CESOP 2026 Filing Season: Common Errors and How to Fix Them Before the 31 July Deadline
Common CESOP filing errors PSPs make and how to fix them before the Q2 2026 deadline on 31 July. Practical checks for XML, thresholds, and payee location.
Reporting and compliance for payment institutions, electronic money institutions, and account servicing PSPs. This section covers PSD2 reporting requirements, the upcoming PSD3/PSR transition, SEPA Instant Payments Regulation, Verification of Payee under the EPC scheme, the digital euro PSP pilots, CESOP cross-border payments reporting, and EPC industry reports. Articles are practical guides – what to file, who reports, deadlines, and templates – aimed at payment firms across the EU. You’ll find both pillar reference guides and ongoing analysis of regulatory developments at the EBA, ECB, and European Payments Council. Start with the PSD2 reporting guide or the SEPA Instant Payments guide for the fundamentals.
Common CESOP filing errors PSPs make and how to fix them before the Q2 2026 deadline on 31 July. Practical checks for XML, thresholds, and payee location.
The EPC compiled seven payment industry reports from Q1 2026. Here is what EU payment firms need to check, act on, and monitor from the roundup.
The ECB’s digital euro PSP pilot call is open until 14 May 2026. What Luxembourg payment institutions need to know before applying.
What the ECB digital euro rulebook workstreams and PSP pilot call mean for payment service providers. Timeline, open questions, and what to prepare.
Practical guide to the EPC Verification of Payee scheme for Luxembourg PSPs. Covers the VoP rulebook, compliance deadlines, name-matching logic, EPC Directory Service, and a preparation checklist for PIs and EMIs approaching their 2027 deadline.
Last updated: April 2026 If you run a payment institution or electronic money institution authorised by the CSSF, the next 18 months will reshape the rules you operate under. The European Parliament and Council reached provisional political agreement on PSD3 and the Payment Services Regulation (PSR) on 27 November 2025. Formal adoption and publication in…
Last updated: March 2026 Luxembourg credit institutions had their first deadline on 9 January 2025. They had to be reachable for instant credit transfers in euro by that date. Their second deadline, sending instant payments, hit on 9 October 2025. For Luxembourg banks that were already live on SCT Inst voluntarily, the regulation mostly formalized…
Last updated: March 2026 Introduction PSD2 reporting is not optional – payment institutions face multiple overlapping reporting obligations including statistical, prudential, fraud, incident, and complaint reporting, each with distinct deadlines, data sources, and regulatory recipients. Payment Services Directive 2 (Directive (EU) 2015/2366) fundamentally reshaped how payment institutions, e-money institutions (EMIs), account information service providers (AISPs),…
Last updated: March 2026 Introduction CESOP reporting is a mandatory quarterly obligation for European payment service providers handling cross-border transactions above the 25-payment threshold – missing the deadline or submitting inaccurate data can result in supervisory action and penalties. If you work in payments or compliance at a European financial institution, CESOP likely sits on…