--- title: "PSD3 and the Payment Services Regulation are not in the Official Journal yet" description: "PSD3 and the Payment Services Regulation are agreed but not yet adopted or published. Where the files stand and when the 21 month clock starts." canonical: "https://gencompl.ai/news/psd3-psr-official-journal-status" language: "en-US" type: "News" published: "2026-10-14T18:42:37.226Z" modified: "2026-10-14T18:52:59.565Z" --- # PSD3 and the Payment Services Regulation are not in the Official Journal yet No. The texts were agreed in November 2025 and the final compromise was confirmed in April 2026, but formal adoption is still pending and the Parliament's plenary vote is indicatively set for 14 December 2026. The clock for the new rules starts only on entry into force. **Have PSD3 and the Payment Services Regulation been published in the Official Journal?** Defined in: [IPR](https://gencompl.ai/regulations/instant-payments) (32024R0886) [Home](https://gencompl.ai/) › [News](https://gencompl.ai/news) › PSD3 and the Payment Services Regulation are not in the Official Journal yet ## Have PSD3 and the Payment Services Regulation been published? Not yet. As of 14 October 2026 neither text is in the Official Journal. The European Parliament's [Legislative Observatory](https://oeil.europarl.europa.eu/oeil/en/procedure-file?reference=2023%2F0210%28COD%29) lists the Payment Services Regulation as "Awaiting Council's 1st reading position", with an indicative plenary date of 14 December 2026. The political deal dates from 27 November 2025. Council and Parliament confirmed the final compromise texts in spring 2026: the Council documents for the [regulation](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf) and the [directive](https://data.consilium.europa.eu/doc/document/ST-8222-2026-INIT/en/pdf) are dated April 2026, and the Parliament's ECON committee approved them on 5 May 2026. What remains is the formal adoption by both institutions, then signature and publication. ## Where the files stand Each label gives the date as the source states it and who set it. ### 2025 - **27 November 2025 · Set by Council and Parliament**: Provisional political agreement on PSD3 and the PSR ### 2026 - **22 April 2026 · Set by the Council**: Member States' representatives (COREPER) confirm the final compromise texts - **5 May 2026 · Set by the European Parliament**: ECON committee approves the agreed texts - **14 December 2026 · Indicative: European Parliament Legislative Observatory**: Plenary vote on the agreed texts ## Why the publication date matters Every deadline in the package counts from entry into force, and entry into force follows publication: on the date the act itself sets, or otherwise on the twentieth day after it (Article 297 TFEU). Summaries of the agreed text by PwC and Dudkowiak put the general application of the regulation at 21 months after entry into force, with the same period for transposing the directive. Some parts come later. Verification of payee for transfers outside the [Instant Payments Regulation](https://gencompl.ai/regulations/instant-payments) follows at 27 months by their reading, and electronic money institutions get a transition of the same length to obtain a payment institution licence. The same summaries describe a refund right for victims of impersonation fraud, where a fraudster poses as the customer's bank. That rule shifts the loss to the provider in defined cases. It is the provision banks and payment institutions will want to model first, because it turns a fraud they do not control into a cost on their own books. Until the regulation is published, none of these clocks has started. > **What we could not establish** > > Article numbers in the agreed texts can still change during legal and linguistic revision, so we do not cite them here. The 21 and 27 month periods come from secondary summaries of the agreed text, not from a published act. The 14 December 2026 plenary date is indicative and can move. ## Sources - [Procedure file 2023/0210(COD): Payment Services Regulation](https://oeil.europarl.europa.eu/oeil/en/procedure-file?reference=2023%2F0210%28COD%29) (European Parliament) - [Procedure file 2023/0209(COD): Payment Services Directive (PSD3)](https://oeil.europarl.europa.eu/oeil/en/procedure-file?reference=2023%2F0209%28COD%29) (European Parliament) - [Final compromise text, Payment Services Regulation, ST 8221/26](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf) (Council of the EU · 16 April 2026) - [Final compromise text, PSD3, ST 8222/26](https://data.consilium.europa.eu/doc/document/ST-8222-2026-INIT/en/pdf) (Council of the EU · 16 April 2026) - [Review of the Payment Services Directive and E-Money Directive](https://www.europarl.europa.eu/legislative-train/theme-an-economy-that-works-for-people/file-review-of-the-payment-services-directive-and-e-money-directive) (European Parliament) - [The EU's new payments framework](https://legal.pwc.de/content/services/regcore-client-alert/pwc-client-alert-eus-new-payments-framework-april-2026.pdf) (PwC Legal) - [PSD3 and PSR final texts agreed: new obligations for payment institutions](https://www.dudkowiak.com/blog/psd3-and-psr-final-texts-agreed-new-obligations-for-payment-institutions/) (Dudkowiak & Putyra) - [PSD3 and PSR](https://compliance-support.nl/english/knowledge/psd3-psr/) (Compliance Support · 7 October 2026) ## Related content ### Regulation - [Instant Payments Regulation (IPR)](https://gencompl.ai/regulations/instant-payments): The Instant Payments Regulation is Regulation (EU) 2024/886, which amends the SEPA Regulation. Euro-area banks have had to send instant euro credit transfers and offer Verification of Payee since 9 October 2025. Payment institutions and e-money institutions must offer instant payments by 9 April 2027. Daily sanctions screening replaced in-flight screening on 9 January 2025.