Article 94 — Data protection

PSD2, Directive (EU) 2015/2366

What does PSD2 Article 94 say?

Short answer, straight from the official text

1. Member States shall permit processing of personal data by payment systems and payment service providers when necessary to safeguard the prevention, investigation and detection of payment fraud.

Source: PSD2, Directive (EU) 2015/2366, read 2026-08-14.

In the actEU 2015/2366
CELEX32015L2366
Read on2026-08-14

Official text

Read from the EU Publications Office for this CELEX number. The wording stands as published; nothing here is rewritten or summarised.

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1. Member States shall permit processing of personal data by payment systems and payment service providers when necessary to safeguard the prevention, investigation and detection of payment fraud. The provision of information to individuals about the processing of personal data and the processing of such personal data and any other processing of personal data for the purposes of this Directive shall be carried out in accordance with Directive 95/46/EC, the national rules which transpose Directive 95/46/EC and with Regulation (EC) No 45/2001.

2. Payment service providers shall only access, process and retain personal data necessary for the provision of their payment services, with the explicit consent of the payment service user.

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The same rule in other acts

These articles carry the same official heading. The wording is not identical; read each text at its own source.

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