OB-PIS-009PSR 36(4)(hc)Payment initiation

Account, holders and currencies visible before initiation

What the text fixes

Before initiation, the PISP sees the account identifier, the holders' names and the currencies, where the user has access to them.

Article: PSR 36(4)(hc)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

Missing

The PISP can only propose a debtorAccount in its request. It reads nothing about the account before initiation.

Handbook pages

POST /payment-requests

Sources

Council doc. 8221/26, page 245

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-PIS-009",
  "article": "PSR 36(4)(hc)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "api",
    "product"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Compte, titulaires et devises visibles avant l'initiation",
    "en": "Account, holders and currencies visible before initiation",
    "es": "Cuenta, titulares y divisas visibles antes de la iniciación",
    "pt-br": "Conta, titulares e moedas visíveis antes da iniciação"
  },
  "level1": {
    "fr": "Avant l'initiation, le PISP voit l'identifiant du compte, le nom des titulaires et les devises, quand l'utilisateur y a lui-même accès.",
    "en": "Before initiation, the PISP sees the account identifier, the holders' names and the currencies, where the user has access to them.",
    "es": "Antes de la iniciación, el PISP ve el identificador de la cuenta, el nombre de los titulares y las divisas, cuando el usuario tiene acceso a ellos.",
    "pt-br": "Antes da iniciação, o PISP vê o identificador da conta, o nome dos titulares e as moedas, quando o usuário tem acesso a eles."
  },
  "level2": null,
  "origin": [],
  "stet": {
    "1.6.3": {
      "status": "absent",
      "note": {
        "fr": "Le PISP peut seulement proposer un `debtorAccount` dans sa requête. Il ne lit rien sur le compte avant l'initiation.",
        "en": "The PISP can only propose a `debtorAccount` in its request. It reads nothing about the account before initiation.",
        "es": "El PISP solo puede proponer un `debtorAccount` en su solicitud. No lee nada sobre la cuenta antes de la iniciación.",
        "pt-br": "O PISP só pode propor um `debtorAccount` na sua solicitação. Ele não lê nada sobre a conta antes da iniciação."
      },
      "pages": [
        "endpoints/pisp/payment-requests-post"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 245
    }
  ],
  "verifiedAt": "2026-10-04"
}

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