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.
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