Policy Guidance
Strengthening trust and accountability in European payments
Our top recommendations
- Encourage real-time fraud intelligence sharing
- Position Verification of Payee (VoP) as a foundational trust layer
- Mandate interoperable, real-time VoP across all relevant payments
- Promote cross-sector collaboration on identity and fraud prevention
- Introduce a more effective liability framework for the digital fraud era
- And much more…
Building a resilient payments ecosystem
At ACI Worldwide, we strongly support the European Commission’s ambition to modernize payments regulation through the third Payment Services Directive (PSD3) and Payment Services Regulation (PSR1).
As fraud becomes more sophisticated and digital adoption accelerates, the need for coordinated, forward-looking policy has never been more urgent.
In this guide, we outline three areas where we believe there is further opportunity to enhance the impact of the PSD3 and PSR1 proposals, driving stronger outcomes. This can help reinforce Europe’s global leadership in digital payments while protecting consumers, merchants, and institutions from the growing threat of financial crime.
We hope this contribution will support a constructive dialogue with policymakers, industry stakeholders, and regulators across the region.
Deliver the benefits of enhanced security
Join us in shaping the future of payments. Explore how our solutions create a world where every transaction is fast, secure, and efficient.
ACI Fraud Management
An AI-enabled solution orchestrating 10,000+ data points, identifying a transaction’s real identity, and exceeding market averages to ensure merchants sell more, lose less, and maximize margins
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ACI Payments Orchestration Platform
Enable customer journeys across commerce channels, accept payments, prevent fraud, and optimize your payments journey with ACI’s true payments orchestration platform