Payments are the “oil in the wheels of the Internal Market”. It is of major importance that those wheels run smoothly and safely. The objective is a Single Payment Area, in which citizens and businesses can make cross-border payments as easily, safely and efficiently as they can within their own countries and subject to identical charges“. – European Commission, www.europa.eu.

The objective set out above is undoubtedly noble and indeed necessary, but just how effective is the EU regulatory framework in achieving it?

Never before have the activities of issuing emoney and carrying out payment services been more heavily regulated.  The laws governing these matters currently present challenges, including:

  • legacy concerns following the implementation certainty of SEPA,
  • confusion on how to regulate bitcoin and other virtual currencies.

EmoneyAdvice.com examines the issues surrounding e-money and payment service regulation. It also provides useful links to the applicable laws and guidance.

Key topics:


PSD2 & Interchange Fee Regulation

AML & Wire Transfer Regulations

Consumer Laws



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