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Нови онлайн платежни услуги в ЕС и необходима технологична сигурност за тяхното предоставяне

от , 20 март 2017 4 969 прочитания,

С PSD2 Европейският съюз отговори на скоростните технологични промени, които настъпват в пазара на онлайн пазаруването

Теодора Лозанова

Още през 1994 г. Бил Гейтс направи провокативното за времето си, но все по-доближаващото се до днешната действителност изказване „Банкирането е необходимо. Банките – не са.“

Европейският парламент и Съветът до известна степен потвърдиха това мнение с приемането на Директива (ЕС) 2015/2366 от 25 ноември 2015 г. за платежните услуги във вътрешния пазар (PSD2). С нея Европейският съюз отговори на скоростните технологични промени, които настъпват в пазара на онлайн пазаруването на дребно, в резултат на бързото нарастване на броя на електронните и мобилните плащания и на появата на нови видове платежни услуги.


Теодора Лозанова

С PSD2 се цели да се постигнат по-безопасни, по-удобни, по-сигурни и по-евтини плащания, както и да се преодолеят разликите в законодателствата на различните държави-членки на ЕС, породени от въвеждането на Директива 2007/64/ЕО на Европейския Парламент и на Съвета от 13 ноември 2007 г. (PSD).


Едни от най-интересните новости, въведени от PSD2 и разгледани по-долу, най-общо представляват правила, осигуряващи леснота за доставчиците на платежни услуги да предоставят иновативни, безопасни и удобни цифрови услуги, които да осигурят на търговците на дребно ефективни и сигурни платежни методи.

Нови онлайн платежни услуги и доставчиците им

PSD2 търси баланс между разширяването на пазара на плащанията и поддържането на подходящи стандарти за сигурност за онлайн финансови транзакции. С оглед на това, PSD2 разширява значението на понятието „платежни услуги“ като добавя две нови категории услуги – услуги по иницииране на плащане и услуги по предоставяне на информация за сметка. Съответно, за предоставянето на новите услуги са въведени и два нови доставчика на платежни услуги - доставчик на услуги по иницииране на плащане и доставчик на услуги по предоставяне на информация за сметка.

  • услуга по иницииране на плащане

С тази услуга се позволява на ползвателя на платежни услуги (потребителя) да поиска доставчикът на платежната му услуга да осъществи директна връзка между сайта на търговеца, от който потребителят иска да пазарува и платежната сметка на последния. По този начин доставчикът на тази платежна услуга потвърждава на онлайн търговеца, че потребителят е направил иницииране на плащане и насърчава търговеца да изпрати поръчаните стоки. Чрез тази услуга ще е възможно да се извършват евтини онлайн плащания без да е необходимо да притежаваме на кредитна/дебитна карта, електронен портфейл или да ползваме друг посредник между операциите.

Доставчиците на тези услуги ще подлежат на лицензиране, като изискванията за издаване на лиценз, ще бъдат по-малко в сравнение с лицензирането на платежните институции.

С оглед рисковете за сигурността и защитата на данните на потребителите, PSD2 изрично указва, че доставчиците на услугата по иницииране на плащане ще могат да предоставят на търговците, в полза на които се ползва услугата, единствено информация под формата на отговор с „да“ и „не“ на въпроса им има ли достатъчно наличност в потребителската сметка за извършване на конкретна транзакция. Ако тези доставчици притежават само лиценз за предоставяне на услуги по иницииране на плащане, те няма да имат право да държат и боравят с потребителски средства или да предоставят информация относно баланса по потребителските сметки.

  • услуга по предоставяне на информация за сметка

Предоставянето на тази услуга ще даде възможност на потребителите да имат достъп до обобщена информация за няколко или дори всички платежни сметки, които притежават при различните доставчици на платежни услуги, посредством ползването на една единствена онлайн платформа за тази цел.

Доколкото тази услуга е свързана само с предоставяне на информация, доставчиците, които желаят да предоставят само нея, ще подлежат на още по-лек разрешителен режим в сравнение с доставчиците на услуги по иницииране на плащане.

Въвеждането на тези нови услуги представлява съществена промяна във финансовия пазар, налагайки възможността и необходимостта трети лица (доставчици на платежни услуги) да имат достъп до информация за услугите за платежни сметки, предоставяни от банките. Разпоредбите на PSD2 целят да ограничат възможността банките и другите доставчици на платежни сметки да отказват достъпа до тази информация, с изключение на случаите, в които имат валидно основание за това.

Промяна на териториалния обхват на PSD2

PSD2 има по-разширен обхват на приложение в сравнение с PSD. Новите разпоредби ще се прилагат и в случаите, когато само един от участващите доставчици на платежни услуги по дадена операция се намира в рамките на ЕС, както и за операции с валути, които не са част от официалните валути на ЕС, но всички участващи доставчици на платежни услуги се намират в рамките на ЕС.

Повишени изисквания за сигурност

Въвеждането на нови фигури на платежния пазар и спецификата на услугите, които те ще предоставят, налага да се повишават и изискванията за сигурност, които трябва да бъдат прилагани, както от доставчиците, така и от ползвателите на съответните услуги.

Така например, Европейският банков орган (ЕБО), заедно с бизнеса и други регулаторни органи, предстои да разработи насоки и технически стандарти, които ще включват наред с другото и методи за „задълбочено установяване на идентичността на клиента“. Неприлагането на методите от страна на доставчиците на платежни услуги в установените случаи води до разширяване на тяхната отговорност и те могат да се окажат изцяло отговорни за извършване на неразрешени платежни операции, с изключение на случаите, когато платецът действа чрез измама.

От друга страна, доставчиците на платежни услуги, които обслужват дадената сметка, ще са задължени да дават възможност на доставчиците на услугите по иницииране на плащания и предоставяне на информация за сметки да разчитат на техните установени процедури за сигурност и установяване на идентичността на клиентите. По този начин техническата база, използвана за тези процедури, следва да е съобразена с нуждата, до нея да се предоставя достъп за работа на трети лица.

Повишаване на мерките за защита на потребителите

С приемането на PSD2 се цели повишаване мерките за защита на потребителите в следните насоки:

  • намалява се срокът, в който доставчиците на платежни услуги трябва да отговорят на жалби от страна на потребителите, като същевременно се въвеждат изисквания за предоставяне на по-разширена, прозрачна и до голяма степен безплатна информация на потребителите по отношение на ползваните услуги;

  • забранява се налагането на допълнителните такси за използване на платежни инструменти, както и на обменни такси, които се уреждат от глава II от Регламент 2015/751;

  • намалява се отговорността на ползвателите на платежните услуги в случай на неразрешена платежна операция от 150 евро при PSD на 50 евро.

Транспониране

PSD2 следва да бъде транспонирана в българското законодателство до 13 януари 2018 г. Доставчиците, които са лицензирани да оперират като платежните институции преди транспонирането на PSD2, ще имат право да оперират на базата на вече издадения им лиценз до 13 юли 2018 г. В същия срок лицензираните институции ще следва да приведат дейността си в съответствие с новите изисквания съгласно PSD2. Държавите-членки ще имат възможност да изберат и опция за автоматично подновяване на лицензите, в случай че платежните институции отговарят на новите изисквания.

Епилог

Настоящото изложение, без да представлява изчерпателен анализ на всичките промени, които се въвеждат с PSD2, има за цел да даде основни насоки на участниците в платежния пазар по отношение на едни от най-съществените промени, които могат да настъпят за тях. С оглед наближаващия срок за транспониране на PSD2 и на множеството нововъведения, които ще последват от това, е необходимо дружествата в сферата на платежните услуги да направят задълбочена оценка на ефекта, който ще последва върху тяхната дейност, както от бизнес, така и от технологична гледна точка.

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