Card Payment Swedens nyhetsbrev Q4 2023

Många processer inom betalningsområdet är på väg mot mål – trots motstånd när Belgien tar över ordförandeskapet i EU:s ministerråd från årsskiftet Den innevarande EU-mandatperioden närmar sig sitt slut. Med endast några månader kvar till EU-valet 2024, har lagstiftarna lyckats slutföra arbetet kring flera nyckelfrågor som handlar om kortbetalningar. Under november nåddes enighet under trilogmöte (trilogue) om förordningen kring omedelbara betalningar och lagen om cybermotståndskraft. Samtidigt pågår arbetet med PSR och PSD3, samt den digitala euron, med mål om att slutföra parlamentets ståndpunkt före valet. Vissa ledamöter pekar…

Card Payment Sweden Newsletter Q4/23

As the final full year of this EU institutional mandate draws to a close, with only a few months left before the elections in 2024, EU legislators have managed to complete work on key files of relevance to card payments. Agreements in trilogues were found in November on the Instant Payments Regulation and the Cyber Resilience Act. Meanwhile, work on the PSR and PSD3, as well as the digital euro, is ongoing with the objective of finalising the Parliament’s position before the elections. Read the full newsletter as…

Card Payment Sweden Newsletter Q3/23

With the European institutions shut in August, the summer saw few developments on payments policy. Since the September rentrée, there have been a number of appointments in the Parliament on the last key payments files of this Commission’s term. At the same time, various industry stakeholders have now published their positions on the Payment Services legislative package. Prior to the summer break, the Parliament and Council adopted their preliminary negotiating positions for the Cyber Resilience Act. Meanwhile, the digital euro file progresses. The Spanish Presidency of the Council…

Card Payment Sweden Newsletter Q2/23

The 28th June was a significant day for payments services regulation in the EU. As the Commission races against the clock to publish new legislative proposals to be adopted before the European elections next year, two major packages on Financial data access and payments and on the Single Currency, providing a framework for a Digital euro, were published. On the same day, the Parliament finalised its position on the Instant Payments Regulation, opening the way for final negotiations with the Council. Meanwhile, the European Payments Initiative has reframed…

Card Payment Sweden Newsletter Q1/23

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…

Card Payment Swedens nyhetsbrev Q4 2022

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…

Card Payment Sweden Newsletter (international) Q4/22

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…

Card Payment Sweden Newsletter Q3/22

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…

Vacant position at PNA Card Service AB

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…

Card Payment Sweden Newsletter Q2/22

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…

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