Stärkere Harmonisierung im digitalen Binnenmarkt durch die PSD3/PSR

Discussion Paper: Harmonisation of national public registers of payment institutions Introduction PSD2 has sought to contribute to a more integrated and efficient European payments market, further level the playing field for payment service providers by including new players; make payments safer and more secure; and enhance consumer protection in payments. The establishment of public national registers of payment institutions in each member state has significantly contributed to these objectives by enhancing transparency and trust in the payment sector among consumers and businesses. National registers of payment institutions, while a key part of the EU's payment regulations, currently vary significantly between Member States. Some national registers include both domestically registered institutions and those operating within the country but registered and authorised elsewhere. Others only list institutions authorised by their own national competent authority. Inconsistent national registers create confusion for payment services users trying to verify the authorisations and licences held by payment service providers. We believe that a comprehensive national register of authorised payment institutions—including those operating across borders—is vital for strong consumer protection. This would allow consumers to confidently determine whether a payment institution is authorised to provide services in their country. Any institution not listed in the register would be deemed...