OB-PIS-013PSR 57Payment initiation

Payee verification, PISP liability

What the text fixes

The payee name verification of the SEPA Regulation extends to all credit transfers, and when a verification failure comes from the PISP, the PISP compensates the payer's PSP, which refunds the payer first.

Article: PSR 57 · See also PSR 50Provisional 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: PISP, ASPSP
Who it is for: Compliance, Product
Application: 27 months after entry into force (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

To review

The payment resource carries no payee verification result, and STET 1.6.3 does not say who shows it to the payer in a PISP journey.

Handbook pages

POST /payment-requests

Sources

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-PIS-013",
  "article": "PSR 57",
  "alsoIn": [
    "PSR 50"
  ],
  "articleFinal": null,
  "actors": [
    "pisp",
    "aspsp"
  ],
  "roles": [
    "compliance",
    "product"
  ],
  "appliesAt": "T+27",
  "title": {
    "fr": "Vérification du bénéficiaire, responsabilité du PISP",
    "en": "Payee verification, PISP liability",
    "es": "Verificación del beneficiario, responsabilidad del PISP",
    "pt-br": "Verificação do beneficiário, responsabilidade do PISP"
  },
  "level1": {
    "fr": "La vérification du nom du bénéficiaire du règlement SEPA s'étend à tous les virements, et quand un défaut de vérification vient du PISP, celui-ci indemnise la banque du payeur, qui rembourse d'abord le payeur.",
    "en": "The payee name verification of the SEPA Regulation extends to all credit transfers, and when a verification failure comes from the PISP, the PISP compensates the payer's PSP, which refunds the payer first.",
    "es": "La verificación del nombre del beneficiario del Reglamento SEPA se extiende a todas las transferencias, y cuando un fallo de verificación viene del PISP, este indemniza al proveedor del ordenante, que reembolsa primero al ordenante.",
    "pt-br": "A verificação do nome do beneficiário do Regulamento SEPA se estende a todas as transferências, e quando uma falha de verificação vem do PISP, ele indeniza o prestador do pagador, que reembolsa primeiro o pagador."
  },
  "level2": null,
  "origin": [],
  "stet": {
    "1.6.3": {
      "status": "review",
      "note": {
        "fr": "La ressource de paiement ne porte aucun résultat de vérification du bénéficiaire, et STET 1.6.3 ne dit pas qui le montre au payeur dans un parcours PISP.",
        "en": "The payment resource carries no payee verification result, and STET 1.6.3 does not say who shows it to the payer in a PISP journey.",
        "es": "El recurso de pago no lleva ningún resultado de verificación del beneficiario, y STET 1.6.3 no dice quién lo muestra al ordenante en un recorrido PISP.",
        "pt-br": "O recurso de pagamento não traz nenhum resultado de verificação do beneficiário, e o STET 1.6.3 não diz quem o mostra ao pagador numa jornada PISP."
      },
      "pages": [
        "endpoints/pisp/payment-requests-post"
      ]
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 291
    },
    {
      "document": "8221/26",
      "page": 277
    }
  ],
  "verifiedAt": "2026-10-04"
}

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