# PSR Article 35 — Provision of dedicated access interfaces Textual state: amended_substantial. 235 words changed - Current text: Council final compromise text (Council document 8221/26) — not yet law. - Compared against: COM(2023) 367 final — superseded. - Classification is mechanical; method: https://paymentslaw.eu/method/ - Editorial review state: not_assessed. Markers are curated and selective, not a complete assessment. Word-level diff, proposal → compromise: `{+text+}` was inserted, `[-text-]` was deleted. ## Paragraph 1 1. Account servicing payment service providers that offer to a payer a payment account that is accessible online shall have in place at least one dedicated interface for the purpose of data exchange with account information and payment initiation service providers. ## Paragraph 2 2. [-Without prejudice to Articles 38 and 39, account -]{+Account +}servicing payment service providers [-that offer to a payer a payment account that is accessible online and have -]{+shall +}put in place [-a -]{+their +}dedicated interface [-as referred to in paragraph 1 -]{+within three months +}of [-this Article, -]{+obtaining their authorisation. The account servicing payment service provider +}shall [-not be obliged to also maintain permanently another interface as fall-back for -]{+provide +}the [-purpose -]{+relevant technical documentation +}of [-data exchange with -]{+the dedicated interface without undue delay, upon request by authorised payment initiation service providers, +}account information [-and -]{+service providers or by undertakings that have applied to their competent authorities for the relevant authorisation so that these service providers can use the dedicated interface as soon as possible. Account servicing +}payment {+service providers shall always permit access to the dedicated interface in order to allow business continuity for payment +}initiation service {+providers and account information service +}providers. ## Paragraph 3 3. Account servicing payment service providers shall ensure that their dedicated interfaces referred to in paragraph 1 use standards of communication which are issued by European or international standardisation organisations including the European Committee for Standardization (CEN) or the International Organization for Standardization [-(ISO). -]{+(ISO) or other relevant, widely recognised standards offering equivalent security. +}Account servicing payment service providers shall also ensure that the technical specifications of any of the dedicated interfaces referred to in paragraph 1 are documented specifying a set of routines, protocols and tools needed by payment initiation service providers and account information service providers for allowing their software and applications to interoperate with the systems of the account servicing payment service provider. Account servicing payment service providers shall make the documentation on technical specifications of their dedicated interfaces referred to in paragraph 1 available, [-at no -]{+free of +}charge and without {+undue +}delay, upon request by authorised payment initiation service providers, account information service providers or by payment service providers that have applied to their competent authorities for the relevant authorisation and shall make a summary of that documentation publicly available on their website. ## Paragraph 4 4. Account servicing payment service providers shall ensure that, except for emergency situations which prevent them from doing so, any change to the technical specifications of their dedicated interface referred to in paragraph 1 is made [-available -]{+available, as a minimum through publication on their website, +}to authorised payment initiation service providers, account information service providers, or [-payment service providers that have applied to their competent authorities for the -]relevant [-authorisation, -]{+applicant payment institutions as defined +}in {+Article 2(39b) of [PSD3], in +}advance, as soon as possible and not less than [-3 -]{+2 +}months before the change is implemented. Account servicing payment service providers shall document emergency situations where changes were implemented without such advance information and make the documentation available to competent authorities on request. ## Paragraph 5 5. Account servicing payment service providers shall publish on their website quarterly statistics on the [-availability -]{+availability, unplanned unavailability +}and performance of their dedicated [-interface. -]{+interface, and, for comparison purposes, of the interfaces that the account servicing payment service provider makes available to its payment service users for directly accessing their payment account online. +}The performance of the dedicated interfaces shall be measured by the number of successful account information requests over the total number of account information requests, and by the number and transaction volume of the successful payment initiation requests over the total number and transaction volume of the total number of payment initiation requests. ## Paragraph 6 6. Account servicing payment service providers shall make available a testing facility, including support, for connection to the dedicated interfaces and functional testing to enable authorised payment initiation service providers and account information service providers, or [-payment service providers that have applied for the -]relevant [-authorisation, -]{+applicant payment institutions as defined in Article 2(39b) of [PSD3], +}to test their software and applications used for offering a payment service to users. No sensitive payment data or any other personal data shall be shared through the testing facility. ## Paragraph 7 7. In case of an unexpected event or error occurring during the process of identification, authentication, or the exchange of the data elements via the dedicated interface, the account servicing payment service provider shall provide for notification messages to the payment initiation service provider or the account information service provider which explains the reason for the unexpected event or error.