{"id":10294,"date":"2025-08-06T17:40:04","date_gmt":"2025-08-06T15:40:04","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/psd2\/"},"modified":"2026-01-21T16:05:24","modified_gmt":"2026-01-21T15:05:24","slug":"psd2","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/psd2\/","title":{"rendered":"PSD2"},"content":{"rendered":"

<\/span>Ce este PSD2?<\/strong><\/span><\/h2>\n

PSD2 <\/b>(Payment Services Directive 2) este a doua Directiv\u0103 European\u0103 privind Serviciile de Plat\u0103, o reglementare care reglementeaz\u0103 serviciile de plat\u0103 electronic\u0103 \u00een Uniunea European\u0103. A intrat \u00een vigoare la <\/span>1 ianuarie 2021<\/b> \u0219i a adus o schimbare profund\u0103 at\u00e2t pentru utilizatori, c\u00e2t \u0219i pentru comercian\u021bi, care au trebuit s\u0103 se adapteze la noi m\u0103suri de securitate \u0219i transparen\u021b\u0103.<\/span><\/p>\n

Scopul principal este <\/span>cre\u0219terea securit\u0103\u021bii pl\u0103\u021bilor digitale<\/b> \u0219i protejarea consumatorilor \u00eempotriva fraudei<\/b>. Aceast\u0103 directiv\u0103 \u00eenlocuie\u0219te prima PSD din 2007, care devenise dep\u0103\u0219it\u0103 datorit\u0103 evolu\u021biei <\/span>comer\u021bului online<\/b><\/a> \u0219i a noilor metode de plat\u0103.<\/span><\/p>\n

<\/span>SCA: mai mult\u0103 securitate \u00een pl\u0103\u021bile digitale<\/b><\/span><\/h2>\n

Una dintre principalele nout\u0103\u021bi ale PSD2 este introducerea <\/span>Autentific\u0103rii Puternice a Clientului (SCA)<\/b>. Aceast\u0103 m\u0103sur\u0103 impune verificarea identit\u0103\u021bii utilizatorului, care trebuie s\u0103 \u00eendeplineasc\u0103 cel pu\u021bin dou\u0103 dintre urm\u0103toarele trei elemente:<\/span><\/p>\n

    \n
  • Ceva ce utilizatorul <\/span>de\u021bine<\/b> (de exemplu, telefonul mobil)<\/span><\/li>\n
  • Ceva ce utilizatorul <\/span>\u0219tie<\/b> (de exemplu, un PIN sau o parol\u0103)<\/span><\/li>\n
  • Ceva <\/span>inherent utilizatorului<\/b> (cum ar fi amprenta digital\u0103 sau recunoa\u0219terea facial\u0103)<\/span><\/li>\n<\/ul>\n

    Aceast\u0103 verificare se aplic\u0103 tuturor achizi\u021biilor online din Uniunea European\u0103 sau ori de c\u00e2te ori utilizatorul introduce datele de plat\u0103 pentru tranzac\u021bii viitoare, cum ar fi abonamentele cu perioad\u0103 de prob\u0103.<\/span><\/p>\n

    \"\"<\/p>\n

    <\/span>Noi actori \u00een ecosistemul pl\u0103\u021bilor<\/b><\/span><\/h2>\n

    PSD2 stimuleaz\u0103 apari\u021bia de noi actori \u00een sistemul de pl\u0103\u021bi, cunoscu\u021bi sub denumirea de <\/span>Third Party Providers (TPP)<\/b>, <\/span>adic\u0103 furnizori de servicii ter\u021be<\/b>.\u00a0<\/span><\/p>\n

    Ace\u0219tia pot opera \u00een numele clientului, \u00eentotdeauna cu consim\u021b\u0103m\u00e2ntul acestuia, ceea ce a dat na\u0219tere conceptului de <\/span>open banking<\/b> (banca deschis\u0103).<\/span><\/p>\n

    Aceast\u0103 deschidere elimin\u0103 barierele pentru ca noi companii tehnologice s\u0103 ofere solu\u021bii financiare inovatoare, promov\u00e2nd astfel concuren\u021ba \u0219i servicii mai bune pentru utilizatori.<\/span><\/p>\n

    Printre tipurile de noi furnizori reglementa\u021bi de PSD2 se num\u0103r\u0103 dou\u0103 categorii importante:<\/span><\/p>\n

      \n
    • Account Information Service Providers (AISP)<\/b>: permit accesul la informa\u021biile diferitelor conturi bancare ale utilizatorului, \u00eentotdeauna cu autoriza\u021bie prealabil\u0103.<\/span><\/li>\n
    • Payment Initiation Service Providers (PISP)<\/b>: permit efectuarea pl\u0103\u021bilor direct din contul consumatorului c\u0103tre contul comerciantului.<\/span><\/li>\n<\/ul>\n

      Ace\u0219ti furnizori trebuie s\u0103 respecte acelea\u0219i standarde de securitate ca b\u0103ncile \u0219i institu\u021biile tradi\u021bionale de plat\u0103, pentru a asigura protec\u021bia complet\u0103 a clien\u021bilor.<\/span><\/p>\n

      <\/span>Excep\u021bii de la PSD2<\/b><\/span><\/h2>\n

      Noile reglement\u0103ri europene prev\u0103d anumite <\/span>tranzac\u021bii exceptate<\/b>:<\/span><\/p>\n

        \n
      • Tranzac\u021bii<\/span> cu risc sc\u0103zut<\/b>, atunci c\u00e2nd rata fraudei este controlat\u0103.<\/span><\/li>\n
      • Tranzac\u021bii<\/span> de valoare mic\u0103<\/b>, dac\u0103 suma este egal\u0103 sau mai mic\u0103 de 30\u20ac, suma acumulat\u0103 scutit\u0103 este egal\u0103 sau mai mic\u0103 de 100\u20ac, sau totalul tranzac\u021biilor scutite este egal sau mai mic de 5.<\/span><\/li>\n
      • Tranzac\u021bii<\/span> recurente<\/b>, cu aceea\u0219i sum\u0103 \u0219i acela\u0219i mijloc de plat\u0103.<\/span><\/li>\n
      • Tranzac\u021bii ale comercian\u021bilor inclu\u0219i \u00eentr-o <\/span>list\u0103 alb\u0103 <\/b>de c\u0103tre client.<\/span><\/li>\n
      • Tranzac\u021bii<\/span> ini\u021biate prin telefon, email sau po\u0219t\u0103.<\/b><\/li>\n
      • Pl\u0103\u021bi<\/span> corporative <\/b>cu carduri de companie.<\/span><\/li>\n
      • Pl\u0103\u021bi<\/span> \u00een afara Uniunii Europene.<\/b><\/li>\n<\/ul>\n

        <\/span>Cum afecteaz\u0103 PSD2 comer\u021bul online<\/b><\/span><\/h2>\n

        Aplicarea PSD2 este <\/span>obligatorie pentru toate afacerile online care v\u00e2nd produse \u00een Uniunea European\u0103<\/b>. Ini\u021bial, implementarea a redus ratele de conversie din cauza necunoa\u0219terii utilizatorilor, dar ast\u0103zi companiile specializate \u00een pl\u0103\u021bi digitale asigur\u0103 conformitate total\u0103 f\u0103r\u0103 a afecta experien\u021ba de cump\u0103rare.<\/span><\/p>\n

        PaynoPain<\/b> \u00eendepline\u0219te toate cerin\u021bele PSD2<\/b>, f\u0103c\u00e2nd procesul de cump\u0103rare rapid \u0219i de \u00eencredere pentru clien\u021bi. Integrarea u\u0219oar\u0103 cu sistemele de ecommerce, <\/span>garan\u021biile de securitate<\/b> (certificare PCI, autentific\u0103ri 3D Secure \u0219i sistem antifraud\u0103 inteligent) \u0219i accentul pe o <\/span>experien\u021b\u0103 intuitiv\u0103<\/b> pentru utilizator asigur\u0103 rate mai mari de conversie.<\/span><\/p>\n

        <\/span>PSD2 \u0219i pl\u0103\u021bile recurente<\/b><\/span><\/h2>\n

        Pentru comercian\u021bii care gestioneaz\u0103 produse sau serviciile prin platforme de pl\u0103\u021bi (<\/span>abonamente lunare, trimestriale sau similare)<\/b>, utilizatorul trebuie s\u0103 autentifice doar <\/span>prima plat\u0103<\/b>. Pl\u0103\u021bile urm\u0103toare sunt exceptate dac\u0103 \u00eendeplinesc condi\u021biile:<\/span><\/p>\n

          \n
        • Aceea\u0219i sum\u0103 \u0219i periodicitate<\/span><\/li>\n
        • Acela\u0219i mijloc de plat\u0103<\/span><\/li>\n
        • Acela\u0219i beneficiar<\/span><\/li>\n<\/ul>\n

          <\/span>Avantajele PSD2<\/b><\/span><\/h2>\n

          PSD2 ofer\u0103 mai multe beneficii pentru consumatori \u0219i comercian\u021bi:<\/span><\/p>\n

          Mai mult\u0103 securitate<\/b><\/h3>\n

          Se cer dou\u0103 dintre cele trei elemente ale Autentific\u0103rii Puternice a Clientului, reduc\u00e2nd frauda online \u0219i cresc\u00e2nd \u00eencrederea utilizatorilor \u00een pl\u0103\u021bile digitale.<\/span><\/p>\n

          Pl\u0103\u021bi mai rapide<\/b><\/h3>\n

          Reducerea timpului necesar pentru efectuarea pl\u0103\u021bilor, realizate imediat dup\u0103 autorizare.<\/span><\/p>\n

          Corec\u021bia imediat\u0103 a tranzac\u021biilor neautorizate<\/b><\/h3>\n

          Responsabilitatea utilizatorului pentru pl\u0103\u021bile neautorizate este redus\u0103 la 50\u20ac (anterior 150\u20ac) \u00eenainte de notificare.<\/span><\/p>\n

          Mai mult control asupra datelor financiare<\/b><\/h3>\n

          Consumatorii pot partaja informa\u021biile financiare cu ter\u021bi, consolid\u00e2nd toate conturile \u00eentr-o singur\u0103 platform\u0103 pentru o gestionare mai u\u0219oar\u0103.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

          Ce este PSD2?<\/p>\n

          PSD2 (Payment Services Directive 2) este cea mai nou\u0103 reglementare european\u0103 privind serviciile de plat\u0103, care afecteaz\u0103 pl\u0103\u021bile online, cu cardul \u0219i prin dispozitive mobile.<\/p>\n","protected":false},"featured_media":9305,"template":"","meta":{"_acf_changed":false},"class_list":["post-10294","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nPSD2 - PaynoPain<\/title>\n<meta name=\"description\" content=\"\u00ce\u021bi explic\u0103m \u00een ce const\u0103 reglementarea european\u0103 PSD2, ce schimb\u0103ri \u0219i \u00eembun\u0103t\u0103\u021biri a adus pentru comercian\u021bi \u0219i utilizatori \u0219i multe altele.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/ro\/glosar\/psd2\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PSD2 - 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