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Status: Please note you should read all Brexit changes to the FCA Handbook and BTS alongside the main FCA transitional directions. Where these directions apply the 'standstill', firms have the choice between complying with the pre-IP completion day rules, or the post-IP completion day rules. To see a full list of Handbook modules affected, please see Annex B to the main FCA transitional directions.

Article 28 Requirements for identification

  1. (1)

    Payment service providers shall ensure secure identification when communicating between the payer’s device and the payee’s acceptance devices for electronic payments, including but not limited to payment terminals.

  2. (2)

    Payment service providers shall ensure that the risks of misdirection of communication to unauthorised parties in mobile applications and other payment services users’ interfaces offering electronic payment services are effectively mitigated.