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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.

February 2024 - 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
01/02/2024 100 0 90 98 n/a 0.69% 0.00% n/a
02/02/2024 100 0 99 93 n/a 0.15% 0.00% n/a
03/02/2024 100 0 87 98 n/a 0.12% 0.00% n/a
04/02/2024 100 0 98 95 n/a 0.13% 0.00% n/a
05/02/2024 100 0 91 105 n/a 0.21% 0.00% n/a
06/02/2024 100 0 87 91 n/a 0.18% 0.00% n/a
07/02/2024 100 0 97 94 n/a 0.18% 0.00% n/a
08/02/2024 100 0 104 88 n/a 0.17% 0.00% n/a
09/02/2024 100 0 105 95 n/a 0.16% 0.00% n/a
10/02/2024 100 0 104 104 n/a 0.22% 0.00% n/a
11/02/2024 100 0 99 104 n/a 0.11% 0.00% n/a
12/02/2024 100 0 103 95 n/a 0.17% 0.00% n/a
13/02/2024 100 0 108 99 n/a 0.16% 0.00% n/a
14/02/2024 100 0 106 100 n/a 0.18% 0.00% n/a
15/02/2024 100 0 106 109 n/a 0.15% 0.00% n/a
16/02/2024 100 0 106 98 n/a 0.18% 0.00% n/a
17/02/2024 100 0 104 98 n/a 0.16% 0.00% n/a
18/02/2024 100 0 103 102 n/a 0.18% 0.00% n/a
19/02/2024 100 0 102 106 n/a 0.13% 0.00% n/a
20/02/2024 100 0 107 98 n/a 0.21% 0.00% n/a
21/02/2024 100 0 106 96 n/a 0.24% 0.00% n/a
22/02/2024 100 0 106 84 n/a 0.16% 0.00% n/a
23/02/2024 100 0 108 98 n/a 0.19% 0.00% n/a
24/02/2024 100 0 108 94 n/a 0.16% 0.00% n/a
25/02/2024 100 0 106 106 n/a 0.15% 9.13% n/a
26/02/2024 100 0 103 96 n/a 0.18% 24.18% n/a
27/02/2024 100 0 159 99 n/a 0.22% 47.77% n/a
28/02/2024 100 0 112 90 n/a 0.16% 16.16% n/a
29/02/2024 100 0 98 93 n/a 0.19% 0.00% n/a
                 

February 2024 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/02/2024 99.99 0.01 671 868 0.03% 0.00%
02/02/2024 99.99 0.01 659 884 0.03% 0.00%
03/02/2024 99.99 0.01 588 781 0.03% 0.00%
04/02/2024 99.99 0.01 598 799 0.02% 0.00%
05/02/2024 99.99 0.01 748 835 0.02% 0.00%
06/02/2024 99.99 0.01 694 819 0.02% 0.00%
07/02/2024 99.99 0.01 653 904 0.02% 0.00%
08/02/2024 99.99 0.01 557 874 0.69% 0.09%
09/02/2024 99.99 0.01 584 797 0.16% 0.02%
10/02/2024 99.99 0.01 590 851 1.35% 0.14%
11/02/2024 99.99 0.01 658 772 0.03% 0.00%
12/02/2024 99.99 0.01 768 824 0.78% 0.10%
13/02/2024 99.99 0.01 640 788 0.26% 0.03%
14/02/2024 99.99 0.01 621 821 0.03% 0.00%
15/02/2024 99.99 0.01 575 790 0.03% 0.00%
16/02/2024 99.99 0.01 684 818 0.03% 0.00%
17/02/2024 99.99 0.01 618 786 0.20% 0.02%
18/02/2024 99.99 0.01 629 758 0.23% 0.03%
19/02/2024 99.99 0.01 792 817 5.25% 1.85%
20/02/2024 99.99 0.01 637 852 4.77% 1.76%
21/02/2024 99.99 0.01 640 802 4.47% 1.67%
22/02/2024 99.99 0.01 822 816 3.89% 1.57%
23/02/2024 99.99 0.01 693 807 3.65% 1.52%
24/02/2024 99.99 0.01 612 765 26.17% 12.92%
25/02/2024 99.99 0.01 667 822 41.88% 38.40%
26/02/2024 99.99 0.01 592 842 25.48% 24.46%
27/02/2024 99.99 0.01 827 918 25.05% 23.99%
28/02/2024 99.99 0.01 698 918 26.03% 24.85%
29/02/2024 99.99 0.01 1563 800 24.77% 23.61%
             
 

January 2024 - 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
01/01/2024 100 0 99 120 n/a 0.31% 0.00% n/a
02/01/2024 100 0 101 116 n/a 0.56% 0.00% n/a
03/01/2024 100 0 99 113 n/a 0.50% 0.00% n/a
04/01/2024 100 0 100 119 n/a 0.45% 0.00% n/a
05/01/2024 100 0 101 116 n/a 1.48% 0.00% n/a
06/01/2024 100 0 103 114 n/a 0.56% 0.00% n/a
07/01/2024 100 0 103 121 n/a 0.46% 0.00% n/a
08/01/2024 100 0 102 127 n/a 0.41% 0.00% n/a
09/01/2024 100 0 109 113 n/a 0.79% 0.00% n/a
10/01/2024 100 0 106 116 n/a 0.72% 0.00% n/a
11/01/2024 100 0 107 119 n/a 0.68% 0.00% n/a
12/01/2024 100 0 107 122 n/a 0.63% 0.00% n/a
13/01/2024 100 0 105 138 n/a 0.54% 0.00% n/a
14/01/2024 100 0 101 124 n/a 0.42% 0.00% n/a
15/01/2024 100 0 100 133 n/a 0.39% 0.00% n/a
16/01/2024 100 0 108 107 n/a 0.61% 0.00% n/a
17/01/2024 100 0 104 108 n/a 0.47% 0.00% n/a
18/01/2024 100 0 108 122 n/a 0.55% 0.00% n/a
19/01/2024 100 0 107 106 n/a 0.56% 0.00% n/a
20/01/2024 100 0 106 98 n/a 0.24% 0.00% n/a
21/01/2024 100 0 102

96

n/a 0.23% 0.00% n/a
22/01/2024 100 0 102

84

n/a 0.63% 0.00% n/a
23/01/2024 100 0 110 98 n/a 0.51% 0.00% n/a
24/01/2024 100 0 107 105 n/a 0.59% 0.00% n/a
25/01/2024 100 0 108 106 n/a 0.72% 0.00% n/a
26/01/2024 100 0 107 104 n/a 0.31% 0.00% n/a
27/01/2024 100 0 105 95 n/a 0.25% 0.00% n/a
28/01/2024 100 0 99 90 n/a 0.23% 0.00% n/a
29/01/2024 100 0 98 93 n/a 0.78% 5.85% n/a
30/01/2024 100 0 105 96 n/a 0.35% 0.00% n/a
31/01/2024 100 0 160 97 n/a 0.45% 0.00% n/a

 

January 2024 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/01/2024 99.99 0.01 739 825 0.01% 0.00%
02/01/2024 99.99 0.01 691 846 0.01% 0.00%
03/01/2024 99.99 0.01 801 755 0.01% 0.00%
04/01/2024 99.99 0.01 722 801 0.01% 0.00%
05/01/2024 99.99 0.01 668 826 0.01% 0.00%
06/01/2024 99.99 0.01 587 835 0.01% 0.00%
07/01/2024 99.99 0.01 690 816 0.01% 0.00%
08/01/2024 99.99 0.01 871 733 0.01% 0.00%
09/01/2024 99.99 0.01 702 756 0.00% 0.00%
10/01/2024 99.99 0.01 809 781 0.01% 0.00%
11/01/2024 99.99 0.01 698 860 0.01% 0.00%
12/01/2024 99.99 0.01 641 869 0.02% 0.00%
13/01/2024 99.99 0.01 644 866 0.01% 0.00%
14/01/2024 99.99 0.01 666 878 0.01% 0.00%
15/01/2024 99.99 0.01 634 851 0.01% 0.00%
16/01/2024 99.99 0.01 641 777 0.02% 0.00%
17/01/2024 99.99 0.01 832 798 0.01% 0.00%
18/01/2024 99.99 0.01 648 792 0.02% 0.00%
19/01/2024 99.99 0.01 655 876 0.02% 0.00%
20/01/2024 99.99 0.01 676 801 0.01% 0.00%
21/01/2024 99,99 0.01 811 845 0.02% 0.00%
22/01/2024 99.99 0.01 648 867 0.02% 0.00%
23/01/2024 99.99 0.01 739 826 0.02% 0.00%
24/01/2024 99.99 0.01 695 865 0.02% 0.00%
25/01/2024 99.99 0.01 691 834 0.70% 0.00%
26/01/2024 99.99 0.01 646 818 0.02% 0.00%
27/01/2024 99.99 0.01 869 785 1.25% 0.00%
28/01/2024 99.99 0.01 641 794 0.03% 0.00%
29/01/2024 99.99 0.01 686 867 0.03% 0.00%
30/01/2024 99.99 0.01 691 849 0.10% 0.00%
31/01/2024 99.99 0,01 659 857 0.01% 0.00%

 

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%

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