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The purpose of PSD2

 

The main objectives of the revised directive

PSD2, as transposed into Belgian law, aims to provide for the further development of an enhanced and integrated internal market for electronic payments within the EU. It provides an extensive framework for payment services, with the objective of making payments within the EU more secure and effective. It will provide greater protection for consumers by increasing security measures for electronic payments. It pursues to open payment markets to new entrants, by encouraging more competition, providing greater choice and competitive prices for consumers. Ultimately this lays the foundations needed to accelerate the build of an ecosystem that will support an integrated and efficient European payments market.

 

Core objectives

  • Provide for a single, efficient European payments market for retail payment transactions and contribute to an integrated and efficient European payments market, reducing market deficiencies, exemptions and creating the prerequisites for the digitisation of the payments industry
  • Improve the level playing field for all payment service providers and boost competition as well as build the foundation to provide equal opportunities to all payment service providers
  • Enhance & improve client protection & the security a of payments by increasing transparency, efficiency and security of retail payments
  • Reduce Total Cost of Ownership in the payments value chain, increasing competition, encouraging lower prices for clients and setting benchmarks

 

The KBC website also offers further information on PSD2.

 

Opening the market

What are Third Party Providers (TPPs)?

PSD2 and the Belgian law transposing PSD2 define the concepts of Account information service provider (AISP), Payment initiation service provider (PISP), Payment service provider issuing card-based payment instruments (CISP) or technical service provider (TSP). “Third party service provider (TPP)” is a more general term covering all third parties previously mentioned.
Who can act as a TPP? It can be for example a bank, financial software provider, retailer, telco, fintech. 

Acronym Term Definition
PSU Payment Service User Is a natural or legal person making use of a payment service as a payee, payer or both
ASPSP Account Servicing Payment Service Provider Provides and maintain a payment account for a payer
AISP Account Information Service Provider

Provides an account information service as an online service

Provide consolidated information on one or more payment accounts held by a payment service user with one or more payment service provider(s)
PISP Payment Initiation Service Provider

Provides a ‘payment initiation service’ being a service

Initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider
CBPII Card Based Payment Instrument Issuer
Is a payment service provider
That issues card-based payment instruments
That can be used to initiate a payment transaction from a payment account held with a third account servicing payment service provider

 

Availability and performance

Availability:

  • The uptime of all interfaces
  • The downtime of all interfaces (planned)
  • The downtime of all interfaces (unplanned)

Performance:

  • The time taken for the ASPSP to provide to the payment initiation service provider (PISP) all information on the initiation of the payment transaction
  • The time taken for the ASPSP to provide to the account information service provider (AISP) all payment related data
  • The time taken for the ASPSP to provide to the card based payment instrument issuer (CBPII) and PISP a yes/no message

Availability and performance statistics 

April 2023 - Dedicated Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)		 Downtime
 (%)		 AISP Response
millisecs		 PISP Response
millisecs		 CBPII Response
millisecs		 AIS Error
response rate		 PIS Error
response rate		 CBPII Error
response rate
01/04/2023 100 0 96 96 n/a 0.64% 0.05% n/a
02/04/2023 100 0 96 121 n/a 0.56% 0.00% n/a
03/04/2023 100 0 108 98 n/a 1.02% 0.03% n/a
04/04/2023 100 0 103 92 n/a 0.87% 0.02% n/a
05/04/2023 100 0 103 101 n/a 0.72% 0.03% n/a
06/04/2023 100 0 102 91 n/a 0.89% 0.03% n/a
07/04/2023 100 0 95 83 n/a 0.90% 0.01% n/a
08/04/2023 100 0 93 83 n/a 0.62% 0.03% n/a
09/04/2023 100 0 92 84 n/a 0.43% 0.02% n/a
10/04/2023 100 0 91 82 n/a 0.55% 0.01% n/a
11/04/2023 100 0 105 95 n/a 0.89% 0.03% n/a
12/04/2023 100 0 104 85 n/a 0.77% 0.00% n/a
13/04/2023 100 0 98 94 n/a 0.64% 0.02% n/a
14/04/2023 100 0 98 87 n/a 0.88% 0.04% n/a
15/04/2023 100 0 93 83 n/a 0.50% 0.01% n/a
16/04/2023 100 0 186 776 n/a 0.44% 0.46% n/a
17/04/2023 100 0 100 85 n/a 0.79% 0.00% n/a
18/04/2023 100 0 99 88 n/a 0.66% 0.00% n/a
19/04/2023 100 0 100 89 n/a 0.70% 0.00% n/a
20/04/2023 100 0 101 92 n/a 0.82% 0.00% n/a
21/04/2023 100 0 102 92 n/a 0.77% 0.01% n/a
22/04/2023 100 0 95 89 n/a 0.64% 0.05% n/a
23/04/2023 100 0 95 85 n/a 0.58% 0.03% n/a
24/04/2023 100 0 101 87 n/a 0.88% 0.00% n/a
25/04/2023 100 0 99 80 n/a 1.03% 0.04% n/a
26/04/2023 100 0 101 100 n/a 0.87% 0.00% n/a
27/04/2023 100 0 100 81 n/a 0.92% 0.07% n/a
28/04/2023 100 0 99 85 n/a 0.97% 0.03% n/a
29/04/2023 100 0 95 88 n/a 0.64% 0.05% n/a
30/04/2023 100 0 106 88 n/a 0.41% 0.04% n/a

 

April 2023 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)		 Downtime
 (%)		 Mobile Interface
millisecs		 Browser Interface
millisecs		 Mobile Error
response rate		 Browser Error
response rate
01/04/2023 99.99 0.01 829 854 0.01% 0.00%
02/04/2023 99.99 0.01 714 872 0.01% 0.00%
03/04/2023 99.99 0.01 863 982 0.01% 0.00%
04/04/2023 99.99 0.01 868 905 0.01% 0.00%
05/04/2023 99.99 0.01 632 929 0.01% 0.00%
06/04/2023 99.99 0.01 754 934 0.01% 0.00%
07/04/2023 99.99 0.01 729 881 0.01% 0.00%
08/04/2023 99.99 0.01 586 877 0.00% 0.00%
09/04/2023 99.99 0.01 653 832 0.01% 0.00%
10/04/2023 99.99 0.01 633 836 0.01% 0.00%
11/04/2023 99.99 0.01 15301 962 0.01% 0.00%
12/04/2023 99.99 0.01 759 898 0.01% 0.00%
13/04/2023 99.99 0.01 655 878 0.01% 0.00%
14/04/2023 99.99 0.01 704 866 0.01% 0.00%
15/04/2023 99.99 0.01 635 835 0.01% 0.00%
16/04/2023 99.99 0.01 940 839 0.01% 0.00%
17/04/2023 99.99 0.01 668 895 0.01% 0.00%
18/04/2023 99.99 0.01 659 879 0.01% 0.00%
19/04/2023 99.99 0.01 2133 860 0.01% 0.00%
20/04/2023 99.99 0.01 630 894 0.01% 0.00%
21/04/2023 99.99 0.01 644 887 0.01% 0.00%
22/04/2023 99.99 0.01 681 880 0.01% 0.00%
23/04/2023 99.99 0.01 614 846 0.01% 0.00%
24/04/2023 99.99 0.01 715 936 0.01% 0.00%
25/04/2023 99.99 0.01 694 884 0.02% 0.00%
26/04/2023 99.99 0.01 748 981 0.01% 0.00%
27/04/2023 99.99 0.01 756 978 0.01% 0.00%
28/04/2023 99.99 0.01 738 988 0.01% 0.00%
29/04/2023 99.99 0.01 665 960 0.01% 0.00%
30/04/2023 99.99 0.01 675 910 0.01% 0.00%

 

March 2023 - Dedicated Interface

                              Availability Statistics                                                             Performance Statistics

Date Uptime
(%)		 Downtime
 (%)		 AISP Response
millisecs		 PISP Response
millisecs		 CBPII Response
millisecs		 AIS Error
response rate		 PIS Error
response rate		 CBPII Error
response rate
01/03/2023 100 0 104 104 n/a 0.89% 0.07% n/a
02/03/2023 100 0

114

 108 n/a 0.67% 0.19% n/a
03/03/2023 100 0 111 111 n/a 0.66% 0.00% n/a
04/03/2023 100 0 110 115 n/a 0.48% 0.00% n/a
05/03/2023 100 0 105 106 n/a 0.46% 0.00% n/a
06/03/2023 100 0 98 489 n/a 0.77% 2.71% n/a
07/03/2023 100 0 152 110 n/a 0.76% 0.12% n/a
08/03/2023 100 0 110 120 n/a 0.71% 0.32% n/a
09/03/2023 100 0 110 121 n/a 0.81% 0.00% n/a
10/03/2023 100 0 111 118 n/a 0.61% 0.06% n/a
11/03/2023 100 0 110 116 n/a 0.61% 0.00% n/a
12/03/2023 100 0 103 95 n/a 0.51% 0.04% n/a
13/03/2023 100 0 101 110 n/a 0.66% 0.20% n/a
14/03/2023 100 0 111 114 n/a 0.59% 0.13% n/a
15/03/2023 100 0 112 112 n/a 0.70% 0.08% n/a
16/03/2023 100 0 112 135 n/a 0.69% 0.01% n/a
17/03/2023 100 0 106 111 n/a 0.72% 0.00% n/a
18/03/2023 100 0 103 95 n/a 0.56% 0.51% n/a
19/03/2023 100 0 93 92 n/a 0.56% 0.00% n/a
20/03/2023 100 0 94 95 n/a 0.82% 0.41% n/a
21/03/2023 100 0 103 91 n/a 0.89% 0.61% n/a
22/03/2023 100 0 99 92 n/a 0.72% 0.08% n/a
23/03/2023 100 0 100 95 n/a 0.75% 0.22% n/a
24/03/2023 100 0 102 89 n/a 0.86% 0.05% n/a
25/03/2023 100 0 99 81 n/a 0.62% 0.01% n/a
26/03/2023 100 0 93 94 n/a 0.49% 0.03% n/a
27/03/2023 100 0 94 89 n/a 0.81% 0.00% n/a
28/03/2023 100 0 100 88 n/a 0.79% 0.08% n/a
29/03/2023 100 0 101 176 n/a 0.83% 0.02% n/a
30/03/2023 100 0 100 88 n/a 0.77% 0.00% n/a
31/03/2023 100 0 99 88 n/a 0.89% 0.06% n/a

March 2023 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)		 Downtime
 (%)		 Mobile Interface
millisecs		 Browser Interface
millisecs		 Mobile Error
response rate		 Browser Error
response rate
01/03/2023 99.99 0.01 726 888 0.01% 0.00%
02/03/2023 99.99 0.01 670 874 0.01% 0.00%
03/03/2023 99.99 0.01 646 901 0.01% 0.00%
04/03/2023 99.99 0.01 613 830 0.01% 0.00%
05/03/2023 99.99 0.01 657 741 0.01% 0.00%
06/03/2023 99.99 0.01 728 1199 0.03% 0.01%
07/03/2023 99.99 0.01 603 809 0.01% 0.00%
08/03/2023 99.99 0.01 618

752

 0.01% 0.00%
09/03/2023 99.99 0.01 677 839 0.01% 0.00%
10/03/2023 99.99 0.01 618 786 0.01% 0.00%
11/03/2023 99.99 0.01 563 773 0.00% 0.00%
12/03/2023 99.99 0.01 642 810 0.01% 0.00%
13/03/2023 99.99 0.01 828 891 0.01% 0.00%
14/03/2023 99.99 0.01 610 840 0.01% 0.00%
15/03/2023 99.99 0.01 45169 888 0.01% 0.01%
16/03/2023 99.99 0.01 597 854 0.01% 0.00%
17/03/2023 99.99 0.01 611 867 0.01% 0.00%
18/03/2023 99.99 0.01 618 788 0.01% 0.00%
19/03/2023 99.99 0.01 567 834 0.01% 0.00%
20/03/2023 99.99 0.01 685 896 0.01% 0.00%
21/03/2023 99.99 0.01 763 836 0.01% 0.00%
22/03/2023 99.99 0.01 648 870 0.02% 0.00%
23/03/2023 99.99 0.01 708 933 0.01% 0.00%
24/03/2023 99.99 0.01 628 894 0.01% 0.00%
25/03/2023 99.99 0.01 562 822 0.01% 0.00%
26/03/2023 99.99 0.01 1056 820 0.01% 0.00%
27/03/2023 99.99 0.01 680 898 0.01% 0.00%
28/03/2023 99.99 0.01 610 859 0.01% 0.00%
29/03/2023 99.99 0.01 596 847 0.01% 0.00%
30/03/2023 99.99 0.01 750 871 0.01% 0.00%
31/03/2023 99.99 0.01 581 913 0.01% 0.00%

February 2023 - Dedicated Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)		 Downtime
 (%)		 AISP Response
millisecs		 PISP Response
millisecs		 CBPII Response
millisecs		 AIS Error
response rate		 PIS Error
response rate		 CBPII Error
response rate
01/02/2023 100 0 295 98 n/a 5.68% 0.00% n/a
02/02/2023 100 0 289 93 n/a 5.59% 0.00% n/a
03/02/2023 100 0 220 98 n/a 3.70% 0.00% n/a
04/02/2023 100 0 98 95 n/a 0.42% 0.00% n/a
05/02/2023 100 0 100 105 n/a 0.36% 0.00% n/a
06/02/2023 100 0 105 91 n/a 0.62% 0.00% n/a
07/02/2023 100 0 106 94 n/a 0.64% 0.00% n/a
08/02/2023 100 0 104 88 n/a 0.68% 0.00% n/a
09/02/2023 100 0 105 95 n/a 0.65% 0.00% n/a
10/02/2023 100 0 104 104 n/a 0.56% 0.03% n/a
11/02/2023 100 0 99 104 n/a 0.55% 0.00% n/a
12/02/2023 100 0 103 95 n/a 0.44% 0.00% n/a
13/02/2023 100 0 108 99 n/a 0.75% 0.00% n/a
14/02/2023 100 0 106 100 n/a 0.69% 0.00% n/a
15/02/2023 100 0 106 109 n/a 0.74% 0.00% n/a
16/02/2023 100 0 106 98 n/a 0.73% 0.03% n/a
17/02/2023 100 0 104 98 n/a 0.67% 0.00% n/a
18/02/2023 100 0 103 102 n/a 0.51% 0.00% n/a
19/02/2023 100 0 102 105 n/a 0.43% 0.00% n/a
20/02/2023 100 0 107 107 n/a 0.74% 0.00% n/a
21/02/2023 100 0 106 105 n/a 0.73% 0.00% n/a
22/02/2023 100 0 106 106 n/a 0.59% 0.00% n/a
23/02/2023 100 0 108 100 n/a 0.66% 0.20% n/a
24/02/2023 100 0 108 102 n/a 0.74% 0.00% n/a
25/02/2023 100 0 106 102 n/a 1.06% 0.00% n/a
26/02/2023 100 0 103 100 n/a 1.05% 10.75% n/a
27/02/2023 100 0 159 196 n/a 1.62% 2.99% n/a
28/02/2023 100 0 112 103 n/a 0.83% 0.11% n/a

 

February 2023 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)		 Downtime
 (%)		 Mobile Interface
millisecs		 Browser Interface
millisecs		 Mobile Error
response rate		 Browser Error
response rate
01/02/2023 99.99 0.01 661 937 0.01% 0.00%
02/02/2023 99.99 0.01 684 905 0.01% 0.00%
03/02/2023 99.99 0.01 659 931 0.01% 0.00%
04/02/2023 99.99 0.01 614 838 0.01% 0.00%
05/02/2023 99.99 0.01 643 858 0.01% 0.00%
06/02/2023 99.99 0.01 702 910 0.01% 0.00%
07/02/2023 99.99 0.01 701 889 0.01% 0.00%
08/02/2023 99.99 0.01 684 911 0.01% 0.00%
09/02/2023 99.99 0.01 659 865 0.01% 0.00%
10/02/2023 99.99 0.01 677 874 0.01% 0.00%
11/02/2023 99.99 0.01 645 878 0.01% 0.00%
12/02/2023 99.99 0.01 620 859 0.01% 0.00%
13/02/2023 99.99 0.01 673 903 0.01% 0.00%
14/02/2023 99.99 0.01 688 860 0.01% 0.00%
15/02/2023 99.99 0.01 686 905 0.01% 0.00%
16/02/2023 99.99 0.01 728 882 0.01% 0.00%
17/02/2023 99.99 0.01 656 855 0.01% 0.00%
18/02/2023 99.99 0.01 1316 847 0.01% 0.00%
19/02/2023 99.99 0.01 586 833 0.01% 0.00%
20/02/2023 99.99 0.01 697 887 0.01% 0.00%
21/02/2023 99.99 0.01 730 874 0.01% 0.00%
22/02/2023 99.99 0.01 632 881 0.01% 0.00%
23/02/2023 99.99 0.01 666 895 0.01% 0.00%
24/02/2023 99.99 0.01 668 893 0.01% 0.00%
25/02/2023 99.99 0.01 668 819 0.01% 0.00%
26/02/2023 99.99 0.01 726 902 0.01% 0.00%
27/02/2023 99.99 0.01 731 897 0.01% 0.00%
28/02/2023 99.99 0.01 642 859 0.01% 0.00%
 

Glossary

Dedicated Interface: third-party connection to KBC's APIs

AISP: account information service provider

PISP: payment initiation service provider

CBPII: card based payment instrument issuer

Customer interface: customer connection to KBC's online banking applications

API: application programming interface

Error response rate: the ratio between the number of errors and the total number of requests

 

If you have any questions, do not hesitate to contact us at developer@kbc.be.

The KBC website also offers further information on PSD2.

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