OB-OBS-006PSR 44(1)(f)Prohibited obstacles

Limiting payments to the payer's beneficiary list

What the text fixes

The ASPSP may not limit initiation through a PISP to payees on the payer's beneficiary list, unless the customer interface has the same limit.

Article: PSR 44(1)(f)Provisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.
Who is bound: ASPSP
Who it is for: Product, API
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: RTS 2018/389, Art. 32(3); EBA Opinion of 4 June 2020 on obstacles

STET 1.6.3

Covered

Nothing in the specification limits the payee to the trusted list. See also OB-PIS-005.

Handbook pages

Sources

Council doc. 8221/26, page 262

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-OBS-006",
  "article": "PSR 44(1)(f)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "product",
    "api"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Limiter aux bénéficiaires de la liste du payeur",
    "en": "Limiting payments to the payer's beneficiary list",
    "es": "Limitar a los beneficiarios de la lista del ordenante",
    "pt-br": "Limitar aos beneficiários da lista do pagador"
  },
  "level1": {
    "fr": "L'ASPSP ne peut pas limiter l'initiation par un PISP aux bénéficiaires de la liste du payeur, sauf si l'interface client a la même limite.",
    "en": "The ASPSP may not limit initiation through a PISP to payees on the payer's beneficiary list, unless the customer interface has the same limit.",
    "es": "El ASPSP no puede limitar la iniciación a través de un PISP a los beneficiarios de la lista del ordenante, salvo que la interfaz de cliente tenga el mismo límite.",
    "pt-br": "O ASPSP não pode limitar a iniciação por um PISP aos beneficiários da lista do pagador, salvo se a interface do cliente tiver o mesmo limite."
  },
  "level2": null,
  "origin": [
    {
      "act": "rts-2018-389",
      "articles": "32(3)"
    },
    {
      "act": "eba-opinion-2020"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "present",
      "note": {
        "fr": "Rien dans la spécification ne limite le bénéficiaire à la liste de confiance. Voir aussi OB-PIS-005.",
        "en": "Nothing in the specification limits the payee to the trusted list. See also OB-PIS-005.",
        "es": "Nada en la especificación limita el beneficiario a la lista de confianza. Véase también OB-PIS-005.",
        "pt-br": "Nada na especificação limita o beneficiário à lista de confiança. Ver também OB-PIS-005."
      },
      "pages": [
        "endpoints/pisp/payment-requests-post",
        "resources/beneficiary"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 262
    }
  ],
  "verifiedAt": "2026-10-04"
}

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