{"id":7379,"date":"2023-03-27T00:00:00","date_gmt":"2023-03-26T22:00:00","guid":{"rendered":"https:\/\/paynopain.com\/psd2-standardul-pentru-plati-in-europa\/"},"modified":"2025-11-15T09:23:11","modified_gmt":"2025-11-15T08:23:11","slug":"psd2-standardul-pentru-plati-in-europa","status":"publish","type":"post","link":"https:\/\/paynopain.com\/ro\/blog\/psd2-standardul-pentru-plati-in-europa\/","title":{"rendered":"PSD2 &#8211; Standardul de baz\u0103 pentru pl\u0103\u021bi \u00een Europa"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Ce_este_PSD2\"><\/span>Ce este PSD2?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PSD2 sau &#8222;Directiva privind serviciile de plat\u0103 2&#8221; este standardul de baz\u0103 pentru pl\u0103\u021bile din Uniunea European\u0103. Motivul pentru 2 este c\u0103 este o actualizare a PSD1 anterioare, care a fost, \u00eenc\u0103 din 2007, prima directiv\u0103 european\u0103 privind serviciile de plat\u0103.<\/p>\n<p>PSD2 a fost aprobat \u00een 2015 \u0219i con\u021bine reglement\u0103ri pentru consumatori, precum \u0219i pentru comercian\u021bi \u0219i institu\u021bii financiare, cum ar fi PaynoPain. Scopul PSD2 este de a unifica pia\u021ba de pl\u0103\u021bi din Europa, \u00eencuraj\u00e2nd inova\u021bia \u0219i dezvoltarea tehnologic\u0103 \u00een sectorul financiar, \u00een timp ce \u00eembun\u0103t\u0103\u021be\u0219te protec\u021bia consumatorilor de servicii fintech.<\/p>\n<p>Directivele Uniunii Europene trebuie transpuse \u00een legea na\u021bional\u0103 a statelor membre pentru a fi aplicate efectiv. \u00cen Spania, PSD2 este transpus \u00een legea spaniol\u0103 prin Decretul Regal 19\/2018 privind serviciile de plat\u0103.<\/p>\n<p>Serviciile de plat\u0103 reglementate \u00een Decretul Regal 19\/2018 sunt urm\u0103toarele:<\/p>\n<ul>\n<li>Depunerea de numerar \u00eentr-un cont de plat\u0103<\/li>\n<li>Retragerea de numerar dintr-un cont de plat\u0103<\/li>\n<li>Executarea tranzac\u021biilor de plat\u0103<\/li>\n<li>Emiterea instrumentelor de plat\u0103<\/li>\n<li>Achizi\u021bionarea tranzac\u021biilor de plat\u0103<\/li>\n<li>Trimiterea de bani<\/li>\n<li>Serviciul de ini\u021biere a pl\u0103\u021bii<\/li>\n<li>Serviciul de informa\u021bii despre conturi<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Schimbari_cheie_in_PSD2\"><\/span>Schimb\u0103ri cheie \u00een PSD2<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PSD2 are dou\u0103 piloni principali: inova\u021bia \u00een metodele de plat\u0103 \u0219i securitatea. Pentru a \u00eendeplini aceste obiective de inova\u021bie, PSD2 dezvolt\u0103 urm\u0103toarele:<\/p>\n<ul>\n<li>Cerin\u021bele minime de autentificare: cunoscut\u0103 \u0219i sub denumirea de SCA (Strong Customer Authentication), care oblig\u0103 utilizatorul s\u0103 foloseasc\u0103 o autentificare \u00een dou\u0103 etape \u00een momentul efectu\u0103rii tranzac\u021biilor de plat\u0103. Aceast\u0103 autentificare puternic\u0103 va fi necesar\u0103 atunci c\u00e2nd consumatorul introduce detaliile cardului s\u0103u bancar pe orice site web pentru a face pl\u0103\u021bi viitoare (de exemplu, servicii de streaming pe baz\u0103 de abonament) \u0219i atunci c\u00e2nd face o achizi\u021bie de la un comerciant online situat \u00een Uniunea European\u0103.<\/li>\n<li>Servicii noi reglementate: PSD2 introduce dou\u0103 servicii noi de plat\u0103 pentru a se adapta preferin\u021belor consumatorilor \u0219i pentru a se asigura c\u0103 ace\u0219tia pot accesa noile servicii cu garan\u021bii depline. Aceste servicii sunt:\n<ul>\n<li>Serviciul de Ini\u021biere a Pl\u0103\u021bii (PIS): care permite ordonarea tranzac\u021biilor \u00eentre contul consumatorului \u0219i contul comerciantului printr-o interfa\u021b\u0103 de programare a aplica\u021biilor (API) \u00eentre serviciile lor bancare online, complet\u00e2nd \u00een mod remot informa\u021biile necesare pentru transfer.<\/li>\n<li>Serviciul de Informa\u021bii despre Conturi (IAS): utilizat pentru a colecta, stoca \u0219i organiza informa\u021biile din diferite conturi ale aceluia\u0219i consumator \u00eentr-un mod centralizat.<\/li>\n<\/ul>\n<\/li>\n<li>Deschiderea de c\u0103tre toate institu\u021biile, inclusiv b\u0103nci, a mediilor lor online altor institu\u021bii \u0219i ter\u021be p\u0103r\u021bi. Aceast\u0103 dezvoltare este esen\u021bial\u0103 pentru intrarea de noi juc\u0103tori pe pia\u021b\u0103, \u00een special pentru companiile care furnizeaz\u0103 serviciile men\u021bionate mai sus, deoarece acestea vor putea s\u0103 se conecteze, de obicei prin API-uri, la serviciile bancare online ale consumatorilor (\u00eentotdeauna cu autorizarea lor) f\u0103r\u0103 ca banca lor s\u0103 poat\u0103 s\u0103-i blocheze.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ce_este_o_API\"><\/span>Ce este o API?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>O API (Interfa\u021b\u0103 de programare a aplica\u021biilor) este un software care ac\u021bioneaz\u0103 ca un punte de comunicare \u00eentre banc\u0103 \u0219i diferi\u021bi furnizori de servicii (ter\u021bi furnizori) autoriza\u021bi de consumator. API-urile permit comunic\u0103ri sigure \u00eentre toate p\u0103r\u021bile, garanteaz\u0103 confiden\u021bialitatea datelor consumatorului \u0219i certific\u0103 securitatea tuturor tranzac\u021biilor.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PaynoPain_si_PSD2\"><\/span>PaynoPain \u0219i PSD2<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/paynopain.com\/\">PaynoPain<\/a> este o companie inovatoare angajat\u0103 \u00een spiritul PSD2. Ca entitate licen\u021biat\u0103 supravegheat\u0103 de Banca Spaniei, PaynoPain respect\u0103 cerin\u021bele PSD2 prin reglement\u0103rile spaniole care transpun standardul \u00een legea spaniol\u0103.<\/p>\n<p>Respectarea reglement\u0103rilor PSD2, precum \u0219i a standardelor PCI-DSS, permite PaynoPain s\u0103 asigure confiden\u021bialitatea maxim\u0103 a datelor \u0219i informa\u021biilor despre tranzac\u021bii ale clien\u021bilor \u0219i utilizatorilor s\u0103i.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este PSD2? PSD2 sau &#8222;Directiva privind serviciile de plat\u0103 2&#8221; este standardul de baz\u0103 pentru pl\u0103\u021bile din Uniunea European\u0103. Motivul pentru 2 este c\u0103 este o actualizare a PSD1 anterioare, care a fost, \u00eenc\u0103 din 2007, prima directiv\u0103 european\u0103 privind serviciile de plat\u0103. PSD2 a fost aprobat \u00een 2015 \u0219i con\u021bine reglement\u0103ri pentru consumatori, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6740,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[175],"tags":[],"class_list":["post-7379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislatie-securitate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PSD2 - Standardul de baz\u0103 pentru pl\u0103\u021bi \u00een Europa - PaynoPain<\/title>\n<meta name=\"description\" content=\"Descoperi\u021bi toate informa\u021biile despre prima directiv\u0103 european\u0103 privind serviciile de plat\u0103 \u0219i toate schimb\u0103rile pe care le-a adus.\" \/>\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\/blog\/psd2-standardul-pentru-plati-in-europa\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PSD2 - Standardul de baz\u0103 pentru pl\u0103\u021bi \u00een Europa - PaynoPain\" \/>\n<meta property=\"og:description\" content=\"Descoperi\u021bi toate informa\u021biile despre prima directiv\u0103 european\u0103 privind serviciile de plat\u0103 \u0219i toate schimb\u0103rile pe care le-a adus.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/paynopain.com\/ro\/blog\/psd2-standardul-pentru-plati-in-europa\/\" \/>\n<meta property=\"og:site_name\" content=\"PaynoPain\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-26T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-15T08:23:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/paynopain.com\/wp-content\/uploads\/2025\/10\/que-es-la-PSD2-la-norma-basica-de-pagos-en-europa-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"850\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"PaynoPain\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"PaynoPain\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/ro\\\/blog\\\/psd2-standardul-pentru-plati-in-europa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/paynopain.com\\\/ro\\\/blog\\\/psd2-standardul-pentru-plati-in-europa\\\/\"},\"author\":{\"name\":\"PaynoPain\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/ro\\\/#\\\/schema\\\/person\\\/438e34e7447495be4ab18e62a4e81950\"},\"headline\":\"PSD2 &#8211; 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