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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.

June 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
01/06/2024 100 0 100 84 n/a 0,13% 0,00% n/a
02/06/2024 100 0 99 90 n/a 0,14% 0,00% n/a
03/06/2024 100 0 87 87 n/a 0,15% 0,00% n/a
04/06/2024 100 0 95 91 n/a 0,14% 0,00% n/a
05/06/2024 100 0 87 89 n/a 0,17% 0,00% n/a
06/06/2024 100 0 95 92 n/a 0,15% 0,00% n/a
07/06/2024 100 0 97 91 n/a 0,17% 0,00% n/a
08/06/2024 100 0 91 89 n/a 0,13% 0,00% n/a
09/06/2024 100 0 93 83 n/a 0,13% 0,00% n/a
10/06/2024 100 0 94 100 n/a 0,33% 0,00% n/a
11/06/2024 100 0 105 101 n/a 0,31% 0,00% n/a
12/06/2024 100 0 98 87 n/a 0,18% 0,00% n/a
13/06/2024 100 0 92 86 n/a 0,13% 0,00% n/a
14/06/2024 100 0 89 93 n/a 0,20% 0,00% n/a
15/06/2024 100 0 97 92 n/a 0,16% 0,00% n/a
16/06/2024 100 0 90 97 n/a 0,13% 0,00% n/a
17/06/2024 100 0 93 93 n/a 0,21% 0,00% n/a
18/06/2024 100 0 94 98 n/a 0,21% 0,00% n/a
19/06/2024 100 0 91 83 n/a 0,21% 0,00% n/a
20/06/2024 100 0 88 99 n/a 0,13% 0,00% n/a
21/06/2024 100 0 89 100 n/a 0,19% 0,00% n/a
22/06/2024 100 0 91 89 n/a 0,16% 0,00% n/a
23/06/2024 100 0 88 83 n/a 0,26% 4,50% n/a
24/06/2024 100 0 89 93 n/a 0,30% 10,50% n/a
25/06/2024 100 0 86 91 n/a 0,20% 13,08% n/a
26/06/2024 100 0 87 90 n/a 0,17% 14,00% n/a
27/06/2024 100 0 90 92 n/a 0,13% 13,08% n/a
28/06/2024 100 0 91 91 n/a 0,18% 15,85% n/a
29/06/2024 100 0 97 89 n/a 0,11% 23,28% n/a
30/06/2024 100 0 99 89 n/a 0,11% 26,37% n/a

 

June 2024 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/06/2024 99,99 0,01 558 839 10,58% 10,58%
02/06/2024 99,99 0,01 643 787 8,03% 8,03%
03/06/2024 99,99 0,01 719 982 7,87% 7,87%
04/06/2024 99,99 0,01 767 881 8,07% 8,07%
05/06/2024 99,99 0,01 777 882 7,80% 7,80%
06/06/2024 99,99 0,01 662 841 7,89% 7,89%
07/06/2024 99,99 0,01 690 816 7,99% 7,99%
08/06/2024 99,99 0,01 679 772 7,74% 7,74%
09/06/2024 99,99 0,01 624 744 8,14% 8,14%
10/06/2024 99,99 0,01 800 900 8,20% 8,20%
11/06/2024 99,99 0,01 640 847 9,01% 9,01%
12/06/2024 99,99 0,01 682 867 8,96% 8,96%
13/06/2024 99,99 0,01 1834 879 8,99% 8,99%
14/06/2024 99,99 0,01 637 840 8,58% 8,58%
15/06/2024 99,99 0,01 622 833 7,75% 7,75%
16/06/2024 99,99 0,01 619 799 7,81% 7,81%
17/06/2024 99,99 0,01 655 913 8,27% 8,27%
18/06/2024 99,99 0,01 722 905 8,02% 8,02%
19/06/2024 99,99 0,01 728 911 7,51% 7,51%
20/06/2024 99,99 0,01 620 849 7,50% 7,50%
21/06/2024 99,99 0,01 622 828 6,89% 6,89%
22/06/2024 99,99 0,01 627 771 5,49% 5,49%
23/06/2024 99,99 0,01 529 758 0,01% 0,00%
24/06/2024 99,99 0,01 842 861 0,01% 0,00%
25/06/2024 99,99 0,01 796 910 0,01% 0,00%
26/06/2024 99,99 0,01 654 922 0,01% 0,00%
27/06/2024 99,99 0,01 687 880 0,02% 0,00%
28/06/2024 99,99 0,01 678 869 0,01% 0,00%
29/06/2024 99,99 0,01 608 756 0,01% 0,00%
30/06/2024 99,99 0,01 839 790 0,01% 0,00%

May 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
01/05/2024 100 0 83 91 n/a 0.16% 0.00% n/a
02/05/2024 100 0 166 90 n/a 0.18% 0.00% n/a
03/05/2024 100 0 120 99 n/a 0.16% 0.00% n/a
04/05/2024 100 0 79 83 n/a 0.17% 0.00% n/a
05/05/2024 100 0 87 87 n/a 0.15% 0.00% n/a
06/05/2024 100 0 93 88 n/a 0.19% 0.00% n/a
07/05/2024 100 0 92 95 n/a 0.21% 0.00% n/a
08/05/2024 100 0 99 98 n/a 0.22% 0.00% n/a
09/05/2024 100 0 86 99 n/a 0.20% 0.00% n/a
10/05/2024 100 0 85 93 n/a 0.21% 0.00% n/a
11/05/2024 100 0 99 91 n/a 0.15% 0.00% n/a
12/05/2024 100 0 96 96 n/a 0.15% 0.00% n/a
13/05/2024 100 0 88 103 n/a 0.18% 0.00% n/a
14/05/2024 100 0 91 101 n/a 0.41% 0.00% n/a
15/05/2024 100 0 93 93 n/a 0.27% 0.00% n/a
16/05/2024 100 0 102 97 n/a 0.26% 0.00% n/a
17/05/2024 100 0 101 93 n/a 0.15% 0.00% n/a
18/05/2024 100 0 94 91 n/a 0.14% 0.00% n/a
19/05/2024 100 0 91 90 n/a 0.15% 0.00% n/a
20/05/2024 100 0 88 88 n/a 0.27% 0.00% n/a
21/05/2024 100 0 89 95 n/a 0.18% 0.00% n/a
22/05/2024 100 0 95 89 n/a 0.20% 0.00% n/a
23/05/2024 100 0 92 85 n/a 0.22% 0.00% n/a
24/05/2024 100 0 87 99 n/a 0.15% 0.00% n/a
25/05/2024 100 0 89 91 n/a 0.15% 0.00% n/a
26/05/2024 100 0 93 94 n/a 0.24% 7.46% n/a
27/05/2024 100 0 99 96 n/a 0.17% 0.00% n/a
28/05/2024 100 0 94 101 n/a 0.20% 0.00% n/a
29/05/2024 100 0 92 100 n/a 0.19% 0.00% n/a
30/05/2024 100 0 83 89 n/a 0.19% 0.00% n/a
31/05/2024 100 0 84 93 n/a 0.18% 0.00% n/a

May 2024 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/05/2024 99.99 0.01 583 822 9.00% 9.00%
02/05/2024 99.99 0.01 1007 812 9.20% 9.20%
03/05/2024 99.99 0.01 626 863 8.70% 8.70%
04/05/2024 99.99 0.01 672 743 10.30% 10.30%
05/05/2024 99.99 0.01 592 749 9.80% 9.80%
06/05/2024 99.99 0.01 635 838 9.90% 9.90%
07/05/2024 99.99 0.01 621 830 8.80% 8.80%
08/05/2024 99.99 0.01 709 848 8.80% 8.80%
09/05/2024 99.99 0.01 691 760 8.80% 8.80%
10/05/2024 99.99 0.01 610 900 8.70% 8.70%
11/05/2024 99.99 0.01 644 767 9.00% 9.00%
12/05/2024 99.99 0.01 537 759 9.10% 9.10%
13/05/2024 99.99 0.01 667 870 10.10% 10.10%
14/05/2024 99.99 0.01 665 841 9.40% 9.40%
15/05/2024 99.99 0.01 603 836 8.70% 8.70%
16/05/2024 99.99 0.01 655 874 8.80% 8.80%
17/05/2024 99.99 0.01 701 868 9.20% 9.20%
18/05/2024 99.99 0.01 527 886 13.80% 13.80%
19/05/2024 99.99 0.01 587 802 11.70% 11.70%
20/05/2024 99.99 0.01 505 782 9.00% 9.00%
21/05/2024 99.99 0.01 633 817 9.30% 9.30%
22/05/2024 99.99 0.01 652 834 8.80% 8.80%
23/05/2024 99.99 0.01 1104 837 8.70% 8.70%
24/05/2024 99.99 0.01 587 835 9.10% 9.10%
25/05/2024 99.99 0.01 608 753 8.80% 8.80%
26/05/2024 99.99 0.01 704 835 8.00% 8.00%
27/05/2024 99.99 0.01 743 906 7.90% 7.90%
28/05/2024 99.99 0.01 685 872 7.80% 7.80%
29/05/2024 99.99 0.01 783 863 7.20% 7.20%
30/05/2024 99.99 0.01 662 842 8.20% 8.20%
31/05/2024 99.99 0.01 1602 884 7.90% 7.90%
 

April 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
01/04/2024 100 0 99 89 n/a 0.27% 0.00% n/a
02/04/2024 100 0 84 88 n/a 0.35% 0.00% n/a
03/04/2024 100 0 94 88 n/a 0.28% 0.00% n/a
04/04/2024 100 0 83 89 n/a 0.17% 0.00% n/a
05/04/2024 100 0 87 93 n/a 0.15% 0.00% n/a
06/04/2024 100 0 91 84 n/a 0.16% 0.00% n/a
07/04/2024 100 0 92 92 n/a 0.16% 0.00% n/a
08/04/2024 100 0 101 96 n/a 0.17% 0.00% n/a
09/04/2024 100 0 103 97 n/a 0.17% 0.00% n/a
10/04/2024 100 0 87 99 n/a 0.15% 0.00% n/a
11/04/2024 100 0 94 100 n/a 0.17% 0.00% n/a
12/04/2024 100 0 93 100 n/a 0.17% 0.00% n/a
13/04/2024 100 0 96 99 n/a 0.16% 0.00% n/a
14/04/2024 100 0 101 94 n/a 0.16% 0.00% n/a
15/04/2024 100 0 104 95 n/a 0.22% 0.00% n/a
16/04/2024 100 0 99 97 n/a 0.15% 0.00% n/a
17/04/2024 100 0 93 98 n/a 0.14% 0.00% n/a
18/04/2024 100 0 87 88 n/a 0.14% 0.00% n/a
19/04/2024 100 0 86 97 n/a 0.17% 0.00% n/a
20/04/2024 100 0 92 101 n/a 0.14% 0.00% n/a
21/04/2024 100 0 97 99 n/a 0.13% 0.00% n/a
22/04/2024 100 0 91 100 n/a 0.14% 0.00% n/a
23/04/2024 100 0 88 88 n/a 0.14% 0.00% n/a
24/04/2024 100 0 83 84 n/a 0.16% 0.00% n/a
25/04/2024 100 0 87 93 n/a 0.15% 0.00% n/a
26/04/2024 100 0 90 96 n/a 0.13% 0.00% n/a
27/04/2024 100 0 92 97 n/a 0.11% 0.00% n/a
28/04/2024 100 0 99 88 n/a 0.11% 0.00% n/a
29/04/2024 100 0 87 85 n/a 0.36% 0.00% n/a
30/04/2024 100 0 81 89 n/a 0.20% 0.00% n/a

 

April 2024 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/04/2024 99.99 0.01 633 804 9.43% 9.43%
02/04/2024 99.99 0.01 713 880 9.80% 9.80%
03/04/2024 99.99 0.01 662 841 9.84% 9.84%
04/04/2024 99.99 0.01 704 834 12.39% 12.39%
05/04/2024 99.99 0.01 715 834 9.79% 9.78%
06/04/2024 99.99 0.01 764 771 9.88% 9.88%
07/04/2024 99.99 0.01 613 778 9.94% 9.94%
08/04/2024 99.99 0.01 659 799 10.69% 10.69%
09/04/2024 99.99 0.01 607 834 10.70% 10.70%
10/04/2024 99.99 0.01 738 812 10.68% 10.68%
11/04/2024 99.99 0.01 594 801 10.47% 10.47%
12/04/2024 99.99 0.01 1094 808 10.55% 10.55%
13/04/2024 99.99 0.01 822 764 10.37% 10.37%
14/04/2024 99.99 0.01 518 783 10.40% 10.40%
15/04/2024 99.99 0.01 697 796 10.87% 10.87%
16/04/2024 99.99 0.01 581 823 14.41% 14.41%
17/04/2024 99.99 0.01 655 874 10.79% 10.79%
18/04/2024 99.99 0.01 1058 779 10.47% 10.47%
19/04/2024 99.99 0.01 4305 784 10.14% 10.14%
20/04/2024 99.99 0.01 521 754 8.99% 8.99%
21/04/2024 99,99 0.01 487 792 9.08% 9.08%
22/04/2024 99.99 0.01 5788 798 9.96% 9.96%
23/04/2024 99.99 0.01 1054 869 9.40% 9.40%
24/04/2024 99.99 0.01 553 817 9.36% 9.36%
25/04/2024 99.99 0.01 624 773 9.78% 9.78%
26/04/2024 99.99 0.01 611 824 9.36% 9.36%
27/04/2024 99.99 0.01 646 822 8.75% 8.75%
28/04/2024 99.99 0.01 629 748 8.92% 8.92%
29/04/2024 99.99 0.01 617 940 9.58% 9.58%
30/04/2024 99.99 0.01 892 817 9.82% 9.82%

 

March 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
01/03/2024 100 0 91 87 n/a 0.14% 0.00% n/a
02/03/2024 100 0 98 86 n/a 0.11% 0.00% n/a
03/03/2024 100 0 88 91 n/a 0.12% 0.00% n/a
04/03/2024 100 0 91 84 n/a 0.13% 0.00% n/a
05/03/2024 100 0 97 99 n/a 0.18% 0.00% n/a
06/03/2024 100 0 84 92 n/a 0.24% 0.00% n/a
07/03/2024 100 0 97 78 n/a 0.39% 0.00% n/a
08/03/2024 100 0 99 81 n/a 0.24% 0.00% n/a
09/03/2024 100 0 101 93 n/a 0.20% 0.00% n/a
10/03/2024 100 0 101 81 n/a 0.20% 0.00% n/a
11/03/2024 100 0 103 101 n/a 0.24% 0.00% n/a
12/03/2024 100 0 99 99 n/a 0.32% 0.00% n/a
13/03/2024 100 0 98 87 n/a 0.20% 0.00% n/a
14/03/2024 100 0 97 89 n/a 0.22% 0.00% n/a
15/03/2024 100 0 103 86 n/a 0.24% 0.00% n/a
16/03/2024 100 0 101 86 n/a 0.19% 0.00% n/a
17/03/2024 100 0 103 92 n/a 0.17% 0.00% n/a
18/03/2024 100 0 96 89 n/a 0.17% 0.00% n/a
19/03/2024 100 0 95 93 n/a 0.18% 0.00% n/a
20/03/2024 100 0 102 97 n/a 0.18% 0.00% n/a
21/03/2024 100 0 105 83 n/a 0.19% 0.00% n/a
22/03/2024 100 0 101 81 n/a 0.18% 0.00% n/a
23/03/2024 100 0 97 87 n/a 0.18% 0.00% n/a
24/03/2024 100 0 99 81 n/a 0.20% 0.00% n/a
25/03/2024 100 0 92 92 n/a 0.27% 0.00% n/a
26/03/2024 100 0 91 94 n/a 0.54% 0.00% n/a
27/03/2024 100 0 103 99 n/a 0.46% 0.00% n/a
28/03/2024 100 0 107 78 n/a 0.18% 0.00% n/a
29/03/2024 100 0 99 83 n/a 0.18% 0.00% n/a
30/03/2024 100 0 87 86 n/a 0.18% 0.00% n/a
31/03/2024 100 0 87 88 n/a 0.17% 0.00% n/a

 

March 2024 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/03/2024 99.99 0.01 671 884 20.54% 20.02%
02/03/2024 99.99 0.01 659 789 21.66% 21.76%
03/03/2024 99.99 0.01 588 756 22.42% 23.20%
04/03/2024 99.99 0.01 657 884 22.02% 21.75%
05/03/2024 99.99 0.01 617 827 22.98% 22.04%
06/03/2024 99.99 0.01 600 865 22.55% 21.69%
07/03/2024 99.99 0.01 850 845 28.38% 21.18%
08/03/2024 99.99 0.01 743 866 29.31% 21.73%
09/03/2024 99.99 0.01 508 810 22.42% 26.59%
10/03/2024 99.99 0.01 775 770 18.51% 27.39%
11/03/2024 99.99 0.01 594 859 19.95% 21.64%
12/03/2024 99.99 0.01 776 817 20.92% 17.99%
13/03/2024 99.99 0.01 626 818 21.89% 19.33%
14/03/2024 99.99 0.01 810 816 26.17% 20.27%
15/03/2024 99.99 0.01 633 809 28.33% 21.15%
16/03/2024 99.99 0.01 643 748 21.04% 24.65%
17/03/2024 99.99 0.01 683 801 18.58% 26.62%
18/03/2024 99.99 0.01 659 868 12.96% 20.33%
19/03/2024 99.99 0.01 546 882 12.38% 28.06%
20/03/2024 99.99 0.01 634 827 11.67% 12.82%
21/03/2024 99.99 0.01 729 861 11.11% 12.31%
22/03/2024 99.99 0.01 666 830 11.35% 11.63%
23/03/2024 99.99 0.01 845 820 10.96% 11.07%
24/03/2024 99.99 0.01 571 759 12.38% 10.92%
25/03/2024 99.99 0.01 770 853 11.17% 11.15%
26/03/2024 99.99 0.01 736 817 11.35% 11.34%
27/03/2024 99.99 0.01 636 832 10.47% 10.47%
28/03/2024 99.99 0.01 624 858 10.39% 10.39%
29/03/2024 99.99 0.01 664 830 9.66% 9.66%
30/03/2024 99.99 0.01 2879 679 9.88% 9.88%
31/03/2024 99.99 0.01 645 716 10.01% 10.01%

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