Road to PSD3/PSR: key takeaways from our webinar on the new EU payments framework

On 29 April 2026, Finologee and MANZARI Legal hosted a joint webinar to unpack the finalised Payment Services Regulation (PSR) and PSD3 framework. Raoul Mulheims (CEO, Finologee) moderated the session, with Nadia Manzari (MANZARI Legal), Elisa Prado (Product & Regulatory, Finologee) and Jonathan Prince (Co-founder & CSO, Finologee) walking participants through the legal, operational and technical dimensions of what is changing for banks and payment service providers.

PSR: what the draft agreement means for banks, open banking, and fraud prevention

Following the political agreement reached in November 2025, the technical trilogue work on the Payment Services Regulation has been completed and a draft agreement text has been finalised. A silent procedure has been launched at EU level to confirm the agreed text, ahead of formal adoption and legal-linguistic review. Publication in the Official Journal is expected in the second half of 2026. Once published, the PSR enters into force 20 days later, with general application 21 months after that, and the Verification of Payee provisions taking effect at the 27-month mark.

PSR: what the provisional political agreement signals for PSPs

This article is part of our series tracking the developments of the EU’s new payments framework and what it means for the financial industry. The shift from PSD2 to PSR and PSD3 marks a structural change in Europe’s payments landscape, bringing new opportunities but also stricter technical and compliance obligations for banks.

Navigating the shift from 
PSD2 to PSR and PSD3

This article is part of our series tracking the developments of the EUʼs new payments framework and what it means for the financial industry. The shift from PSD2 to PSR and PSD3 marks a structural change in Europeʼs payments landscape, bringing new opportunities but also stricter technical and compliance obligations for banks.