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Transposition of PSD

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Transposition by Member State

Member States’ options

After the formal adoption by the Council and the European Parliament, Member States had around two years to adopt the national rules implementing the Payment Services Directive into domestic law. Despite a full harmonisation approach retained by the PSD, as many as 23 optional provisions left a certain margin of discretion to the Member States. A dedicated page of our website shows you a complete list of the options.

More information


3.6.2010Commission acts to ensure that 10 Member States implement EU rules on payment services and public procurement redress, IP/10/682 Choose translations of the previous link 
3.11.2009SEPA: Cross-border direct debits now a reality, IP/09/1665 Choose translations of the previous link 
SEPA Direct Debit Launch – FAQ, MEMO/09/489 Choose translations of the previous link