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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 

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.

December 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
01/12/2023 100 0 97 85 n/a 0.66% 0.00% n/a
02/12/2023 100 0 100 81 n/a 0.71% 0.00% n/a
03/12/2023 100 0 101 74 n/a 0.68% 0.00% n/a
04/12/2023 100 0 98 77 n/a 0.48% 0.02% n/a
05/12/2023 100 0 81 80 n/a 0.28% 0.00% n/a
06/12/2023 100 0 84 83 n/a 0.33% 0.00% n/a
07/12/2023 100 0 89 81 n/a 0.27% 0.00% n/a
08/12/2023 100 0 101 74 n/a 0.24% 0.00% n/a
09/12/2023 100 0 99 76 n/a 0.28% 0.00% n/a
10/12/2023 100 0 93 71 n/a 0.32% 0.00% n/a
11/12/2023 100 0 97 87 n/a 0.37% 0.00% n/a
12/12/2023 100 0 94 91 n/a 0.33% 0.00% n/a
13/12/2023 100 0 84 60 n/a 0.36% 0.00% n/a
14/12/2023 100 0 85 66 n/a 0.31% 0.00% n/a
15/12/2023 100 0 81 59 n/a 0.27% 0.00% n/a
16/12/2023 100 0 89 67 n/a 0.28% 0.00% n/a
17/12/2023 100 0 100 68 n/a 0.44% 0.00% n/a
18/12/2023 100 0 101 71 n/a 0.36% 0.00% n/a
19/12/2023 100 0 103 73 n/a 0.39% 0.00% n/a
20/12/2023 100 0 105 69 n/a 0.33% 0.00% n/a
21/12/2023 100 0 98 81 n/a 0.33% 0.00% n/a
22/12/2023 100 0 94 73 n/a 0.26% 0.00% n/a
23/12/2023 100 0 87 71 n/a 0.27% 0.00% n/a
24/12/2023 100 0 93 78 n/a 0.25% 0.00% n/a
25/12/2023 100 0 81 67 n/a 0.28% 0.00% n/a
26/12/2023 100 0 87 63 n/a 0.29% 0.00% n/a
27/12/2023 100 0 89 78 n/a 0.31% 0.00% n/a
28/12/2023 100 0 84 79 n/a 0.29% 0.00% n/a
29/12/2023 100 0 92 75 n/a 0.24% 0.00% n/a
30/12/2023 100 0 91 68 n/a 0.22% 0.00% n/a
31/12/2023 100 0 89 78 n/a 0.28% 0.00% n/a

 

December 2023 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/12/2023 99.99 0.01 707 1165 0.00% 0.00%
02/12/2023 99.99 0.01 813 1238 0.01% 0.00%
03/12/2023 99.99 0.01 719 1031 0.01% 0.00%
04/12/2023 99.99 0.01 792 1204 0.00% 0.00%
05/12/2023 99.99 0.01 834 955 0.02% 0.00%
06/12/2023 99.99 0.01 628 926 0.01% 0.00%
07/12/2023 99.99 0.01 719 919 0.02% 0.00%
08/12/2023 99.99 0.01 563 902 0.01% 0.00%
09/12/2023 99.99 0.01 605 1021 0.01% 0.00%
10/12/2023 99.99 0.01 741 820 0.01% 0.00%
11/12/2023 99.99 0.01 747 942 0.02% 0.00%
12/12/2023 99.99 0.01 672 870 0.01% 0.00%
13/12/2023 99.99 0.01 673 907 0.01% 0.00%
14/12/2023 99.99 0.01 655 884 0.01% 0.00%
15/12/2023 99.99 0.01 618 826 0.01% 0.00%
16/12/2023 99.99 0.01 568 746 0.02% 0.00%
17/12/2023 99.99 0.01 625 812 0.02% 0.00%
18/12/2023 99.99 0.01 740 921 0.01% 0.00%
19/12/2023 99.99 0.01 898 872 0.01% 0.00%
20/12/2023 99.99 0.01 695 894 0.01% 0.00%
21/12/2023 99.99 0.01 896 854 0.01% 0.00%
22/12/2023 99.99 0.01 714 937 0.00% 0.00%
23/12/2023 99.99 0.01 759 808 0.01% 0.00%
24/12/2023 99.99 0.01 636 773 0.01% 0.00%
25/12/2023 99.99 0.01 593 770 0.01% 0.00%
26/12/2023 99.99 0.01 643 810 0.01% 0.00%
27/12/2023 99.99 0.01 859 898 0.01% 0.00%
28/12/2023 99.99 0.01 1340 880 0.01% 0.00%
29/12/2023 99.99 0.01 590 903 0.01% 0.00%
30/12/2023 99.99 0.01 769 818 0.01% 0.00%
31/12/2023 99.99 0.01 595 832 0.02% 0.00%

November 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
01/11/2023 100 0 101 77 n/a 0.66% 0.00% n/a
02/11/2023 100 0 95 88 n/a 0.71% 0.00% n/a
03/11/2023 100 0 103 83 n/a 0.68% 0.00% n/a
04/11/2023 100 0 91 72 n/a 0.37% 0.00% n/a
05/11/2023 100 0 87 66 n/a 0.44% 0.00% n/a
06/11/2023 100 0 86 89 n/a 0.50% 0.00% n/a
07/11/2023 100 0 100 71 n/a 0.37% 0.00% n/a
08/11/2023 100 0 103 71 n/a 0.66% 0.00% n/a
09/11/2023 100 0 94 81 n/a 0.70% 0.00% n/a
10/11/2023 100 0 96 68 n/a 0.41% 0.00% n/a
11/11/2023 100 0 91 66 n/a 0.26% 0.00% n/a
12/11/2023 100 0 89 70 n/a 0.25% 0.00% n/a
13/11/2023 100 0 81 83 n/a 0.38% 0.00% n/a
14/11/2023 100 0 89 59 n/a 0.39% 0.00% n/a
15/11/2023 100 0 84 66 n/a 0.36% 0.00% n/a
16/11/2023 100 0 87 75 n/a 0.29% 0.00% n/a
17/11/2023 100 0 99 75 n/a 0.29% 0.00% n/a
18/11/2023 100 0 103 80 n/a 0.28% 0.00% n/a
19/11/2023 100 0 101 77 n/a 0.26% 0.00% n/a
20/11/2023 100 0 89 77 n/a 0.39% 0.00% n/a
21/11/2023 100 0 93 67 n/a 0.39% 0.00% n/a
22/11/2023 100 0 91 68 n/a 0.56% 0.00% n/a
23/11/2023 100 0 105 65 n/a 0.71% 0.00% n/a
24/11/2023 100 0 91 63 n/a 0.32% 0.00% n/a
25/11/2023 100 0 87 69 n/a 0.26% 0.00% n/a
26/11/2023 100 0 81 79 n/a 0.34% 1.84% n/a
27/11/2023 100 0 85 81 n/a 0.36% 0.00% n/a
28/11/2023 100 0 90 83 n/a 0.39% 0.00% n/a
29/11/2023 100 0 92 73 n/a 0.28% 0.00% n/a
30/11/2023 100 0 91 67 n/a 0.34% 0.00% n/a
                 

November 2023 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/11/2023 99.99 0.01 534 1165 0.00% 0.00%
02/11/2023 99.99 0.01 668 1238 0.01% 0.00%
03/11/2023 99.99 0.01 676 1283 0.01% 0.00%
04/11/2023 99.99 0.01 720 1276 0.00% 0.00%
05/11/2023 99.99 0.01 641 1196 0.01% 0.00%
06/11/2023 99.99 0.01 711 1257 0.01% 0.00%
07/11/2023 99.99 0.01 642 1173 0.00% 0.00%
08/11/2023 99.99 0.01 596 1182 0.01% 0.00%
09/11/2023 99.99 0.01 652 1149 0.01% 0.00%
10/11/2023 99.99 0.01 638 1143 0.01% 0.00%
11/11/2023 99.99 0.01 622 1124 0.00% 0.00%
12/11/2023 99.99 0.01 624 1116 0.01% 0.00%
13/11/2023 99.99 0.01 849 1170 0.01% 0.00%
14/11/2023 99.99 0.01 651 1158 0.01% 0.00%
15/11/2023 99.99 0.01 635 1176 0.01% 0.00%
16/11/2023 99.99 0.01 667 1164 0.01% 0.00%
17/11/2023 99.99 0.01 646 1174 0.01% 0.00%
18/11/2023 99.99 0.01 661 1116 0.01% 0.00%
19/11/2023 99.99 0.01 591 1126 0.01% 0.00%
20/11/2023 99.99 0.01 632 1190 0.01% 0.00%
21/11/2023 99.99 0.01 620 1133 0.01% 0.00%
22/11/2023 99.99 0.01 659 1026 0.00% 0.00%
23/11/2023 99.99 0.01 698 1107 0.01% 0.00%
24/11/2023 99.99 0.01 745 1233 0.01% 0.00%
25/11/2023 99.99 0.01 654 1206 0.01% 0.00%
26/11/2023 99.99 0.01 707 1166 0.01% 0.00%
27/11/2023 99.99 0.01 689 1224 0.01% 0.00%
28/11/2023 99.99 0.01 708 1203 0.01% 0.00%
29/11/2023 99.99 0.01 627 1134 0.01% 0.00%
30/11/2023 99.99 0.01 554 1059 0.01% 0.00%
             
 

October 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
01/10/2023 100 0 107 65 n/a 0.66% 0.00% n/a
02/10/2023 100 0 96 72 n/a 0.71% 0.00% n/a
03/10/2023 100 0 100 66 n/a 0.78% 0.00% n/a
04/10/2023 100 0 102 82 n/a 1.18% 0.00% n/a
05/10/2023 100 0 91 67 n/a 1.60% 0.00% n/a
06/10/2023 100 0 88 68 n/a 0.76% 0.00% n/a
07/10/2023 100 0 88 80 n/a 0.31% 0.00% n/a
08/10/2023 100 0 86 63 n/a 0.31% 0.00% n/a
09/10/2023 100 0 92 67 n/a 0.67% 0.00% n/a
10/10/2023 100 0 93 66 n/a 0.64% 0.00% n/a
11/10/2023 100 0 96 68 n/a 0.78% 0.00% n/a
12/10/2023 100 0 106 71 n/a 1.12% 0.00% n/a
13/10/2023 100 0 95 77 n/a 0.73% 0.00% n/a
14/10/2023 100 0 92 65 n/a 0.29% 0.00% n/a
15/10/2023 100 0 72 83 n/a 0.29% 0.00% n/a
16/10/2023 100 0 85 59 n/a 0.67% 0.00% n/a
17/10/2023 100 0 68 66 n/a 0.52% 0.00% n/a
18/10/2023 100 0 97 60 n/a 0.70% 0.00% n/a
19/10/2023 100 0 78 65 n/a 0.50% 0.00% n/a
20/10/2023 100 0 86 63 n/a 0.51% 0.00% n/a
21/10/2023 100 0 99 77 n/a 0.31% 0.00% n/a
22/10/2023 100 0 87 72 n/a 0.30% 0.00% n/a
23/10/2023 100 0 103 83 n/a 0.70% 0.00% n/a
24/10/2023 100 0 97 67 n/a 0.60% 0.00% n/a
25/10/2023 100 0 91 67 n/a 0.91% 0.00% n/a
26/10/2023 100 0 85 62 n/a 0.59% 0.00% n/a
27/10/2023 100 0 87 78 n/a 0.92% 0.00% n/a
28/10/2023 100 0 88 71 n/a 0.52% 0.00% n/a
29/10/2023 100 0 78 84 n/a 0.47% 5.85% n/a
30/10/2023 100 0 83 67 n/a 0.54% 0.00% n/a
31/10/2023 100 0 85 67 n/a 0.51% 0.00% n/a

 

October 2023 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/10/2023 99.99 0.01 534 1165 0.00% 0.00%
02/10/2023 99.99 0.01 668 1238 0.01% 0.00%
03/10/2023 99.99 0.01 676 1283 0.01% 0.00%
04/10/2023 99.99 0.01 720 1276 0.00% 0.00%
05/10/2023 99.99 0.01 736 1241 0.01% 0.00%
06/10/2023 99.99 0.01 687 1226 0.01% 0.00%
07/10/2023 99.99 0.01 730 1167 0.01% 0.00%
08/10/2023 99.99 0.01 647 1196 0.01% 0.00%
09/10/2023 99.99 0.01 681 1218 0.01% 0.00%
10/10/2023 99.99 0.01 672 1220 0.00% 0.00%
11/10/2023 99.99 0.01 647 1266 0.01% 0.00%
12/10/2023 99.99 0.01 764 1236 0.01% 0.00%
13/10/2023 99.99 0.01 964 1296 0.00% 0.00%
14/10/2023 99.99 0.01 560 1135 0.01% 0.00%
15/10/2023 99.99 0.01 9753 1140 0.01% 0.00%
16/10/2023 99.99 0.01 92 1245 0.01% 0.00%
17/10/2023 99.99 0.01 654 1164 0.01% 0.00%
18/10/2023 99.99 0.01 683 1178 0.01% 0.00%
19/10/2023 99.99 0.01 704 1160 0.01% 0.00%
20/10/2023 99.99 0.01 655 1143 0.01% 0.00%
21/10/2023 99,99 0.01 601 1135 0.01% 0.00%
22/10/2023 99.99 0.01 633 1143 0.00% 0.00%
23/10/2023 99.99 0.01 691 1204 0.01% 0.00%
24/10/2023 99.99 0.01 637 1234 0.01% 0.00%
25/10/2023 99.99 0.01 735 1192 0.01% 0.00%
26/10/2023 99.99 0.01 589 1169 0.01% 0.00%
27/10/2023 99.99 0.01 610 1218 0.00% 0.00%
28/10/2023 99.99 0.01 722 1166 0.02% 0.00%
29/10/2023 99.99 0.01 932 1173 0.01% 0.00%
30/10/2023 99.99 0.01 669 1398 0.01% 0.00%
31/10/2023 99.99 0,01 692 898 0.01% 0.00%

 

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