PSD2 Certificates

The growing use of online payment services and their continuous evolution has led to the introduction of the European Payment Services Directive 2 (PSD2).

PSD2 aim to protect consumers against frauds and improve the efficiency of the online payments system. The directive opens the market to new players, Payment Service Providers (PSP) and Third Party Providers (TPPs) giving them the access of user’s data (under explicit consumer consent) to enable payment or other services.

The increasing competition encourages innovative financial solutions, while defines a new and complex online financial system where the users’ banking information and sensitive data are managed by multiple parties.

To improve consumers protection against fraud, PSD2 establish standards to ensure interoperability and the security of users’ data, including the strong customer authentication for e-payments. The Qualified Certificates for Website Authentication (QWAC) and Qualified eSeal Certificate (QSealC) for PSD2 guarantee the security of digital transaction ensuring the integrity of data and the channel.