OB-PIS-004PSR 36(4)(d)Payment initiation

Payments to multiple beneficiaries

What the text fixes

The interface lets the PISP initiate payments to multiple beneficiaries.

Article: PSR 36(4)(d)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: API, Product
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: New, with no equivalent in PSD2 or in the 2018 RTS.

STET 1.6.3

Covered

A payment request can carry several instructions to different beneficiaries, up to the limit each bank sets for numberOfTransactions. The text does not define a payment to multiple beneficiaries.

Handbook pages

Sources

Council doc. 8221/26, page 244

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-PIS-004",
  "article": "PSR 36(4)(d)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "api",
    "product"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Paiements à plusieurs bénéficiaires",
    "en": "Payments to multiple beneficiaries",
    "es": "Pagos a varios beneficiarios",
    "pt-br": "Pagamentos a vários beneficiários"
  },
  "level1": {
    "fr": "L'interface permet au PISP d'initier des paiements vers plusieurs bénéficiaires.",
    "en": "The interface lets the PISP initiate payments to multiple beneficiaries.",
    "es": "La interfaz permite al PISP iniciar pagos a varios beneficiarios.",
    "pt-br": "A interface permite ao PISP iniciar pagamentos a vários beneficiários."
  },
  "level2": null,
  "origin": [],
  "stet": {
    "1.6.3": {
      "status": "present",
      "note": {
        "fr": "Une requête de paiement peut porter plusieurs instructions vers des bénéficiaires différents, dans la limite que chaque banque fixe pour `numberOfTransactions`. Le texte ne définit pas le paiement à plusieurs bénéficiaires.",
        "en": "A payment request can carry several instructions to different beneficiaries, up to the limit each bank sets for `numberOfTransactions`. The text does not define a payment to multiple beneficiaries.",
        "es": "Una solicitud de pago puede llevar varias instrucciones a beneficiarios distintos, hasta el límite que cada banco fija para `numberOfTransactions`. El texto no define el pago a varios beneficiarios.",
        "pt-br": "Uma solicitação de pagamento pode trazer várias instruções para beneficiários diferentes, até o limite que cada banco fixa para `numberOfTransactions`. O texto não define o pagamento a vários beneficiários."
      },
      "pages": [
        "flows/8-2-payment-request-with-multiple-instructions-having-different-beneficiaries",
        "endpoints/pisp/payment-requests-post"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 244
    }
  ],
  "verifiedAt": "2026-10-04"
}

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