Payments Compliance PSD3 Guide 2025

PSD3 Pending: Finding your bearings in regulatory limbo

The second Payment Services Directive (PSD2) had ambitious goals, intending to promote innovation and competition, enhance consumer protection, increase security, and harmonise payment rules across the EU.

But it didn’t deliver.

Enter PSD3. The eagerly awaited update to the regulatory framework governing payment services is intended to build on the successes of PSD2, correct its failings, and address emerging challenges in the rapidly evolving payments landscape. Whilst we wait for its review by the European Parliament and Council, payments firms are left navigating a period of uncertainty.

Will the impending third iteration be worth the wait? In this guide, Vixio's experts have compiled essential insights, data, and analysis - spanning from the PSD’s inception to the present day - to better equip you with the knowledge needed to stay ahead and navigate uncertainty with confidence.

Inside, you’ll get access to:

• Evolution timeline of the Payment Services Directive
• PSD2 vs PSD3: A Comparative Overview
• An impact Breakdown of the proposed PSD3

…and more.

Fill out the form to get your copy.