Access to central bank operated payment systems
Article 2
1. A Eurosystem central bank shall upon request provide access to its central bank operated payment systems for a non-bank payment service provider (NB-PSP) that complies with all of the following requirements: (a) the NB-PSP (or a third party carrying out such tasks for whose actions and omissions the NB-PSP remains solely liable) installs, manages, operates, monitors and ensures the security of the necessary IT infrastructure to connect to the central bank operated payment system and is able to submit cash transfer orders to the central bank operated payment system; (b) the NB-PSP provides any supporting information the relevant central bank reasonably deems necessary to decide on an application to obtain access to the central bank operated payment system; (c) the NB-PSP implements adequate security controls to protect its systems from unauthorised access and use, including in relation to cyber resilience and information security; (d) the NB-PSP submits to the relevant central bank either a statement issued by the relevant national competent authority or a statement duly signed as approved by the competent management body of the NB-PSP, in both cases confirming compliance by the NB-PSP with: (i) the conditions for requesting participation in designated payment systems, as set out in the relevant national law provisions implementing Article 35a(1) of Directive 2015/2366; and (ii) with the procedures set out in the relevant national law provisions implementing Article 35a(2) of Directive 2015/2366. For the avoidance of doubt, nothing in this paragraph shall exempt NB-PSPs from compliance with any requirements, including specific application procedures, applicable to them pursuant to Guideline (EU) 2022/912 (ECB/2022/8). 2. As regards any request from an NB-PSP to a Eurosystem central bank to provide access to TARGET, the provisions of paragraph 1 shall apply from 16 June 2025. 3. An NB-PSP that has been provided with access to a central bank operated payment system shall submit to the relevant central bank once in each year of such access a statement signed as approved by its competent management body confirming ongoing compliance by the NB-PSP with the requirements set out in paragraph 1, points (c) and (d). The relevant central bank shall be entitled to verify the information provided in such statement and request any supporting documentation it reasonably deems necessary. 4. A national central bank of a Member State whose currency is the euro may include additional requirements on NB-PSPs to access its central bank operated payment systems, in order to address the specific risk profile of its central bank operated payment systems other than TARGET.