Access to the payment account information through an account information service provider

1. Payment service providers shall not apply strong customer authentication where a payment service user is accessing its payment account online through an account information service provider, provided that access is limited to one of the following items online without disclosure of sensitive payment data:

the balance of one or more designated payment accounts;

the payment transactions executed in the last 90 days through one or more designated payment accounts.

2. By way of derogation from paragraph 1, payment service providers shall apply strong customer authentication where one of the following conditions is met:

the payment service user is accessing online the information specified in paragraph 1 for the first time through the account information service provider;

more than 180 days have elapsed since the last time the payment service user accessed online the information specified in paragraph 1 through the account information service provider and strong customer authentication was applied.

3. By way of derogation from paragraph 1, payment service providers shall be allowed to apply strong customer authentication where a payment service user is accessing its payment account online through an account information service provider and the payment service provider has objectively justified and duly evidenced reasons relating to unauthorised or fraudulent access to the payment account. In such a case, the payment service provider shall document and duly justify to its competent national authority, upon request, the reasons for applying strong customer authentication.

4. Account servicing payment service providers that offer a dedicated interface as referred to in Article 31 shall not be required to implement the exemption laid down in paragraph 1 of this Article for the purpose of the contingency mechanism referred to in Article 33(4), where they do not apply the exemption laid down in Article 10 in the direct interface used for authentication and communication with their payment service users.’

in Article 30, the following paragraph 4a is inserted:

‘4a. By way of derogation from paragraph 4, account servicing payment service providers shall make available to the payment service providers referred to in this Article the changes made to the technical specifications of their interfaces in order to comply with Article 10a not less than 2 months before such changes are implemented.’

COMMISSION DELEGATED REGULATION (EU) 2022/2360 of 3 August 2022 amending the regulatory technical standards laid down in Delegated Regulation (EU) 2018/389 as regards the 90-day exemption for account access