Guideline 7: Data breakdown

7.1 For e-money payment transactions as defined in Directive 2009/110/EC, the payment service provider should provide data in accordance with Data Breakdown F in Annex 2.

7.2 When providing data on e-money transactions, the payment service provider should include e-money payment transactions

• a. where the payer’s PSP is identical to the payee’s PSP, or
• b. where a card with an e-money functionality is used.

7.3 The payment service provider for the purpose of e-money payment transactions should report data on volumes and values of all payment transactions, as well as volumes and values of fraudulent payment transactions, with the following breakdowns:

• a. geographical perspective,
• b. payment channel,
• c. authentication method,
• d. reason for not applying strong customer authentication (referring to the exemptions to strong customer authentication detailed in chapter 3 of the Regulatory technical standards on strong customer authentication and common and secure communication, Commission Delegated Regulation (EU) 2018/389 ► A1,

or to either of the categories “Merchant initiated transactions” and “Other”, where applicable), and

• e. fraud types.

7.4 For money remittance services, the payment service provider should provide data in accordance with Data Breakdown G in Annex 2 and as specified in Guideline 1.3. The payment service provider offering these services should report data on volumes and values of all payment transactions and fraudulent payment transactions in Guideline 2.1 with the geographical perspective.

7.5 When providing provides payment initiation services, the payment service provider should provide data in accordance with Data Breakdown H in Annex 2. The payment service provider should report the executed payment transactions it initiated and the executed fraudulent transactions it initiated, both by volume and value.

7.6 For those payment transactions that qualify for Data Breakdown H in Annex 2, the payment service provider offering payment initiation services should record and report data on volumes and values with the following breakdowns:

• a. geographical perspective,
• b. payment instrument,
• c. payment channel, and
• d. authentication method.

7.7 A payment service provider that does not manage the account of the payment service user but issues and executes card-based payments (a card-based payment instrument issuer) should provide data on volumes and values, in accordance with Data Breakdown C and/or E in Annex 2. When such data are provided, the account service payment service provider should ensure that no double-reporting of such transactions occur.

7.8 The payment service provider offering credit transfer and card based payment services should provide data in accordance with Data Breakdowns A, C and/or D in Annex 2, depending on the payment instrument used for a given payment transaction and on the role of the payment service provider. The data include:

• a. geographical perspective,
• b. payment channel,
• c. authentication method,
• d. reason for not applying strong customer authentication (referring to exemptions to strong customer authentication detailed in chapter 3 of the RTS on SCA and CSC, ► A1 or to either of the categories “Merchant initiated transactions” and “Other”, where applicable),

• e. fraud types,
• f. card function for Data Breakdowns C and D, and
• g. payment transactions initiated via a payment initiation service provider for Data Breakdown A.

7.9 The payment service provider should provide data in accordance with Data Breakdown A in Annex 2 for all payment transactions and fraudulent payment transactions executed using credit transfers.

7.10 The payment service provider should provide data in accordance with Data Breakdown B in Annex 2 for all payment transactions and fraudulent payment transactions executed using direct debits. The data include:

• a. geographical perspective,
• b. channel used for the consent to be given, and
• c. fraud types.

7.11 The payment service provider should provide data in accordance with Data Breakdown C in Annex 2 for all payment transactions and fraudulent payment transactions on the issuer side where a payment card was used and the payment service provider was the payer’s payment service provider.

7.12 The payment service provider should provide data in accordance with Data Breakdown D in Annex 2 for all payment transactions and fraudulent payment transactions on the acquiring side where a payment card was used and the payment service provider is the payee’s payment service provider.

7.13 The payment service provider providing data in accordance with Data Breakdowns A to F in Annex 2 should report all losses due to fraud per liability bearer during the reporting period.

7.14 The payment service provider reporting card payment transactions in accordance with Data Breakdowns C and D in Annex 2 should exclude cash withdrawals and cash deposits.

7.15 The payment service provider (issuer) should provide data in accordance with Data Breakdown E in Annex 2 for all cash withdrawals and fraudulent cash withdrawals ► A1 at ATMs (including via apps), at bank counters and through retailers (‘cash back’) using a card.

1. Přehled

1.1 Odkazy

1.2 Identifikované požadavky

1.3 Související standardy

2. Identifikované požadavky

3. Související standardy

• EBA - Published by the European Banking Authority at https://www.eba.europa.eu/