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Article 31 Access interface options

  1. (1) Subject to paragraph 2 of this Article, account servicing payment service providers shall establish the interface(s) referred to in Article 30 by means of a dedicated interface or by allowing the use by the payment service providers referred to in Article 30(1) of the interfaces used for authentication and communication with the account servicing payment service provider’s payment services users.1

  1. (2) Account servicing payment service providers specified in paragraph 3 of this Article shall establish the interface(s) referred to in Article 30 by means of a dedicated interface in respect of all payment accounts that fall within one or more of the following descriptions:1

    1. (a) a payment account as defined in regulation 2(1) of the Payment Accounts Regulations 2015 (SI 2015/2038);1

    2. (b) an account operated for an SME that would be the type of account described in paragraph 2(a) of this Article if it were operated for a consumer; and1

    3. (c) a credit card account operated for a consumer or an SME.1

  1. (3) An account servicing payment service provider is specified for the purposes of paragraph 2 of this Article if it is not:1

    1. (a) a small payment institution;1

    2. (b) a small electronic money institution as defined in regulation 2(1) of the Electronic Money Regulations 2011 (SI 2011/99); or1

    3. (c) deemed to be authorised under paragraph 1, 12B, 14(2(a)(i) or 24(4)(a)(i) of Schedule 3 of the Electronic Money, Payment Services and Payment Systems (Amendment and Transitional Provisions) (EU Exit) Regulations 2018 or regulation 8, 11, 28 or 34 of the EEA Passport Rights (Amendment, etc., and Transitional Provisions) (EU Exit) Regulations 2018.1

  1. (4) For the purposes of this Article:1

    1. (a) consumer means a consumer as defined in regulation 2(1) of the Payment Accounts Regulations 2015 (SI 2015/2038); and 1

    2. (b) SME means an enterprise as defined in Article 1 and Article 2(1) of the Annex to the Recommendation 2003/361/EC of 6th May 2003 concerning the definition of micro, small and medium-sized enterprises.1