---
title: "PSD2 Certificates for the FinTech industry – HARICA"
description: "A solution for Financial Institutions and Payment Service Providers Are you a Financial Institution? Is your business dealing with electronic payment and open banking? Are you looking for security, privacy, and reliability for your electronic services across EU borders?  According to the EU directive 2015/2366 (PSD2), you need a Qualified Web Authentication Certificate (QWAC) and/or Qualified"
author: "www.harica.gr"
date: "2021-05-17T08:04:40+00:00"
language: "en-US"
canonical_url: "https://demo.harica.gr/en/posts/post-3211"
source_url: "https://demo.harica.gr/en/posts/post-3211/"
content_type: "text/markdown"
---

### A solution for Financial Institutions and Payment Service Providers

Are you a Financial Institution? Is your business dealing with electronic payment and open banking? Are you looking for security, privacy, and reliability for your electronic services across EU borders?

According to the [EU directive 2015/2366 (PSD2)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex%3A32015L2366), you need a Qualified Web Authentication Certificate (**QWAC**) and/or Qualified Electronic Seal Certificate (**QSealC**).

### PSD2 at a glance

Payment Service Directive 2 (**PSD2**) is the second revised directive of an existing Payment Service Directive from 2007. The Regulatory Technical Standards (**RTS**) of PSD2 requires strong customer authentication using common and secure open standards of communication between all parties involved, to support Open Banking.

As from September of 2019 all EU financial institutions ensure that Payment Service Providers (PSPs) or Third-Party Providers (TPPs) can access their customer account data by using secure website certificates (QWAC).

All regulated entities that use APIs in order to provide account information services and/or to initiate payments, must be registered to a National Competent Authority (NCA) and need a Qualified Website (QWAC) and/or Qualified Seal (QSeal) Certificate to access the financial institution’s account data.

### HARICA’s PSD2 Qualified Certificates

HARICA is a public Qualified Trust Service Provider (QTSP) per Regulation (EU) 910/2014 (eIDAS) and issues Qualified Certificates (QWACs and QSealCs) as specified in the PSD2 Regulatory Technical Standards (RTS):

- SSL QWAC-PSD2 (Qualified Web Authentication Certificate – PSD2):

SSL/TLS Server Certificate that includes one or more FQDNs,

- official identity information of the Legal Entity that owns/controls the domain(s)

- eSeal – PSD2 (Qualified Certificate for Electronic Seals – PSD2):

Electronic Seal Certificate that includes information of the associated organization

- official identity information for the Legal Entity

> Get your QWAC-PSD2 starting at **400€ per year**
> and/or QSealC-PSD2 starting at **450€ per year**
> [![Contact_Us](https://news.harica.gr/Contact_Us.png)](https://www.harica.gr/en/Contact/GetHarica)

### Need more information about our services?

Send us your request at [support@harica.gr](mailto:support@harica.gr) or use our contact form at [https://www.harica.gr/en/Contact/GetHarica](https://www.harica.gr/en/Contact/GetHarica) !

**TAGS:**

[2015/2366](https://demo.harica.gr/en/posts/post-tag/2015-2366), [ASPSP](https://demo.harica.gr/en/posts/post-tag/aspsp), [FinTech](https://demo.harica.gr/en/posts/post-tag/fintech), [Payment Service Directive](https://demo.harica.gr/en/posts/post-tag/payment-service-directive), [PSD2](https://demo.harica.gr/en/posts/post-tag/psd2), [PSP](https://demo.harica.gr/en/posts/post-tag/psp), [QSealC](https://demo.harica.gr/en/posts/post-tag/qsealc), [QWAC](https://demo.harica.gr/en/posts/post-tag/qwac), [TPP](https://demo.harica.gr/en/posts/post-tag/tpp)

## Latest News

- March 14, 2025[HARICA](https://demo.harica.gr/en/posts/post-category/harica-en), [S/MIME Certificates](https://demo.harica.gr/en/posts/post-category/s-mime-certificates), [TLS Certificates](https://demo.harica.gr/en/posts/post-category/tls-certificates)

#### [Implementation of Multi-Perspective Issuance Corroboration (MPIC) and Mandatory CAA Checks for Mailbox Addresses](https://demo.harica.gr/en/posts/post-5630)

- May 21, 2023[HARICA](https://demo.harica.gr/en/posts/post-category/harica-en)

#### [Implementation of a new policy in the protection of the private key in Code Signing certificates](https://demo.harica.gr/en/posts/post-3128)