OB-OBS-012PSR 44(1)(l)Prohibited obstacles

Two SCAs in a payment-initiation-only journey

What the text fixes

When the PISP sends all the information needed, the ASPSP may not require one SCA for the funds confirmation and a second one for the initiation.

Article: PSR 44(1)(l)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, Audit and pentest
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

A payment request is confirmed with a single authentication, and the PISP has no separate funds confirmation call.

Handbook pages

Sources

Council doc. 8221/26, page 264

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-OBS-012",
  "article": "PSR 44(1)(l)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "product",
    "api",
    "pentest"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Deux SCA dans un parcours d'initiation seul",
    "en": "Two SCAs in a payment-initiation-only journey",
    "es": "Dos SCA en un recorrido solo de iniciación",
    "pt-br": "Duas SCAs numa jornada só de iniciação"
  },
  "level1": {
    "fr": "Quand le PISP transmet toutes les informations nécessaires, l'ASPSP ne peut pas exiger une SCA pour la confirmation des fonds et une seconde pour l'initiation.",
    "en": "When the PISP sends all the information needed, the ASPSP may not require one SCA for the funds confirmation and a second one for the initiation.",
    "es": "Cuando el PISP transmite toda la información necesaria, el ASPSP no puede exigir una SCA para la confirmación de fondos y otra para la iniciación.",
    "pt-br": "Quando o PISP envia todas as informações necessárias, o ASPSP não pode exigir uma SCA para a confirmação de fundos e outra para a iniciação."
  },
  "level2": null,
  "origin": [
    {
      "act": "rts-2018-389",
      "articles": "32(3)"
    },
    {
      "act": "eba-opinion-2020"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "present",
      "note": {
        "fr": "Une requête de paiement se confirme avec une seule authentification, et le PISP n'a pas d'appel séparé de confirmation des fonds.",
        "en": "A payment request is confirmed with a single authentication, and the PISP has no separate funds confirmation call.",
        "es": "Una solicitud de pago se confirma con una sola autenticación, y el PISP no tiene una llamada aparte de confirmación de fondos.",
        "pt-br": "Uma solicitação de pagamento é confirmada com uma única autenticação, e o PISP não tem uma chamada separada de confirmação de fundos."
      },
      "pages": [
        "endpoints/pisp/payment-request-confirmation-post",
        "flows/8-2-payment-request-with-multiple-instructions-having-different-beneficiaries"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 264
    }
  ],
  "verifiedAt": "2026-10-04"
}

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