# PSR Article 88 — Accessibility requirements regarding strong customer authentication

Textual state: amended_substantial. 101 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- Compared against: COM(2023) 367 final — superseded.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. Without prejudice to the accessibility requirements under Directive (EU) 2019/882, payment service providers shall ensure that all their customers, including persons with disabilities, older persons, with low digital skills and those who do not have access to digital channels or payment instruments, have at their disposal at least a means, adapted to their specific situation, which enables them to perform strong customer {+authentication free of charge. In case the payment service user requests help or is in need of assistance, the payment service provider shall ensure that support is provided. This requirement does not extend to providing devices to the payment service user. Payment service providers shall ensure that payment service users are adequately informed about the different means available to them to perform strong customer +}authentication.

## Paragraph 2

2. Payment services providers shall not make the performance of strong customer authentication dependant on the exclusive use of a single means of authentication and shall not make the performance of strong customer authentication depend, explicitly or implicitly, on the possession of a [-smartphone. -]{+smartphone or other smart device, unless the payment service user has agreed to the provision of services exclusively through mobile applications on such device. +}Payment services providers shall develop [-a diversity of -]{+more than one +}means for {+the +}application of strong customer authentication to cater for the specific situation of all their [-customers. -]{+customers including those referred to in paragraph 1.+}