Visa's rules make a cardholder responsible for an agent's purchase as if they initiated it. PSD2 asks whether they consented. A 2024 CJEU case on human proxies suggests what an issuer will have to prove, and the answer runs through the record of what the agent was told.
Four PSR articles with small textual changes and a changed obligation in each. A method for checking the obligations in your implementation plan against the April compromise, using the comparison and following its references.
Connect ChatGPT or Claude directly to paymentslaw.eu and check the sources behind an SCA answer. A free, read-only connection to 51 curated EU payments instruments, with provisions, source editions and citations you can open.
Strong Customer Authentication is being moved into a directly applicable regulation, not just amended. Your transition plan needs to separate what the text specifies, what waits on the EBA, and what it assumes about the handover. The law leaves that last part implicit.
A May forecast for summer publication has come and gone. The official record now points to December, and carries a status line that reads backwards until you know the procedure.
The PSD3 and PSR timetable has moved, but many summaries have not. The April 2026 compromise texts change the planning assumptions and contain two easily missed provisions that apply from entry into force.
