PSD2 (Payment Services Directive), Directive 2015/2366 on payment services in the internal market, a European directive that has the main aim of facilitating payments throughout Europe with greater security and promoting innovation of payment services over the Internet. This Directive has been transposed into the Spanish juridical order in Royal Decree Act 19/2018 on payment services and other urgent measures on financial matters.
These new regulations involve fundamental changes in the industry by allowing third party payment service providers access to Bank infrastructure, in this case, referred as account manager payment services, that is, the payment service provider that facilitates one or various payment accounts to an orderer and takes charge of their maintenance.
They seek, among other matters, to level the playing ground between countries and between payment service providers, thus reinforcing the position of the consumer, who benefits from greater competition. They also aim to standardise new methods of payment, such as those performed online or by mobile telephone, and for account managing payment service providers to open their payment services to third party companies, those called TPPs (Third Party Payment Service Providers). To sum up, third parties, TPPs, are provided access to the client payment accounts at a bank and the payments are initiated on their behalf, with prior authorisation by the account holder.
With PSD2, the payment service user may simply authorise the TPP to execute payments on its behalf through a bank account. That is, the TPP and the bank shall now communicate directly using an API (Application Program Interface).
The companies or professional developers (TPPs) who fulfil the requisites of registration, authorisation and supervision by the competent authorities of each State, may use the APIs, consult their technical specifications and easily test them in a test environment called sandbox.
A continuación, ponemos a su disposición las estadísticas sobre la disponibilidad y rendimiento de las APIs de PSD2 en los últimos meses:
Doubts or incidents that arise, both in the configuration process as well as within the scope of production, shall be resolved in the opening hours, 24 hours a day, 365 days a year, with the following Redsys contact data:
For claims, complaints or incidents that cannot be resolved using the above contact data, there is a client care service at Unicaja Banco, from Monday to Saturday, continuously from 8:00 h. to 22:00 h. on telephones +34 901 246 246 or +34 952 076 263
The service provided by Unicaja Banco on the APIs infrastructure provides high availability, but in the hypothetical case of the service being interrupted, the contingency plan includes deactivation of the access SCA every 90 days to allow web scrapping without validating the eiDAS certificate.