[Openid-specs-fapi] EMV as a PSD2 compliant method

Dave Tonge dave.tonge at momentumft.co.uk
Fri Jun 5 07:12:50 UTC 2020

Hi Anders

I think you are missing a key part of PSD2 PISPs - it's about "online
ASPSPs only need to provide PISPs access to initiate payments via
mechanisms available to the PSU online.

Other parts of PSD2 cover other payment methods, but not the sections on


On Fri, 5 Jun 2020 at 08:38, Anders Rundgren via Openid-specs-fapi <
openid-specs-fapi at lists.openid.net> wrote:

> AFAICT, EMV is fully aligned with PSD2.  The cards are [generally] issued
> by the ASPSPs and the payment terminal ("SCA application") are endorsed by
> the ASPSPs.  That is, there is no delegation of trust with respect to PSUs
> or their credentials.
> What could a PSD2 TPP do here? Presumably the same thing as Stripe,
> Worldpay, etc.  ("Payment Gateway"), but with the difference that it would
> only need to be licensed.
> If this is a viable business or not is another question but this seems
> equally relevant for the "traditional" PISP as well.
> So, how do we get EMV into the FAPI standard? :)
> Anders
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Dave Tonge
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