Last week's SCA essay turned on a distinction that matters if you're planning the transition: an obligation can move to different legal ground while its definition barely changes. You can now check that wording for yourself, in ChatGPT or Claude, against the same sources the essay was written from.
I've opened paymentslaw.eu up as a free MCP server. MCP is the protocol both assistants use to call outside tools, so once you've added one address in your client, a question about the text gets answered from the text.
The corpus holds 51 curated EU instruments in English. Every provision comes back with its source edition, its recorded legal status and a citation you can open. The service is read-only and needs no account or API key, though your client's own sign-in still applies.
Ask it yourself
Connect your AI assistant to paymentslaw.eu, then paste this:
Use paymentslaw.eu to check: What's the definition of SCA, and does the PSR change it? Retrieve both definitions, identify the source version and legal status of each text, and link to both provisions.
What comes back compares PSD2 Article 4(30) with PSR Article 3(35) as it stands in the Council text of April 2026. The Council adds "which is" and changes nothing else: the three element categories, the independence requirement and the confidentiality requirement are carried across word for word. That is a finding about the definition alone, and the wider SCA changes, which is where the essay spent its time, still need reading separately.
Open the citations and check the wording and the source status for yourself, because the connection gives the assistant evidence to work with and leaves the interpretation to you. An empty result tells you the corpus returned nothing, not that no law exists. The privacy notice explains what the logs keep and what the short-lived search cache holds. If an answer looks wrong, I'd like to hear about it at hello@paymentslaw.eu.
What comes next
On 22 September the next essay takes the trust triangle, issuer, merchant and cardholder held together by a protocol, into the PSR: which parts of EMV 3-D Secure were built to satisfy the technical standards rather than the directive, and which of those answers survive the move. Connect the server first and you can check its citations as you read.