PSD3 Explained: Payments Security & Fraud
From The ITSM Practice: Elevating ITSM and IT Security Knowledge by Luigi Ferri
April 14, 2026 · 9 min · Season 3 · Episode 7
About this episode
This episode explains the implications of PSD3 on payments security and fraud prevention.
PSD3 is reshaping payments security, moving beyond PSD2’s access model to address fraud, scams and trust abuse. This episode explains why strong authentication is no longer enough, how APIs become critical to trust, and what banks and fintechs must change to stay secure, compliant and resilient. In this episode, we answer to: What makes PSD3 fundamentally different from PSD2 in payments security? Is strong customer authentication enough to stop modern fraud? How do APIs influence trust, performance and security under PSD3? Resources Mentioned in this Episode: Stripe website, article "What platforms and marketplaces can expect from PSD3", link https://stripe.com/guides/what-platforms-and-marketplaces-can-expect-from-psd3 Trustbuilder website, article "From PSD2 to PSD3: What’s Changing in the Future of Payments in Europe", link https://www.trustbuilder.com/en/psd2-psd3-directive-future-payments-europe/ Deloitte website, article "Shedding light on PSD3/PSR", link https://www.deloitte.com/lu/en/Industries/banking-capital-markets/perspectives/shedding-light-on-psd3-psr.html Schoenherr website, article "The EU's new Payments Services Package"…
People in this episode
Host: Luigi Ferri
Topics covered
- payments security
- fraud prevention
- PSD3
- APIs
- banking compliance
- fintech
Keywords
- PSD3
- payments security
- fraud
- strong authentication
- APIs
- banking
- fintech
Mentioned in this episode
Organizations: Stripe, Trustbuilder, Deloitte, Schoenherr, European Payments Council
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