Freemium - PSD3 and PSR: Securing the Future of EU Payments

In this episode, we break down the major political agreement just reached by EU lawmakers on two transformative pieces of legislation: the Payment Services Directive 3 (PSD3) and the new Payment Services Regulation (PSR). Together, these measures set the stage for a modernized, fairer, and more transparent financial ecosystem across Europe.

We explore how the deal aims to crack down on fraud, introduce full reimbursement for victims of impersonation scams, and hold payment providers accountable for transfers sent to mismatched account details. You’ll also hear how the regulations strengthen consumer access to cash, protect open-banking innovators from discriminatory bank practices, and require crystal-clear transparency on fees and exchange-rate margins before any payment is made.

If you want to understand how these upcoming changes will shape the way Europeans pay, bank, and protect their money, this episode breaks it all down in plain language. Tune in!