Skip to main content
Developer portal
Switch Language

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.

Oktober 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
01/10/2024 100 0 85 89 n/a 0,28% 0,00% n/a
02/10/2024 100 0 89 92 n/a 0,19% 0,00% n/a
03/10/2024 100 0 87 94 n/a 0,22% 0,00% n/a
04/10/2024 100 0 84 95 n/a 0,13% 0,00% n/a
05/10/2024 100 0 99 99 n/a 0,09% 0,00% n/a
06/10/2024 100 0 92 91 n/a 0,09% 0,00% n/a
07/10/2024 100 0 83 87 n/a 0,14% 0,00% n/a
08/10/2024 100 0 89 85 n/a 0,15% 0,00% n/a
09/10/2024 100 0 91 97 n/a 0,20% 0,00% n/a
10/10/2024 100 0 96 101 n/a 0,23% 0,00% n/a
11/10/2024 100 0 101 99 n/a 0,18% 0,00% n/a
12/10/2024 100 0 100 83 n/a 0,08% 0,00% n/a
13/10/2024 100 0 89 87 n/a 0,11% 0,00% n/a
14/10/2024 100 0 87 89 n/a 0,27% 0,00% n/a
15/10/2024 100 0 85 91 n/a 0,31% 0,00% n/a
16/10/2024 100 0 99 92 n/a 0,14% 0,00% n/a
17/10/2024 100 0 93 87 n/a 0,21% 0,00% n/a
18/10/2024 100 0 82 84 n/a 0,12% 0,00% n/a
19/10/2024 100 0 93 86 n/a 0,11% 0,00% n/a
20/10/2024 100 0 97 91 n/a 0,15% 8,50% n/a
21/10/2024 100 0 101 96 n/a 0,22% 0,00% n/a
22/10/2024 100 0 99 91 n/a 0,31% 0,00% n/a
23/10/2024 100 0 91 87 n/a 0,16% 0,00% n/a
24/10/2024 100 0 93 81 n/a 0,17% 0,00% n/a
25/10/2024 100 0 87 99 n/a 0,16% 0,00% n/a
26/10/2024 100 0 85 94 n/a 0,10% 0,00% n/a
27/10/2024 100 0 87 95 n/a 0,13% 3,16% n/a
28/10/2024 100 0 84 91 n/a 0,12% 0,00% n/a
29/10/2024 100 0 92 89 n/a 0,09% 0,00% n/a
30/10/2024 100 0 90 88 n/a 0,10% 0,00% n/a
31/10/2024 100 0 89 84 n/a 0,10% 0,00% n/a

 

Oktober 2024 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/10/2024 99,99 0,01 544 787 0,01% 0,00%
02/10/2024 99,99 0,01 631 912 0,02% 0,00%
03/10/2024 99,99 0,01 634 842 0,01% 0,00%
04/10/2024 99,99 0,01 690 909 0,01% 0,00%
05/10/2024 99,99 0,01 627 830 0,01% 0,00%
06/10/2024 99,99 0,01 759 932 0,01% 0,00%
07/10/2024 99,99 0,01 688 890 0,01% 0,00%
08/10/2024 99,99 0,01 747 880 0,01% 0,00%
09/10/2024 99,99 0,01 681 944 0,01% 0,00%
10/10/2024 99,99 0,01 625 858 0,01% 0,00%
11/10/2024 99,99 0,01 837 867 0,02% 0,00%
12/10/2024 99,99 0,01 646 824 0,01% 0,00%
13/10/2024 99,99 0,01 583 837 0,02% 0,00%
14/10/2024 99,99 0,01 715 996 0,02% 0,00%
15/10/2024 99,99 0,01 818 861 0,01% 0,00%
16/10/2024 99,99 0,01 654 879 0,02% 0,00%
17/10/2024 99,99 0,01 625 923 0,01% 0,00%
18/10/2024 99,99 0,01 718 846 0,01% 0,00%
19/10/2024 99,99 0,01 835 844 0,01% 0,00%
20/10/2024 99,99 0,01 569 895 0,01% 0,00%
21/10/2024 99,99 0,01 655 979 0,01% 0,00%
22/10/2024 99,99 0,01 616 912 0,02% 0,00%
23/10/2024 99,99 0,01 724 840 0,02% 0,00%
24/10/2024 99,99 0,01 713 898 0,02% 0,00%
25/10/2024 99,99 0,01 662 972 0,05% 0,03%
26/10/2024 99,99 0,01 903 842 0,04% 0,01%
27/10/2024 99,99 0,01 534 930 0,03% 0,01%
28/10/2024 99,99 0,01 756 1012 0,01% 0,00%
29/10/2024 99,99 0,01 764 910 0,01% 0,00%
30/10/2024 99,99 0,01 2819 907 0,01% 0,00%
31/10/2024 99,99 0,01 739 909 0,01% 0,00%

September 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
01/09/2024 100 0 82 91 n/a 0,13% 0,00% n/a
02/09/2024 100 0 87 98 n/a 0,23% 0,00% n/a
03/09/2024 100 0 99 92 n/a 0,15% 0,00% n/a
04/09/2024 100 0 91 94 n/a 0,17% 0,00% n/a
05/09/2024 100 0 87 87 n/a 0,17% 0,00% n/a
06/09/2024 100 0 100 86 n/a 0,15% 0,00% n/a
07/09/2024 100 0 103 100 n/a 0,16% 0,00% n/a
08/09/2024 100 0 87 96 n/a 0,14% 0,00% n/a
09/09/2024 100 0 91 102 n/a 0,30% 0,00% n/a
10/09/2024 100 0 96 91 n/a 0,19% 0,00% n/a
11/09/2024 100 0 82 95 n/a 0,30% 0,00% n/a
12/09/2024 100 0 87 87 n/a 0,19% 0,00% n/a
13/09/2024 100 0 91 99 n/a 0,18% 0,00% n/a
14/09/2024 100 0 83 94 n/a 0,12% 0,00% n/a
15/09/2024 100 0 86 97 n/a 0,11% 2,72% n/a
16/09/2024 100 0 83 103 n/a 0,17% 0,00% n/a
17/09/2024 100 0 102 86 n/a 0,18% 0,00% n/a
18/09/2024 100 0 99 89 n/a 0,15% 0,00% n/a
19/09/2024 100 0 91 85 n/a 0,21% 0,00% n/a
20/09/2024 100 0 87 87 n/a 0,16% 27,35% n/a
21/09/2024 100 0 83 98 n/a 0,12% 0,00% n/a
22/09/2024 100 0 99 95 n/a 0,11% 0,00% n/a
23/09/2024 100 0 96 101 n/a 0,18% 0,00% n/a
24/09/2024 100 0 93 103 n/a 0,18% 0,00% n/a
25/09/2024 100 0 91 99 n/a 0,25% 0,00% n/a
26/09/2024 100 0 99 98 n/a 0,16% 0,00% n/a
27/09/2024 100 0 87 94 n/a 0,18% 0,00% n/a
28/09/2024 100 0 100 92 n/a 0,11% 0,00% n/a
29/09/2024 100 0 91 89 n/a 0,11% 0,00% n/a
30/09/2024 100 0 92 88 n/a 0,18% 0,00% n/a

 

September 2024 - Customer Interface

                              Availability Statistics                                                                                            Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/09/2024 99,99 0,01 632 840 0,01% 0,00%
02/09/2024 99,99 0,01 744 859 0,02% 0,00%
03/09/2024 99,99 0,01 677 851 0,01% 0,00%
04/09/2024 99,99 0,01 719 835 0,02% 0,00%
05/09/2024 99,99 0,01 784 976 0,01% 0,00%
06/09/2024 99,99 0,01 579 869 0,01% 0,00%
07/09/2024 99,99 0,01 542 767 0,02% 0,00%
08/09/2024 99,99 0,01 507 745 0,02% 0,00%
09/09/2024 99,99 0,01 761 877 0,01% 0,00%
10/09/2024 99,99 0,01 613 907 0,03% 0,00%
11/09/2024 99,99 0,01 651 838 0,02% 0,00%
12/09/2024 99,99 0,01 615 813 0,01% 0,00%
13/09/2024 99,99 0,01 680 835 0,01% 0,00%
14/09/2024 99,99 0,01 608 773 0,05% 0,01%
15/09/2024 99,99 0,01 637 789 0,01% 0,00%
16/09/2024 99,99 0,01 651 770 0,01% 0,00%
17/09/2024 99,99 0,01 730 793 0,05% 0,00%
18/09/2024 99,99 0,01 661 799 0,01% 0,00%
19/09/2024 99,99 0,01 747 789 0,01% 0,00%
20/09/2024 99,99 0,01 699 879 0,02% 0,00%
21/09/2024 99,99 0,01 538 712 0,01% 0,00%
22/09/2024 99,99 0,01 561 728 0,02% 0,00%
23/09/2024 99,99 0,01 681 728 0,01% 0,00%
24/09/2024 99,99 0,01 43750 847 0,01% 0,00%
25/09/2024 99,99 0,01 684 812 0,08% 0,01%
26/09/2024 99,99 0,01 528 845 0,01% 0,00%
27/09/2024 99,99 0,01 635 778 0,01% 0,00%
28/09/2024 99,99 0,01 634 755 0,01% 0,00%
29/09/2024 99,99 0,01 599 738 0,01% 0,00%
30/09/2024 99,99 0,01 641 842 0,01% 0,00%

August  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
01/08/2024 100 0 87 94 n/a 0,14% 0,00% n/a
02/08/2024 100 0 83 92 n/a 0,13% 0,00% n/a
03/08/2024 100 0 100 93 n/a 0,11% 0,00% n/a
04/08/2024 100 0 102 98 n/a 0,13% 0,00% n/a
05/08/2024 100 0 101 100 n/a 0,22% 0,00% n/a
06/08/2024 100 0 90 101 n/a 0,27% 0,00% n/a
07/08/2024 100 0 93 89 n/a 0,22% 0,00% n/a
08/08/2024 100 0 96 87 n/a 0,18% 0,00% n/a
09/08/2024 100 0 87 86 n/a 0,18% 0,00% n/a
10/08/2024 100 0 84 92 n/a 0,14% 0,00% n/a
11/08/2024 100 0 89 97 n/a 0,15% 0,00% n/a
12/08/2024 100 0 94 91 n/a 0,28% 0,00% n/a
13/08/2024 100 0 93 98 n/a 0,28% 0,00% n/a
14/08/2024 100 0 89 96 n/a 0,21% 0,00% n/a
15/08/2024 100 0 87 101 n/a 0,28% 0,00% n/a
16/08/2024 100 0 83 91 n/a 0,28% 0,00% n/a
17/08/2024 100 0 99 90 n/a 0,13% 0,00% n/a
18/08/2024 100 0 101 89 n/a 0,13% 0,00% n/a
19/08/2024 100 0 92 87 n/a 0,23% 0,00% n/a
20/08/2024 100 0 96 86 n/a 0,26% 0,00% n/a
21/08/2024 100 0 87 89 n/a 0,25% 0,00% n/a
22/08/2024 100 0 89 91 n/a 0,26% 0,00% n/a
23/08/2024 100 0 90 97 n/a 0,22% 0,00% n/a
24/08/2024 100 0 91 92 n/a 0,16% 2,20% n/a
25/08/2024 100 0 98 98 n/a 0,22% 0,00% n/a
26/08/2024 100 0 94 99 n/a 0,19% 0,00% n/a
27/08/2024 100 0 100 89 n/a 0,22% 0,00% n/a
28/08/2024 100 0 93 99 n/a 0,27% 0,00% n/a
29/08/2024 100 0 87 91 n/a 0,19% 0,00% n/a
30/08/2024 100 0 94 94 n/a 0,24% 0,00% n/a
31/08/2024 100 0 91 99 n/a 0,16% 0,00% n/a

August 2024 - Customer Interface

               Availability Statistics                                                       Performance Statistics

Date Uptime
(%)
Downtime
 (%)
Mobile Interface
millisecs
Browser Interface
millisecs
Mobile Error
response rate
Browser Error
response rate
01/08/2024 99,99 0,01 656 848 0,02% 0,00%
02/08/2024 99,99 0,01 649 852 0,01% 0,00%
03/08/2024 99,99 0,01 573 768 0,01% 0,00%
04/08/2024 99,99 0,01 632 774 0,02% 0,00%
05/08/2024 99,99 0,01 770 824 0,01% 0,00%
06/08/2024 99,99 0,01 689 843 0,01% 0,00%
07/08/2024 99,99 0,01 709 893 0,01% 0,00%
08/08/2024 99,99 0,01 722 830 0,03% 0,00%
09/08/2024 99,99 0,01 978 847 0,01% 0,00%
10/08/2024 99,99 0,01 589 759 0,02% 0,00%
11/08/2024 99,99 0,01 563 776 0,02% 0,00%
12/08/2024 99,99 0,01 661 879 0,01% 0,00%
13/08/2024 99,99 0,01 603 841 0,01% 0,00%
14/08/2024 99,99 0,01 539 859 0,04% 0,00%
15/08/2024 99,99 0,01 667 783 0,03% 0,00%
16/08/2024 99,99 0,01 748 923 0,02% 0,00%
17/08/2024 99,99 0,01 637 830 0,69% 0,06%
18/08/2024 99,99 0,01 639 779 0,01% 0,00%
19/08/2024 99,99 0,01 632 854 0,02% 0,00%
20/08/2024 99,99 0,01 764 857 0,01% 0,00%
21/08/2024 99,99 0,01 713 836 0,01% 0,00%
22/08/2024 99,99 0,01 651 824 0,01% 0,00%
23/08/2024 99,99 0,01 637 912 0,02% 0,00%
24/08/2024 99,99 0,01 813 745 0,01% 0,00%
25/08/2024 99,99 0,01 572 842 0,02% 0,00%
26/08/2024 99,99 0,01 781 812 0,01% 0,00%
27/08/2024 99,99 0,01 646 829 0,02% 0,00%
28/08/2024 99,99 0,01 681 859 0,01% 0,00%
29/08/2024 99,99 0,01 670 877 0,01% 0,00%
30/08/2024 99,99 0,01 885 812 0,00% 0,00%
31/08/2024 99,99 0,01 618 756 0,01% 0,00%
 

About us

KBC Open Banking & Insurance fosters innovation

to take your business to the next level.

Contact us

Solution based questions / Technical based questions : Contact