{"id":10294,"date":"2025-08-06T17:40:04","date_gmt":"2025-08-06T15:40:04","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/psd2\/"},"modified":"2026-06-30T16:27:24","modified_gmt":"2026-06-30T14:27:24","slug":"psd2","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/psd2\/","title":{"rendered":"PSD2"},"content":{"rendered":"<h2 data-start=\"5879\" data-end=\"5899\"><span class=\"ez-toc-section\" id=\"Ce_este_PSD2\"><\/span><strong data-start=\"5882\" data-end=\"5899\">Ce este PSD2?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>PSD2 <\/b><span style=\"font-weight: 400;\">(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><b>1 ianuarie 2021<\/b><span style=\"font-weight: 400;\"> \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<p><span style=\"font-weight: 400;\">Scopul principal este <\/span><b>cre\u0219terea securit\u0103\u021bii pl\u0103\u021bilor digitale<\/b> <b>\u0219i protejarea consumatorilor \u00eempotriva <a href=\"https:\/\/paynopain.com\/ro\/glosar\/frauda-online\/\">fraudei<\/a><\/b><span style=\"font-weight: 400;\">. Aceast\u0103 directiv\u0103 \u00eenlocuie\u0219te prima PSD din 2007, care devenise dep\u0103\u0219it\u0103 datorit\u0103 evolu\u021biei <\/span><a href=\"https:\/\/paynopain.com\/ro\/caz-utilizare\/procesator-plati-ecommerce\/\"><b>comer\u021bului online<\/b><\/a><span style=\"font-weight: 400;\"> \u0219i a noilor metode de plat\u0103.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"SCA_mai_multa_securitate_in_platile_digitale\"><\/span><b>SCA: mai mult\u0103 securitate \u00een pl\u0103\u021bile digitale<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Una dintre principalele nout\u0103\u021bi ale PSD2 este introducerea <\/span><a href=\"https:\/\/paynopain.com\/ro\/glosar\/sca-o-autenticacion-reforzada\/\"><b>Autentific\u0103rii Puternice a Clientului (SCA)<\/b><\/a><span style=\"font-weight: 400;\">. 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<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceva ce utilizatorul <\/span><b>de\u021bine<\/b><span style=\"font-weight: 400;\"> (de exemplu, telefonul mobil)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceva ce utilizatorul <\/span><b>\u0219tie<\/b><span style=\"font-weight: 400;\"> (de exemplu, un PIN sau o parol\u0103)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ceva <\/span><b>inherent utilizatorului<\/b><span style=\"font-weight: 400;\"> (cum ar fi amprenta digital\u0103 sau recunoa\u0219terea facial\u0103)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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 <a href=\"https:\/\/paynopain.com\/ro\/solutie\/abonamente\/\">abonamentele<\/a> cu perioad\u0103 de prob\u0103.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-14610\" src=\"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/08\/SCA-ro-1.png\" alt=\"\" width=\"750\" height=\"500\" srcset=\"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/08\/SCA-ro-1.png 750w, https:\/\/paynopain.com\/wp-content\/uploads\/2025\/08\/SCA-ro-1-300x200.png 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Noi_actori_in_ecosistemul_platilor\"><\/span><b>Noi actori \u00een ecosistemul pl\u0103\u021bilor<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">PSD2 stimuleaz\u0103 apari\u021bia de noi actori \u00een sistemul de pl\u0103\u021bi, cunoscu\u021bi sub denumirea de <\/span><b>Third Party Providers (TPP)<\/b><span style=\"font-weight: 400;\">, <\/span><b>adic\u0103 furnizori de servicii ter\u021be<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ace\u0219tia pot opera \u00een numele clientului, \u00eentotdeauna cu consim\u021b\u0103m\u00e2ntul acestuia, ceea ce a dat na\u0219tere conceptului de <\/span><b>open banking<\/b><span style=\"font-weight: 400;\"> (banca deschis\u0103).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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<p><span style=\"font-weight: 400;\">Printre tipurile de noi furnizori reglementa\u021bi de PSD2 se num\u0103r\u0103 dou\u0103 categorii importante:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Account Information Service Providers (AISP)<\/b><span style=\"font-weight: 400;\">: permit accesul la informa\u021biile diferitelor conturi bancare ale utilizatorului, \u00eentotdeauna cu autoriza\u021bie prealabil\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payment Initiation Service Providers (PISP)<\/b><span style=\"font-weight: 400;\">: permit efectuarea pl\u0103\u021bilor direct din contul consumatorului c\u0103tre contul comerciantului.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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<h2><span class=\"ez-toc-section\" id=\"Exceptii_de_la_PSD2\"><\/span><b>Excep\u021bii de la PSD2<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Noile reglement\u0103ri europene prev\u0103d anumite <\/span><b>tranzac\u021bii exceptate<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tranzac\u021bii<\/span><b> cu risc sc\u0103zut<\/b><span style=\"font-weight: 400;\">, atunci c\u00e2nd rata fraudei este controlat\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tranzac\u021bii<\/span><b> de valoare mic\u0103<\/b><span style=\"font-weight: 400;\">, 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<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tranzac\u021bii<\/span><b> recurente<\/b><span style=\"font-weight: 400;\">, cu aceea\u0219i sum\u0103 \u0219i acela\u0219i mijloc de plat\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tranzac\u021bii ale comercian\u021bilor inclu\u0219i \u00eentr-o <\/span><b>list\u0103 alb\u0103 <\/b><span style=\"font-weight: 400;\">de c\u0103tre client.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tranzac\u021bii<\/span><b> ini\u021biate prin telefon, email sau po\u0219t\u0103.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pl\u0103\u021bi<\/span><b> corporative <\/b><span style=\"font-weight: 400;\">cu carduri de companie.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pl\u0103\u021bi<\/span><b> \u00een afara Uniunii Europene.<\/b><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cum_afecteaza_PSD2_comertul_online\"><\/span><b>Cum afecteaz\u0103 PSD2 comer\u021bul online<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aplicarea PSD2 este <\/span><b>obligatorie pentru toate afacerile online care v\u00e2nd produse \u00een Uniunea European\u0103<\/b><span style=\"font-weight: 400;\">. 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<p><b>PaynoPain<\/b> <b>\u00eendepline\u0219te toate cerin\u021bele PSD2<\/b><span style=\"font-weight: 400;\">, f\u0103c\u00e2nd procesul de cump\u0103rare rapid \u0219i de \u00eencredere pentru clien\u021bi. Integrarea u\u0219oar\u0103 cu<a href=\"https:\/\/paynopain.com\/ro\/caz-utilizare\/procesator-plati-ecommerce\/\"> sistemele de ecommerce<\/a>, <\/span><b>garan\u021biile de securitate<\/b><span style=\"font-weight: 400;\"> (certificare PCI, autentific\u0103ri 3D Secure \u0219i sistem antifraud\u0103 inteligent) \u0219i accentul pe o <\/span><b>experien\u021b\u0103 intuitiv\u0103<\/b><span style=\"font-weight: 400;\"> pentru utilizator asigur\u0103 rate mai mari de conversie.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"PSD2_si_platile_recurente\"><\/span><b>PSD2 \u0219i pl\u0103\u021bile recurente<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru comercian\u021bii care gestioneaz\u0103 produse sau serviciile prin platforme de pl\u0103\u021bi (<\/span><b>abonamente lunare, trimestriale sau similare)<\/b><span style=\"font-weight: 400;\">, utilizatorul trebuie s\u0103 autentifice doar <\/span><b>prima plat\u0103<\/b><span style=\"font-weight: 400;\">. Pl\u0103\u021bile urm\u0103toare sunt exceptate dac\u0103 \u00eendeplinesc condi\u021biile:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aceea\u0219i sum\u0103 \u0219i periodicitate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acela\u0219i mijloc de plat\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acela\u0219i beneficiar<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Avantajele_PSD2\"><\/span><b>Avantajele PSD2<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">PSD2 ofer\u0103 mai multe beneficii pentru consumatori \u0219i comercian\u021bi:<\/span><\/p>\n<h3><b>Mai mult\u0103 securitate<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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<h3><b>Pl\u0103\u021bi mai rapide<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Reducerea timpului necesar pentru efectuarea pl\u0103\u021bilor, realizate imediat dup\u0103 autorizare.<\/span><\/p>\n<h3><b>Corec\u021bia imediat\u0103 a tranzac\u021biilor neautorizate<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Responsabilitatea utilizatorului pentru pl\u0103\u021bile neautorizate este redus\u0103 la 50\u20ac (anterior 150\u20ac) \u00eenainte de notificare.<\/span><\/p>\n<h3><b>Mai mult control asupra datelor financiare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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":"<p>Ce este PSD2?<\/p>\n<p>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":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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