Payment Services Directive 2 & eIDAS


In September 2019, payment service provider applications will be obligated to meet the new requirements for authentication and communications security set by the European Banking Authority (EBA).

PSD2 - About Icon

What is PSD2?

PSD2 is created to implement enhanced privacy and digital security measures for all Payment Service Providers (PSPs), including banks. Due to the sensitivity of financial services transactions, the European Banking Authority (EBA) issued the revised PSD2 Regulatory Technical Standards (RTS) requiring—among other measures—the use of digital security certificates issued by a Qualified Trust Service Provider (TSP) in accordance with eIDAS standards. Throughout the EU, “Qualified Certificates” will provide special status in regulatory contexts.

PSD2 - Regulation Icon

What are eIDAS Qualified Certificates?

eIDAS (EU Regulation 910/2014) is a set of European Union regulatory standards which define the requirements for PSD2 certificate compliance with digital certificates. This includes standards designed to verify their holders’ identity, as well as the operation of the Qualified Trust Service Providers (TSPs) that issue them. Certificates which are issued in accordance with eIDAS standards by Qualified TSPs are also known as “Qualified Certificates” and provide special status in certain legal and regulatory contexts across the EU.

PSD2 - Banking Institutions Icon

Why do I need Qualified certificates for PSD2?

PSD2 requirements enable digital certificates to be used to identify PSPs and banks, verify their licensed roles, encrypt communications, and in some instance to provide tamperproof seals on transactions or data. The PSD2 Regulatory Technical Standards (RTS) specify that only eIDAS certificates issued by Qualified Trust Service Providers (TSP) may be used for identification of PSPs, due to the sensitivity and privacy required for financial services transactions.


Available PSD2 Qualified Digital Certificates

Qualified Web Authentication Certificate (QWAC)


Validate your identity and role as a Payment Service Provider to customers and other businesses, whilst also encrypting and authenticating sensitive data with QWAC certificates.

Qualified eSeal Certificate (QSealC)


Opt for the QSealC certificates to “seal” application data, sensitive documentation and other communications to ensure they are tamperproof and originate from a trustworthy source.

Choosing a PSD2 Certificate

PSD2 certificates offer different protection options depending on use cases.

About QWAC QSealC
Where is it used? Identifies end points, protects data during communication Identifies origin of document or data and makes it tamperproof in communication and storage
Security features Confidentiality, authentication, and integrity Authentication and integrity
Does it provide legal evidential value for transactions? No Yes under eIDAS
Is data protected when passed through an intermediary? Protects in direct peer-to-peer communications End-to-end, even if passed through intermediary
PSD2 Brochure

Benefits & Features of PSD2-Qualified Certificates


Establish compliance with the latest legislative regulation contexts across the EU


Assure clients & stakeholders with the highest-level security measures


Ensure your infrastructure and operations are properly configured

Why choose SSL247® as your service provider?

Our accumulated portfolio of awards and accreditations mean our trusted consultants are the leading web security experts in Europe who have satisfied numerous high profiled clients over the years. By choosing SSL247® as your PSD2-qualified certificate providing specialist, your organization will gain the same comprehensive level of support we’ve become renowned for as well as privileged access to exclusive market leading benefits including:

  • Bespoke and impartial consultations
  • 10+ years of multi-award winning experience and expertise
  • Accredited consultants
  • Multi-lingual support
  • Dedicated account managers
  • FREE security assessment to ensure your online business continuity is secured

Get in touch with one of our experts today

To find out more about PSD2-qualified certificates and how it can affect your business, get in touch with our trusted, SSE-accredited consultants for a FREE no commitment consultation: