Ryktet om kontanternas ”död” är en överdrift. Men det är inte utan orsak som både handlare och konsumenter föredrar kortbetalningar. Därför har Betalningsutredningen rätt i att statens roll i första hand bör vara att hjälpa fler att komma in i den digitala betalningsmarknaden, inte att göra det lättare att hålla fast vid ett dyrare och mer opraktiskt betalningssätt. Betalningsutredningen har presenterat sitt slutbetänkande, en gedigen rapport på 891 sidor, med titeln Staten och betalningarna (SOU 2023:16). Läs nyhetsbrevet här:  Card Payment Swedens nyhetsbrev april 2023

NEW REPORT RECOMMENDS CHANGES TO PSD2 Valdani, Vicari & Associati (VVA) and the Centre for European Policy Studies (CEPS) published a study on the impact of the Second Payment Services Directive (PSD2). The report will serve as a reference point for the European Commission as it drafts its upcoming changes to the directive, expected to be published on 28 June. The report is advisory and non-binding. The authors find future developments in the market, such as the possible adoption of the digital euro or the uptake of crypto…

POSITION PAPER (UPDATED): Card Payment Sweden Statement on the Proposal for an EU Regulation as regards instant credit transfers in euro 2022/0341(COD) Read as PDF CPS acknowledges the European Commission proposal for a regulation on instant payments in euros published on 26 October 2022. The uptake of instant payments could enable more competition in the area of payments for consumers and merchants where today established payment solutions exist for certain transactions like payments for online or physical shopping and peer-to-peer (P2P) payments. For consumers in particular, the choice…

Fri konkurrens och konsumentskydd bör prioriteras – även på betalningsområdet Nu inleds det svenska EU-ordförandeskapet. Möjligheterna att som ordförandeland påverka olika beslutsprocesser ska inte överdrivas, men löftena i programförklaringen om att Sverige ska kämpa för fri konkurrens och konsumentskydd får för den skull inte glömmas bort. Dessa principer bör vara vägledande även inom betalningsområdet. I den svenska programförklaringen inför ordförandeskapet lyfts ”resiliens – konkurrenskraft” fram som en viktig prioritering. Med ”resiliens” avses den långsiktiga förmågan hos ett system att hantera förändringar och fortsätta utvecklas. ”EU måste fortsätta att…

POSITION PAPER: Card Payment Sweden Statement on the Proposal for an EU Regulation on Cyber Resilience Act – (horizontal cybersecurity requirements for products with digital elements and amending Regulation (EU) 2019/1020) Read the statement as PDF   CPS acknowledges the European Commission proposal for a regulation on Cybersecurity requirements  for products with digital elements published on 15 September 2022. While CPS supports the Commission’s efforts to enhance cyber security and target vulnerabilities, we strongly believe the requirements should be better aligned with global established security standards and processes…

POSITION PAPER: Card Payment Sweden Statement on the Proposal for an EU Regulation as regards instant credit transfers in euro 2022/0341(COD) Read the statement as PDF   CPS acknowledges the European Commission proposal for a regulation on instant payments in euros published on 26 October 2022. The uptake of instant payments could enable more competition in the area of payments for consumers and merchants where today established payment solutions exist for certain transactions like payments for online or physical shopping and peer-to-peer (P2P) payments. For consumers in particular,…

Read the newsletter as PDF   EUROPEAN COMMISSION PUBLISHES 2023 WORK PROGRAMME On 18 October, the European Commission published its 2023 Work Programme listing upcoming legislation planned for next year. The programme includes several proposals concerning payments. Namely, the Commission confirmed the revision of the Second Payment Services Directive (PSD2) for the second quarter of 2023, which will be accompanied by a proposal on open finance aimed at improving data access in financial services.  The Commission will also propose legislation laying out the principles for the digital euro…

Read the full newsletter as PDF   Payment Services Directive Review consultation gathers almost 200 comments  The public consultation launched by the European Commission on the revision of the Payment Services Directive closed on 2 August. A targeted stakeholder consultation gathering input from industry closed on 5 July. Stakeholder responses generally welcomed the revision and are broadly aligned on the need for maintaining payment processors and operators of payment systems and schemes out of the scope, as well as for publishing guidance to improve the alignment of the…

PNA Card Service AB (PNA) is looking for a Vice President. In this role you will be expected to support our members, achieving the benefit from the above-mentioned bullet points – within a wide range of cards related activities within security, standardization, scheme rules, regulations, and public relation activities. You must understand the scheme rules from the major card schemes as your direct responsibility will be to administrate and support a pan-nordic committee related to card payment-based activities. You will also be supporting our two domestic card payment…

AFIR PAYMENT PROVISIONS GO THROUGH AMENDMENTS  EU Transport Ministers adopted on 2 June a general approach to the European Commission’s Alternative Fuels Infrastructure Regulation (AFIR). In the general approach, the Council clarified that users of alternative fuels vehicles should be able to recharge or refuel on an ad hoc basis and pay easily and conveniently at all publicly accessible recharging and refuelling points, without the need to enter a contract with the operator of the recharging or refuelling point. On the means of payment, the Council made only…