Whitepaper: PSD3 & PSR – Practical Guidance for Banks and Payment Institutions

Discover which changes will affect your institution – and how to prepare effectively now

Payment Services Directive 3 & Payment Service Regulation

Whitepaper

August 18, 2025

Are you ready for the most significant payments reform since PSD2?

Registration vs. Licensing at a Glance

Horizontale Timeline zu PSD3 mit vier Meilensteinen: Inkrafttreten, +18 Monate Dokumentation, +24 Monate Risiko, Abschluss mit Licensing.Horizontal timeline for PSD3 with four milestones: Entry into force · +18 months documentation · +24 months risk · Conclusion with licensinComparison of registration requirement vs. authorisation requirement under PSD3/PSR

THE REORIENTATION OF EUROPEAN PAYMENTS – A STRATEGIC ROADMAP FOR INSTITUTIONS

Image of a european map in blue colors and with yellow nodes and lines to illustrate the connection between the EU Member Countries. Payment Services Directive 3 Whitepaper Cover

Are you ready for the most significant payments reform since PSD2?

With the third Payment Services Directive (PSD3) and the new Payment Services Regulation (PSR), far-reaching changes will take effect from 2026/2027. European payments will be fundamentally transformed – going far beyond the evolution of PSD2

The Challenges for Institutions:

👉 Massive impact: PSD3/PSR introduces far-reaching changes for banks, payment institutions and e-money institutions. Strategic realignments are inevitable.

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👉 Tight deadlines: Those who fail to act now risk implementation gaps and regulatory pressure later on.

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👉 Increased complexity: New EU requirements are adding further layers of compliance obligations, which many institutions have not yet fully grasped.

What you will find in the whitepaper:

✓ 30+ pages of in-depth analysis of the planned changes
✓ Concrete recommendations for action to support implementation
✓ Detailed overview of all changes compared to PSD2
✓ Timeline and roadmap for the coming years

Target audience:

Executives, compliance officers and legal departments of banks, payment institutions and e-money institutions.

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‍Make the most of the remaining preparation time. Institutions that act early turn PSD3/PSR into a competitive advantage – instead of merely reacting.

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Illustration of a crossroads: the left path represents ‘Registration’ (simple), the right path represents ‘Licensing’ (complex). Colour scheme in dark blue, teal and gold.

Why the distinction between registration and licensing matters now

PSD3 and PSR introduce clearer rules for payment institutions and FinTechs. But when is a simple registration sufficient – and when is a full licensing procedure required? In our latest expert article, we explain the key differences, the risks of misinterpretation, and how to align your business model with regulatory requirements in time.

More information

Every institution faces its own challenges. Together, we will identify how to implement PSD3 & PSR in the most effective way

Let’s review together how you can put regulatory requirements into practice – efficiently and effectively

30 minutes for more clarity – book your appointment

Free & non-binding · 30 minutes · Remote