PSD3 & PSR Compliance Services

Prepare your organisation for PSD3 and the Payment Services Regulation (PSR). We help banks, payment institutions, electronic money institutions, and fintech companies assess readiness, identify compliance gaps, and implement the technical, operational, and customer experience requirements introduced by the new EU payments framework.
Linardas Saldukas
Head of Strategy Consulting

PSD3 Compliance Offers

PSD3 gap analysis

Comprehensive technical and regulatory assessment designed to identify compliance gaps and support the transition from PSD2 and EMD2 to the PSD3 framework.
PSD2 to PSD3 migration roadmap review.
EMD2 integration audit.
Technical infrastructure strategy preparation.
Regulatory and policy evaluation.
Deliverables:
A PSD2 to PSD3 migration roadmap with prioritised compliance recommendations and a clear gap analysis report.

API performance parity & optimisation

Development and optimisation of dedicated interfaces to meet PSR requirements for API performance, availability, and customer experience parity.
Dedicated Interface (API) development.
PSR Article 35 performance parity.
Removal of fallback mechanisms.
Latency benchmarking (<300 ms).
99.95% uptime engineering.
Deliverables:
An API performance audit, parity benchmarking report, and optimised dedicated interface.

Next-gen SCA & passkey integration

Implementation of modern authentication methods that support PSD3 and PSR requirements while improving security and customer experience.
Strong Customer Authentication (SCA).
Passkey (FIDO2) integration.
WebAuthn standard implementation.
Hardware security token support.
Deliverables:
A PSD3-ready authentication framework with passkey-enabled customer journeys and improved authentication security.

Consumer permission dashboards

Design and implementation of user permission management solutions that allow customers to review, manage, and revoke data-sharing permissions in real time.
Dashboard design for new solutions.
Existing dashboard audit and improvement recommendations.
Integration and alignment of existing permission management systems.
Deliverables:
A dashboard compliant with PSD3 and regulatory requirements, enabling users to manage and revoke permissions in real time.

Industries We Support

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Retail & digital banks

Real-time transaction monitoring
API performance parity
Customer authentication solutions

Payment Institutions (PIs)

PSD3 compliance
Regulatory readiness
Operational transformation

Electronic Money Institutions (EMIs)

PI licence re-authorisation
EMD2 to PSD3 migration
Compliance transition

Neobanks & PSPs

TARGET2/TIPS access
PSD3 readiness
Payment infrastructure modernisation

Insurance providers

FiDA readiness
Financial data access
FISP requirements

Our PSD3 Compliance Process

01

Gap analysis

We assess your current policies, processes, systems, and controls through policy evaluation and regulatory review to identify PSD3 and PSR compliance gaps.
02

Compliance roadmap

Assessment findings are translated into a practical roadmap with prioritised actions, implementation milestones, and compliance objectives.
03

Execution

We support the implementation of required technical, operational, security, authentication, and API-related changes necessary for PSD3 compliance.

04

Ongoing advisory

We provide ongoing regulatory, technical, and operational advisory services to support long-term PSD3 and PSR compliance.

Why Baltic Amadeus

Deep payments & fintech expertise.

End-to-end PSD3 compliance knowledge.

Proven UX & authentication experience.

Certifications

TÜV Thüringen certified ISO 9001 logo with red checkmark and website URL.
ISO 9001
Certification mark for TÜV Thüringen with a red checkmark and a red mask symbol.
ISO 27001
CISSP certification badge with white text on a green rounded square background.
CISSP
Certification logo for CDPSE with a large blue 'C' encircling the text.
CDPSE

FAQ

What are the main differences between PSD2 and PSD3?

PSD3 introduces stronger fraud prevention measures, enhanced customer protection requirements, updated authorisation rules, and tighter supervision of payment service providers. Together with PSR, it also introduces new requirements for authentication, API performance, and permission management.

Related Services

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