee Calculator\":\"Interchange Fee Calculator\",\"Join our monthly newsletter\":\"Join our monthly newsletter\",\"Klarna\":\"Klarna\",\"Labs\":\"Labs\",\"Last name\":\"Last name\",\"Last published posts\":\"Last published posts\",\"Legal\":\"Legal\",\"Legal Billing Software\":\"Legal Billing Software\",\"Legal Notice\":\"Legal Notice\",\"Let users accept payments online via a <2>customizable payment page</2> and in person from their phone or tablet, using <6>QR codes</6> or <9>payment requests</9>\":\"Let users accept payments online via a <2>customizable payment page</2> and in person from their phone or tablet, using <6>QR codes</6> or <9>payment requests</9>\",\"Leverage MONEI's billing system to charge your users/merchants for additional services\":\"Leverage MONEI's billing system to charge your users/merchants for additional services\",\"Looking for an integrated payment partner for your platform or marketplace? Build payment experiences without the high development costs. Get MONEI Connect ››\":\"Looking for an integrated payment partner for your platform or marketplace? Build payment experiences without the high development costs. Get MONEI Connect ››\",\"MONEI DIGITAL PAYMENTS SL - ESB02660926 Palestina, 1, Entreplanta, 29007, Málaga, Spain BORME Registry Details: Registro Mercantil de MÁLAGA T 5998, L 4905, F 54, S 8,H MA158775, I/A 1 (14.01.21). MONEI is a Swift member with BIC number: MONIES2M. MONEI is a member of the European Payments Council under the SRTP group. MONEI stores funds from merchants in omnibus (safeguard) accounts controlled by fully regulated financial institutions.\":\"MONEI DIGITAL PAYMENTS SL - ESB02660926 Palestina, 1, Entreplanta, 29007, Málaga, Spain BORME Registry Details: Registro Mercantil de MÁLAGA T 5998, L 4905, F 54, S 8,H MA158775, I/A 1 (14.01.21). MONEI is a Swift member with BIC number: MONIES2M. MONEI is a member of the European Payments Council under the SRTP group. MONEI stores funds from merchants in omnibus (safeguard) accounts controlled by fully regulated financial institutions.\",\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\":\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\",\"MONEI DIGITAL PAYMENTS SL is the controller of your personal data, the purpose and legal basis of which is to manage your request and, where applicable, to execute the contractual relationship. You will also receive emails about MONEI's activity, unless you have checked the objection box. You may exercise your rights of access, rectification, deletion, opposition, limitation and portability by post to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <4>Privacy Policy</4>.\":\"MONEI DIGITAL PAYMENTS SL is the controller of your personal data, the purpose and legal basis of which is to manage your request and, where applicable, to execute the contractual relationship. You will also receive emails about MONEI's activity, unless you have checked the objection box. You may exercise your rights of access, rectification, deletion, opposition, limitation and portability by post to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <4>Privacy Policy</4>.\",\"MONEI Experts\":\"MONEI Experts\",\"MONEI handles the <2>Know Your Customer (KYC)</2> and payout processes so you can onboard more users, faster, and spend time on sales instead of settlements\":\"MONEI handles the <2>Know Your Customer (KYC)</2> and payout processes so you can onboard more users, faster, and spend time on sales instead of settlements\",\"MONEI monthly\":\"MONEI monthly\",\"Make fewer errors\":\"Make fewer errors\",\"Monei Pay Video\":\"Monei Pay Video\",\"Monthly newsletter\":\"Monthly newsletter\",\"Multibanco\":\"Multibanco\",\"Network Tokenization\":\"Network Tokenization\",\"New product and feature announcements\":\"New product and feature announcements\",\"Omnichannel payments\":\"Omnichannel payments\",\"Online payments\":\"Online payments\",\"Open an Account\":\"Open an Account\",\"Order ID\":\"Order ID\",\"Order from [Your Brand]\":\"Order from [Your Brand]\",\"PCI DSS Level 1\":\"PCI DSS Level 1\",\"POS System for hair and beauty salons\":\"POS System for hair and beauty salons\",\"POS for Freelancers\":\"POS for Freelancers\",\"Page not found!\":\"Page not found!\",\"Partners\":\"Partners\",\"Pay by Link\":\"Pay by Link\",\"Pay €\":\"Pay €\",\"PayPal\":\"PayPal\",\"Payment Gateway\":\"Payment Gateway\",\"Payment Methods\":\"Payment Methods\",\"Payment methods\":\"Payment methods\",\"Payments Orchestration\":\"Payments Orchestration\",\"Payments orchestration\":\"Payments orchestration\",\"Paypal for PrestaShop\":\"Paypal for PrestaShop\",\"Paypal for Shopify\":\"Paypal for Shopify\",\"Paypal for Wix\":\"Paypal for Wix\",\"Paypal for WooCommerce\":\"Paypal for WooCommerce\",\"Periodic reminder\":\"Periodic reminder\",\"Physical payments\":\"Physical payments\",\"Press\":\"Press\",\"Pricing\":\"Pricing\",\"Privacy Policy\":\"Privacy Policy\",\"Product\":\"Product\",\"Products\":\"Products\",\"Proprietary MPI Server\":\"Proprietary MPI Server\",\"QR Code Payment for Restaurants\":\"QR Code Payment for Restaurants\",\"QR Code Payments\":\"QR Code Payments\",\"QR Payments\":\"QR Payments\",\"Quickly and easily integrate payments into your business platform or marketplace with <1>MONEI Connect</1>. Build and scale end-to-end payment experiences with a simple payment partner API. Save time and money with built-in onboarding, fully-managed KYC, and payments compliance and security. Get the best integrated payment solution for platforms and marketplaces — join MONEI.\":\"Quickly and easily integrate payments into your business platform or marketplace with <1>MONEI Connect</1>. Build and scale end-to-end payment experiences with a simple payment partner API. Save time and money with built-in onboarding, fully-managed KYC, and payments compliance and security. Get the best integrated payment solution for platforms and marketplaces — join MONEI.\",\"Read more\":\"Read more\",\"Recurring Payments\":\"Recurring Payments\",\"Recurring payments\":\"Recurring payments\",\"Refunds\":\"Refunds\",\"Resources\":\"Resources\",\"Restaurant Payments\":\"Restaurant Payments\",\"Retail & In-Store Payments\":\"Retail & In-Store Payments\",\"Retail POS System\":\"Retail POS System\",\"SEPA Direct Debit\":\"SEPA Direct Debit\",\"SEPA Request-to-Pay\":\"SEPA Request-to-Pay\",\"SOFORT\":\"SOFORT\",\"Save time and money developing your own payments solution\":\"Save time and money developing your own payments solution\",\"Save time and money on development by integrating with a single payment system that’s built to scale — add payments to your platform/marketplace or white label our payment solution and charge a fee\":\"Save time and money on development by integrating with a single payment system that’s built to scale — add payments to your platform/marketplace or white label our payment solution and charge a fee\",\"Scheme tokenization + Card updater\":\"Scheme tokenization + Card updater\",\"Seamlessly let your users accept payments\":\"Seamlessly let your users accept payments\",\"Service-level Agreement\":\"Service-level Agreement\",\"Settlement\":\"Settlement\",\"Setup Fee\":\"Setup Fee\",\"Skip dealing with payment compliance\":\"Skip dealing with payment compliance\",\"Smart Transaction Routing & Cascading\":\"Smart Transaction Routing & Cascading\",\"Stay in the loop when we launch new products and features, including more payment methods.\":\"Stay in the loop when we launch new products and features, including more payment methods.\",\"Still here?\":\"Still here?\",\"Subscribe\":\"Subscribe\",\"Subscribe to get latest news, e-commerce tips, and helpful resources from around the web.\":\"Subscribe to get latest news, e-commerce tips, and helpful resources from around the web.\",\"Subscription Payment Service\":\"Subscription Payment Service\",\"Subscription engine\":\"Subscription engine\",\"Subscriptions\":\"Subscriptions\",\"Super intuitive and easy to use\":\"Super intuitive and easy to use\",\"Support\":\"Support\",\"Support and Claims\":\"Support and Claims\",\"Taxi POS\":\"Taxi POS\",\"Taxi Payments\":\"Taxi Payments\",\"Thank you! We will keep in touch.\":\"Thank you! We will keep in touch.\",\"The best online payment aggregate out there\":\"The best online payment aggregate out there\",\"The project \\\"Development of an open, pan-European and secure digital payment technology\\\" has been subsidized by the CDTI.\":\"The project \\\"Development of an open, pan-European and secure digital payment technology\\\" has been subsidized by the CDTI.\",\"The time required for integration depends on various factors, including the\\n          complexity of your platform, the chosen payment solution, and the availability\\n          of developer resources. Generally, well-documented APIs and developer-friendly\\n          tools provided by integrated payment solutions (like MONEI Connect) can expedite\\n          the integration process.\":\"The time required for integration depends on various factors, including the\\n          complexity of your platform, the chosen payment solution, and the availability\\n          of developer resources. Generally, well-documented APIs and developer-friendly\\n          tools provided by integrated payment solutions (like MONEI Connect) can expedite\\n          the integration process.\",\"The time required for integration depends on various factors, including the complexity of your platform, the chosen payment solution, and the availability of developer resources. Generally, well-documented APIs and developer-friendly tools provided by integrated payment solutions (like MONEI Connect) can expedite the integration process.\":\"The time required for integration depends on various factors, including the complexity of your platform, the chosen payment solution, and the availability of developer resources. Generally, well-documented APIs and developer-friendly tools provided by integrated payment solutions (like MONEI Connect) can expedite the integration process.\",\"Three months ago\":\"Three months ago\",\"Trusted by\":\"Trusted by\",\"Try MONEI now!\":\"Try MONEI now!\",\"Try MONEI right now\":\"Try MONEI right now\",\"Two months ago\":\"Two months ago\",\"Two weeks ago\":\"Two weeks ago\",\"Unlimited API Access\":\"Unlimited API Access\",\"Use Cases\":\"Use Cases\",\"Use MONEI’s plugins and APIs to accept more payment methods and increase sales online and in-person — all from a single payment platform.\":\"Use MONEI’s plugins and APIs to accept more payment methods and increase sales online and in-person — all from a single payment platform.\",\"Use cases\":\"Use cases\",\"Use the Payment Partner Integration API\":\"Use the Payment Partner Integration API\",\"Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!\":\"Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!\",\"Vew all payment methods\":\"Vew all payment methods\",\"Visa-Mastercard for PrestaShop\":\"Visa-Mastercard for PrestaShop\",\"Visa-Mastercard for Shopify\":\"Visa-Mastercard for Shopify\",\"Visa-Mastercard for Wix\":\"Visa-Mastercard for Wix\",\"Visa-Mastercard for WooCommerce\":\"Visa-Mastercard for WooCommerce\",\"We are hiring!\":\"We are hiring!\",\"We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers.\\nThe commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you\":\"We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers.\\nThe commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you\",\"We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.\":\"We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.\",\"What MONEI merchants are saying\":\"What MONEI merchants are saying\",\"What are integrated payments?\":\"What are integrated payments?\",\"What are the main benefits of integrated payment solutions for platforms and marketplaces via MONEI Connect?\":\"What are the main benefits of integrated payment solutions for platforms and marketplaces via MONEI Connect?\",\"What kind of customer support or technical assistance is provided with integrated payment solutions?\":\"What kind of customer support or technical assistance is provided with integrated payment solutions?\",\"WhatsApp payments\":\"WhatsApp payments\",\"What’s an example of integrated payments?\":\"What’s an example of integrated payments?\",\"Whether your users sell online or in person, quickly integrate with MONEI Connect to help them accept <2>more payment methods</2>.\":\"Whether your users sell online or in person, quickly integrate with MONEI Connect to help them accept <2>more payment methods</2>.\",\"Write a review\":\"Write a review\",\"You will periodically receive reminders about your application status.\":\"You will periodically receive reminders about your application status.\",\"You will receive a monthly newsletter with the latest blog articles, payment insights and trends, expert business tips, and MONEI news.\":\"You will receive a monthly newsletter with the latest blog articles, payment insights and trends, expert business tips, and MONEI news.\",\"Your name\":\"Your name\",\"cards\":\"cards\",\"email is required\":\"email is required\",\"iDEAL\":\"iDEAL\",\"reviews\":\"reviews\",\"selling.description\":\"With MONEI, we set out to redefine our understanding of e-commerce. With child-like simplicity, military grade security and speed of a superhero, we made it the best experience possible for our merchants.\",\"should be a valid email\":\"should be a valid email\",\"¿Cuáles son los principales beneficios de las soluciones de pago integradas para plataformas y marketplaces a través de MONEI Connect?\":\"¿Cuáles son los principales beneficios de las soluciones de pago integradas para plataformas y marketplaces a través de MONEI Connect?\",\"🚀 Best Payment Platform for Business Growth\":\"🚀 Best Payment Platform for Business Growth\"}","language":"en"}}]},"prismic":{"allCategorys":{"edges":[{"node":{"title":"E-Commerce Tips","_meta":{"uid":"e-commerce-tips","lang":"en-gb"},"order":2}},{"node":{"title":"MONEI News","_meta":{"uid":"monei-news","lang":"en-gb"},"order":4}},{"node":{"title":"Retail Tips","_meta":{"uid":"retail-tips","lang":"en-gb"},"order":3}},{"node":{"title":"Payments Technology","_meta":{"uid":"payments-technology","lang":"en-gb"},"order":1}}]},"post":{"title":[{"type":"heading1","text":"PSD3 and PSR: what merchants and marketplaces need to know","spans":[],"direction":"ltr"}],"meta_title":[{"type":"heading1","text":"PSD3 and PSR: what merchants and marketplaces need to know","spans":[],"direction":"ltr"}],"body":[{"type":"paragraph","text":"European payment rules are changing, and if you accept payments online, run a marketplace, or use a payment service provider, this affects you. The Third Payment Services Directive (PSD3) and its companion regulation, the Payment Services Regulation (PSR), represent the most significant overhaul of EU payments law since PSD2 came into force in 2018.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"After years in the making, a political agreement was reached in November 2025. Formal adoption is now underway, with PSR expected to enter into force in mid-2026. The first obligations—covering SCA, fraud detection, and open banking—take effect from late 2027. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"That window is shorter than it sounds: platforms restructuring payment models, PSPs rebuilding fraud infrastructure, and businesses reviewing contracts all need lead time. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"In this article, you’ll find answers to the following questions:  ","spans":[{"start":0,"end":66,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"What are PSD3 and PSR?","spans":[{"start":0,"end":22,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd3-psr/#what-are-psd3-and-psr","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"What's changing for merchants and marketplaces?","spans":[{"start":0,"end":47,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd3-psr/#whats-changing-for-merchants-and-marketplaces","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"When does PSD3/PSR take effect?","spans":[{"start":0,"end":31,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd3-psr/#when-does-psd3/psr-take-effect","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"What should merchants do now?","spans":[{"start":0,"end":29,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd3-psr/#what-should-merchants-do-now","target":"_blank"}}],"direction":"ltr"},{"type":"heading2","text":"What are PSD3 and PSR?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"PSD3 and PSR are two pieces of EU legislation that work together to replace and update PSD2. While they're often mentioned synonymously, they do different jobs. ","spans":[{"start":87,"end":91,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd2/","target":"_self"}}],"direction":"ltr"},{"type":"heading3","text":"PSD3 ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The Third Payment Services Directive updates the rules around licensing and supervision for payment service providers. Like PSD2, it's a directive, which means EU member states must transpose it into their national laws. Member states have 18 months to do so once the directive is formally adopted.","spans":[{"start":4,"end":36,"type":"strong"}],"direction":"ltr"},{"type":"heading3","text":"PSR ","spans":[{"start":3,"end":4,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"The Payment Services Regulation is the newer and arguably more important piece of the package. As a regulation—not a directive—it applies directly across all 27 EU member states the moment it enters into force, with no national transposition needed. This means the same rules, with the same wording, apply simultaneously everywhere in the EU.","spans":[{"start":4,"end":31,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"That distinction is why the PSR exists. One of PSD2's biggest failures was that each member state interpreted the rules slightly differently, creating regulatory fragmentation and an uneven playing field for businesses. The PSR fixes that by removing the interpretation layer entirely.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Together, PSD3 and PSR address three structural weaknesses that PSD2 left unresolved: ","spans":[],"direction":"ltr"},{"type":"list-item","text":"its inability to keep pace with modern payment fraud, ","spans":[],"direction":"ltr"},{"type":"list-item","text":"the underperformance of open banking due to poor API quality, ","spans":[],"direction":"ltr"},{"type":"list-item","text":"and the inconsistency in how rules were applied across borders.","spans":[],"direction":"ltr"},{"type":"heading2","text":"What's changing for merchants and marketplaces?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Six areas are changing under PSD3 and PSR. Here's what each means in practice.","spans":[],"direction":"ltr"},{"type":"heading3","text":"1. Fraud detection and liability","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Payment service providers are now financially liable when their fraud detection systems fail. This includes a new category: if a customer is defrauded by someone impersonating the PSP itself, the provider bears responsibility for the loss. For merchants and platforms, this means the quality of your PSP's fraud infrastructure directly affects your exposure—not just theirs.","spans":[{"start":0,"end":25,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-a-psp/","target":"_self"}}],"direction":"ltr"},{"type":"paragraph","text":"Providers must also actively share fraud intelligence with other financial institutions and maintain internal fraud training programs. The era of treating fraud as an acceptable operational cost is ending.","spans":[],"direction":"ltr"},{"type":"heading3","text":"2. Strong Customer Authentication","spans":[],"direction":"ltr"},{"type":"paragraph","text":"SCA was introduced under PSD2, but PSR substantially expands its scope. Where PSD2 applied SCA primarily to card payments and online transactions, PSR extends it to logins, changes to beneficiary lists, mandate setup, and device recovery. When a user activates a payment app on a new device while an account is already active, PSR requires two-step verification, a notification to the customer’s registered phone or email, and a 4-hour waiting period—giving consumers time to act if credentials have been stolen.","spans":[{"start":0,"end":3,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/sca/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"SCA exemptions for low-risk transactions continue, but the bar is higher. Behavioral biometrics like typing patterns, device usage, and navigation signals are now formally recognized as valid authentication factors, opening the door to frictionless authentication for low-risk sessions without sacrificing security.","spans":[],"direction":"ltr"},{"type":"heading3","text":"3. IBAN and name verification","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Before processing any transfer, the payer's bank must automatically verify that the recipient's name matches the account number. A mismatch triggers an alert and lets the payer cancel. This closes a common fraud vector where attackers swap out beneficiary account details mid-process. For businesses that send or receive bank transfers, this happens at the infrastructure level. There’s no action required on your end, but it’s worth understanding.","spans":[],"direction":"ltr"},{"type":"heading3","text":"4. Open banking","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Banks will be required to provide standardized, high-performance APIs to third-party providers on the same terms as their own internal systems. Under PSD2, banks technically complied while building APIs that were slow, unreliable, or quietly obstructed in practice. PSR explicitly prohibits this. The result is more reliable bank payment integrations and fewer obstacles for providers accessing account data on your customers' behalf.","spans":[],"direction":"ltr"},{"type":"heading3","text":"5. The commercial agent exemption","spans":[],"direction":"ltr"},{"type":"paragraph","text":"This is the change most relevant to platforms and marketplace operators. Under PSD2, some businesses handled payment flows without a payment license by arguing they acted purely as agents for buyers or sellers. PSD3 significantly narrows this exemption. E-commerce platforms that act as agents for both buyers and sellers are explicitly excluded.\nIf your marketplace handles funds or splits payments between multiple parties under the commercial agent exemption, you will likely need to restructure or partner with a licensed payment service provider to handle that flow on your behalf. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"MONEI Connect is built for this. It lets platforms and marketplaces accept payments, split funds, and manage payouts without needing their own license.","spans":[{"start":0,"end":13,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/connect/","target":"_blank"}}],"direction":"ltr"},{"type":"heading3","text":"6. Small merchant protections","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Merchants with fewer than 10 employees and annual turnover under €2 million are likely to gain the same legal protections as individual consumers under PSD3. Payment service providers will be required to extend the transparency and information obligations that were previously reserved for consumers to this segment. If you fall into this category, expect your contract terms with payment providers to be updated before the rules take effect.","spans":[],"direction":"ltr"},{"type":"heading2","text":"\nWhen does PSD3/PSR take effect?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The legislative process has moved faster than earlier timelines suggested. As of 2026, the framework has passed political agreement and is in the final stages of formal adoption.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/aiFbuweQX7-eWujQ_psd3_psr_timeline-1-.png?auto=format,compress","alt":null,"copyright":null,"dimensions":{"width":2720,"height":640}},{"type":"paragraph","text":"The key distinction to understand is that PSR is a regulation, so its core operational rules—SCA, fraud liability, IBAN name verification, and open banking APIs—apply directly across the EU once it is in force, without waiting for national legislation. PSD3, as a directive, requires each member state to transpose it into national law, extending the full compliance window into 2027 and 2028.","spans":[{"start":115,"end":119,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-an-iban-number/","target":"_self"}}],"direction":"ltr"},{"type":"paragraph","text":"In practice, the changes most relevant to merchants and platforms arrive with the first PSR obligations in the second half of 2027—well before PSD3 is fully implemented everywhere.","spans":[],"direction":"ltr"},{"type":"heading2","text":"What should merchants do now?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Most of the compliance work falls on your payment provider, not on you. If you're processing through MONEI, SCA authentication, fraud detection, IBAN name verification, and open banking API standards are handled at the infrastructure level. You don't need to track regulatory updates or make changes to your integration as PSR obligations come into force.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"But there are three things worth reviewing on your end: ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"1. If you're a small merchant (fewer than 10 employees, under €2M annual turnover), read your current payment provider contract before the rules take effect. You're likely gaining consumer-equivalent protections for transparency, fees, and dispute resolution, and it's worth knowing what to expect in your updated terms.","spans":[{"start":0,"end":29,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"2. If you accept digital wallets or saved payment methods, check that your checkout flow handles the new device activation requirements. PSR mandates a 4-hour delay and two-step verification when a payment app is activated on a new device. A compliant PSP manages this automatically. \n3. If you operate a marketplace, review whether your payment model relies on the commercial agent exemption. If it does, start that conversation now—PSD3's national transposition deadline runs through 2028, but restructuring a payment model takes time.","spans":[{"start":0,"end":57,"type":"strong"},{"start":285,"end":316,"type":"strong"}],"direction":"ltr"},{"type":"heading2","text":"How MONEI keeps your business compliant","spans":[],"direction":"ltr"},{"type":"paragraph","text":"MONEI is an EU-licensed payment service provider regulated by the Bank of Spain. When PSR obligations take effect, the compliance work happens on our side—SCA authentication, fraud detection, IBAN name verification, and open banking API standards are built into the infrastructure your payments already run on. You don't need to monitor the regulatory calendar or update your integration.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"For platforms and marketplaces navigating the narrowed commercial agent exemption, MONEI Connect provides licensed payment infrastructure—including KYC, payouts, and fund splitting—without requiring your platform to hold its own payment license.","spans":[{"start":83,"end":96,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/connect/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"MONEI is also PCI DSS Level 1-certified, the highest standard for payment security, so sensitive card data never touches your systems.\nIf you're not yet processing payments through MONEI’s payment gateway, get in touch to talk through your setup before the first PSR deadline arrives.\n","spans":[{"start":14,"end":39,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/pci-dss/","target":"_blank"}},{"start":66,"end":82,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/page/payment-security/","target":"_blank"}},{"start":189,"end":204,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-gateway/","target":"_blank"}},{"start":206,"end":218,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/contact-sales","target":"_blank"}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/6582bc7b531ac2845a26ce6d_Blog_CTA_EN.webp?auto=format,compress","alt":null,"copyright":null,"dimensions":{"width":2502,"height":848},"linkTo":{"link_type":"Web","url":"https://dashboard.monei.com/?action=signUp&utm_source=MONEI+Blog+%28EN%29&utm_medium=CTA&utm_campaign=psd3+psr"}},{"type":"paragraph","text":"\n","spans":[],"direction":"ltr"}],"cta":null,"summary":[{"type":"paragraph","text":"PSD3 and the PSR are the biggest overhaul to European payment rules since 2018. Here's what merchants and marketplaces need to know—and do—before the rules kick in.","spans":[],"direction":"ltr"}],"image":{"dimensions":{"width":1248,"height":833},"alt":"padlock and credit cards on a keyboard","copyright":null,"url":"https://images.prismic.io/monei/aiFYEAeQX7-eWuhi_towfiqu-barbhuiya-FnA5pAzqhMM-unsplash-1-.jpg?auto=format,compress&rect=1,0,4590,3064&w=1248&h=833"},"image_source":null,"custom_html":null,"meta_description":[{"type":"paragraph","text":"PSD3 and the Payment Services Regulation (PSR) are reshaping European payments. Learn what's changing, when it takes effect, and how to prepare.","spans":[],"direction":"ltr"}],"category":"payments-technology","updated_at":null,"author_card":{"__typename":"PRISMIC_Author","author_name":[{"type":"heading3","text":"Alexis Damen ","spans":[]}],"author_description":[{"type":"paragraph","text":"Alexis Damen is a former Shopify merchant turned content marketer. Here, she breaks down complex topics about payments, e-commerce, and retail to help you succeed (with MONEI as your payments partner, of course).","spans":[],"direction":"ltr"}],"author_image":{"dimensions":{"width":1800,"height":2400},"alt":null,"copyright":null,"url":"https://images.prismic.io/monei/ZxkR3YF3NbkBX8MN_AlexisDamenProfile.JPG?auto=format,compress"},"_meta":{"uid":"alexis-damen"}},"_meta":{"uid":"psd3-psr","lang":"en-gb","alternateLanguages":[{"lang":"es-es"}],"firstPublicationDate":"2026-06-04T11:10:05+0000","tags":["Payment Security","Must Read","Payment Processing"]},"slice_zone":[{"__typename":"PRISMIC_PostSlice_zoneFaq_section","fields":[{"title":[{"type":"heading3","text":"What is the difference between PSD3 and PSR?","spans":[],"direction":"ltr"}],"text":[{"type":"paragraph","text":"PSR (Payment Services Regulation) is an EU regulation that applies directly and uniformly across all member states once it is in force, without requiring national legislation.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"PSD3 is a directive, meaning each country must transpose it into national law, a process expected to run through 2027 and 2028. PSR contains most of the operational rules merchants feel directly: SCA, fraud liability, and open banking standards.","spans":[],"direction":"ltr"}]},{"title":[{"type":"heading3","text":"When does PSR become mandatory?","spans":[],"direction":"ltr"}],"text":[{"type":"paragraph","text":"PSR is expected to enter into force in mid-2026, 20 days after publication in the EU Official Journal. However, it includes an 18- to 21-month transition period before its conduct rules become enforceable. The first PSR obligations, covering SCA, fraud detection, and open banking, are expected to apply from the second half of 2027. PSD3, as a directive, requires national transposition within 18 months of entry into force, with full implementation across EU member states expected by Q2/Q3 2028.","spans":[],"direction":"ltr"}]},{"title":[{"type":"heading3","text":"Does PSD3 apply to my business?","spans":[],"direction":"ltr"}],"text":[{"type":"paragraph","text":"If you accept payments from EU customers or process payments through an EU-regulated provider, parts of the framework apply to you. The rules most likely to affect merchants directly—SCA requirements and fraud liability—fall under PSR and apply before PSD3 is fully transposed.","spans":[],"direction":"ltr"}]},{"title":[{"type":"heading3","text":"What does PSD3 mean for Strong Customer Authentication?","spans":[],"direction":"ltr"}],"text":[{"type":"paragraph","text":"PSR expands SCA beyond card payments to cover account logins, changes to saved beneficiaries, mandate setup, and new device activation. Activating a payment app on a new device now requires two-step verification and a mandatory 4-hour waiting period.","spans":[{"start":12,"end":15,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/sca/","target":"_blank"}},{"start":23,"end":36,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/credit-cards/","target":"_self"}}],"direction":"ltr"}]}],"type":"faq_section","primary":{"faqs_description":null,"faqs_title":[{"type":"heading1","text":"Frequently asked questions about PSD3 and PSR","spans":[],"direction":"ltr"}]}}]},"prevArticle":{"title":[{"type":"heading1","text":"What is BNPL? 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