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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.

August 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
01/08/2023 100 0 106 66 n/a 0.26% 0.00% n/a
02/08/2023 100 0 102 71 n/a 0.24% 0.08% n/a
03/08/2023 100 0 101 68 n/a 0.21% 0.00% n/a
04/08/2023 100 0 102 72 n/a 0.20% 0.00% n/a
05/08/2023 100 0 96 69 n/a 0.26% 0.00% n/a
06/08/2023 100 0 93 67 n/a 0.15% 0.00% n/a
07/08/2023 100 0 101 70 n/a 0.27% 0.00% n/a
08/08/2023 100 0 98 71 n/a 0.25% 0.00% n/a
09/08/2023 100 0 99 74 n/a 0.20% 0.01% n/a
10/08/2023 100 0 98 71 n/a 0.23% 0.00% n/a
11/08/2023 100 0 96 70 n/a 0.22% 0.00% n/a
12/08/2023 100 0 94 71 n/a 0.25% 0.01% n/a
13/08/2023 100 0 91 67 n/a 0.21% 0.00% n/a
14/08/2023 100 0 96 69 n/a 0.23% 0.00% n/a
15/08/2023 100 0 91 65 n/a 0.24% 0.00% n/a
16/08/2023 100 0 100 73 n/a 0.27% 0.00% n/a
17/08/2023 100 0 97 68 n/a 0.25% 0.00% n/a
18/08/2023 100 0 98 72 n/a 0.32% 0.00% n/a
19/08/2023 100 0 96 71 n/a 0.20% 0.00% n/a
20/08/2023 100 0 89 67 n/a 0.22% 0.00% n/a
21/08/2023 100 0 96 68 n/a 0.21% 0.00% n/a
22/08/2023 100 0 97 71 n/a 0.22% 0.01% n/a
23/08/2023 100 0 98 72 n/a 0.34% 0.00% n/a
24/08/2023 100 0 101 72 n/a 0.28% 0.00% n/a
25/08/2023 100 0 98 71 n/a 0.21% 0.00% n/a
26/08/2023 100 0 91 69 n/a 0.19% 0.00% n/a
27/08/2023 100 0 447 66 n/a 0.42% 5.76% n/a
28/08/2023 100 0 528 71 n/a 0.42% 0.01% n/a
29/08/2023 100 0 158 70 n/a 0.21% 0.00% n/a
30/08/2023 100 0 104 68 n/a 0.25% 0.00% n/a
31/08/2023 100 0 107 74 n/a 0.20% 0.01% n/a

August 2023 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/08/2023 99.99 0.01 700 913 0.01% 0.00%
02/08/2023 99.99 0.01 755 952 0.01% 0.00%
03/08/2023 99.99 0.01 628 899 0.01% 0.00%
04/08/2023 99.99 0.01 619 874 0.01% 0.00%
05/08/2023 99.99 0.01 724 812 0.01% 0.00%
06/08/2023 99.99 0.01 582 795 0.00% 0.00%
07/08/2023 99.99 0.01 769 918 0.01% 0.00%
08/08/2023 99.99 0.01 679 1016 0.01% 0.00%
09/08/2023 99.99 0.01 697 855 0.01% 0.00%
10/08/2023 99.99 0.01 595 928 0.01% 0.00%
11/08/2023 99.99 0.01 599 875 0.01% 0.00%
12/08/2023 99.99 0.01 690 838 0.01% 0.00%
13/08/2023 99.99 0.01 752 812 0.00% 0.00%
14/08/2023 99.99 0.01 551 909 0.01% 0.00%
15/08/2023 99.99 0.01 667 840 0.01% 0.00%
16/08/2023 99.99 0.01 832 957 0.01% 0.00%
17/08/2023 99.99 0.01 681 931 0.01% 0.00%
18/08/2023 99.99 0.01 690 874 0.01% 0.00%
19/08/2023 99.99 0.01 703 860 0.01% 0.00%
20/08/2023 99.99 0.01 659 824 0.00% 0.00%
21/08/2023 99.99 0.01 792 922 0.00% 0.00%
22/08/2023 99.99 0.01 665 876 0.01% 0.00%
23/08/2023 99.99 0.01 563 860 0.01% 0.00%
24/08/2023 99.99 0.01 777 901 0.01% 0.00%
25/08/2023 99.99 0.01 788 919 0.01% 0.00%
26/08/2023 99.99 0.01 571 836 0.01% 0.00%
27/08/2023 99.99 0.01 623 853 0.01% 0.00%
28/08/2023 99.99 0.01 709 969 0.01% 0.00%
29/08/2023 99.99 0.01 661 946 0.01% 0.00%
30/08/2023 99.99 0.01 696 911 0.01% 0.00%
31/08/2023 99.99 0.01 794 902 0.00% 0.00%
 

July 2023 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/07/2023 99.99 0.01 951 863 0.01% 0.00%
02/07/2023 99.99 0.01 655 791 0.01% 0.00%
03/07/2023 99.99 0.01 717 928 0.01% 0.00%
04/07/2023 99.99 0.01 679 870 0.01% 0.00%
05/07/2023 99.99 0.01 642 864 0.01% 0.00%
06/07/2023 99.99 0.01 721 857 0.01% 0.00%
07/07/2023 99.99 0.01 1948 859 0.01% 0.00%
08/07/2023 99.99 0.01 619 790 0.01% 0.00%
09/07/2023 99.99 0.01 550 837 0.01% 0.00%
10/07/2023 99.99 0.01 680 886 0.01% 0.00%
11/07/2023 99.99 0.01 2829 869 0.01% 0.00%
12/07/2023 99.99 0.01 668 861 0.01% 0.00%
13/07/2023 99.99 0.01 679 917 0.01% 0.00%
14/07/2023 99.99 0.01 678 848 0.01% 0.00%
15/07/2023 99.99 0.01 1183 815 0.01% 0.00%
16/07/2023 99.99 0.01 683 795 0.01% 0.00%
17/07/2023 99.99 0.01 858 925 0.01% 0.00%
18/07/2023 99.99 0.01 683 931 0.01% 0.00%
19/07/2023 99.99 0.01 627 852 0.01% 0.00%
20/07/2023 99.99 0.01 651 863 0.01% 0.00%
21/07/2023 99,99 0.01 719 841 0.01% 0.00%
22/07/2023 99.99 0.01 608 801 0.01% 0.00%
23/07/2023 99.99 0.01 793 799 0.01% 0.00%
24/07/2023 99.99 0.01 769 898 0.01% 0.00%
25/07/2023 99.99 0.01 676 881 0.01% 0.00%
26/07/2023 99.99 0.01 746 908 0.01% 0.00%
27/07/2023 99.99 0.01 726 936 0.01% 0.00%
28/07/2023 99.99 0.01 654 868 0.01% 0.00%
29/07/2023 99.99 0.01 790 796 0.01% 0.00%
30/07/2023 99.99 0.01 827 885 0.01% 0.00%
31/07/2023 99.99 0,01 692 898 0.01% 0.00%
             

 

July 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
01/07/2023 100 0 101 79 n/a 0.62% 0.00% n/a
02/07/2023 100 0 96 79 n/a 0.47% 0.00% n/a
03/07/2023 100 0 109 79 n/a 0.85% 0.00% n/a
04/07/2023 100 0 106 78 n/a 0.76% 0.00% n/a
05/07/2023 100 0 105 79 n/a 0.78% 0.02% n/a
06/07/2023 100 0 106 81 n/a 0.74% 0.00% n/a
07/07/2023 100 0 100 83 n/a 0.64% 0.00% n/a
08/07/2023 100 0 96 81 n/a 0.42% 0.00% n/a
09/07/2023 100 0 98 77 n/a 0.51% 0.00% n/a
10/07/2023 100 0 101 80 n/a 0.71% 0.01% n/a
11/07/2023 100 0 97 76 n/a 0.58% 0.00% n/a
12/07/2023 100 0 102 78 n/a 0.57% 0.00% n/a
13/07/2023 100 0 102 77 n/a 0.62% 0.00% n/a
14/07/2023 100 0 101 82 n/a 0.71% 0.00% n/a
15/07/2023 100 0 97 82 n/a 0.53% 0.00% n/a
16/07/2023 100 0 93 78 n/a 0.50% 0.00% n/a
17/07/2023 100 0 102 80 n/a 0.81% 0.00% n/a
18/07/2023 100 0 99 77 n/a 0.59% 0.00% n/a
19/07/2023 100 0 98 73 n/a 0.34% 0.00% n/a
20/07/2023 100 0 99 71 n/a 0.27% 0.00% n/a
21/07/2023 100 0 94 71 n/a 0.19% 0.01% n/a
22/07/2023 100 0 93 69 n/a 0.19% 0.02% n/a
23/07/2023 100 0 93 69 n/a 0.18% 0.00% n/a
24/07/2023 100 0 99 71 n/a 0.34% 0.00% n/a
25/07/2023 100 0 97 73 n/a 0.26% 0.00% n/a
26/07/2023 100 0 99 71 n/a 0.24% 0.00% n/a
27/07/2023 100 0 99 72 n/a 0.29% 0.00% n/a
28/07/2023 100 0 100 70 n/a 0.31% 0.00% n/a
29/07/2023 100 0 93 68 n/a 0.22% 0.00% n/a
30/07/2023 100 0 93 67 n/a 0.20% 0.00% n/a
31/07/2023 100 0 102 70 n/a 0.26% 0.00% n/a

 

June 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
01/06/2023 100 0 83 110 n/a 0.95% 0.00% n/a
02/06/2023 100 0

82

104 n/a 0.95% 0.00% n/a
03/06/2023 100 0 99 98 n/a 0.66% 0.00% n/a
04/06/2023 100 0 80 97 n/a 0.58% 0.00% n/a
05/06/2023 100 0 85 105 n/a 0.91% 0.00% n/a
06/06/2023 100 0 82 105 n/a 0.85% 0.00% n/a
07/06/2023 100 0 83 106 n/a 0.98% 0.00% n/a
08/06/2023 100 0 85 103 n/a 0.96% 0.00% n/a
09/06/2023 100 0 86 104 n/a 0.65% 0.00% n/a
10/06/2023 100 0 83 98 n/a 0.62% 0.00% n/a
11/06/2023 100 0 81 94 n/a 0.95% 0.00% n/a
12/06/2023 100 0 84 103 n/a 1.07% 0.00% n/a
13/06/2023 100 0 92 102 n/a 1.00% 0.00% n/a
14/06/2023 100 0 81 105 n/a 1.02% 0.01% n/a
15/06/2023 100 0 78 106 n/a 1.10% 0.00% n/a
16/06/2023 100 0 79 105 n/a 1.09% 0.01% n/a
17/06/2023 100 0 78 99 n/a 0.68% 0.00% n/a
18/06/2023 100 0 421 97 n/a 0.53% 0.00% n/a
19/06/2023 100 0 87 104 n/a 0.92% 0.00% n/a
20/06/2023 100 0 85 110 n/a 0.84% 0.00% n/a
21/06/2023 100 0 85 106 n/a 0.70% 0.01% n/a
22/06/2023 100 0 82 106 n/a 0.75% 0.15% n/a
23/06/2023 100 0 81 102 n/a 0.81% 0.00% n/a
24/06/2023 100 0 470 99 n/a 0.43% 0.00% n/a
25/06/2023 100 0 85 95 n/a 0.37% 0.35% n/a
26/06/2023 100 0 81 103 n/a 0.80% 0.00% n/a
27/06/2023 100 0 77 102 n/a 0.74% 0.00% n/a
28/06/2023 100 0 81 103 n/a 0.85% 0.00% n/a
29/06/2023 100 0 78 103 n/a 0.78% 0.00% n/a
30/06/2023 100 0 78 104 n/a 0.93% 0.00% n/a

June 2023 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/06/2023 99.99 0.01 951 863 0.01% 0.00%
02/06/2023 99.99 0.01 769 756 0.01% 0.00%
03/06/2023 99.99 0.01 955 789 0.02% 0.00%
04/06/2023 99.99 0.01 769 769 0.01% 0.00%
05/06/2023 99.99 0.01 741 741 0.01% 0.00%
06/06/2023 99.99 0.01 742 742 0.06% 0.01%
07/06/2023 99.99 0.01 862 862 0.01% 0.00%
08/06/2023 99.99 0.01 731

731

0.00% 0.00%
09/06/2023 99.99 0.01 752 752 0.00% 0.00%
10/06/2023 99.99 0.01 1020 1020 0.02% 0.00%
11/06/2023 99.99 0.01 692 692 0.01% 0.00%
12/06/2023 99.99 0.01 750 750 0.01% 0.00%
13/06/2023 99.99 0.01 836 836 0.01% 0.00%
14/06/2023 99.99 0.01 750 750 0.01% 0.00%
15/06/2023 99.99 0.01 872 872 0.01% 0.01%
16/06/2023 99.99 0.01 874 874 0.01% 0.00%
17/06/2023 99.99 0.01 613 613 0.01% 0.00%
18/06/2023 99.99 0.01 662 662 0.01% 0.00%
19/06/2023 99.99 0.01 644 644 0.01% 0.00%
20/06/2023 99.99 0.01 661 661 0.01% 0.00%
21/06/2023 99.99 0.01 641 641 0.01% 0.00%
22/06/2023 99.99 0.01 678 678 0.01% 0.00%
23/06/2023 99.99 0.01 712 712 0.00% 0.00%
24/06/2023 99.99 0.01 602 602 0.01% 0.00%
25/06/2023 99.99 0.01 594 594 0.01% 0.00%
26/06/2023 99.99 0.01 697 697 0.01% 0.00%
27/06/2023 99.99 0.01 646 646 0.01% 0.00%
28/06/2023 99.99 0.01 666 666 0.01% 0.00%
29/06/2023 99.99 0.01 599 599 0.00% 0.00%
30/06/2023 99.99 0.01 590 590 0.01% 0.00%

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