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ARTICLE · 10 SEPTEMBER 2025

Operational Resilience In Payment Transactions: Established Requirements, New Urgency

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Recent disruptions in payment transactions have made it clear how vulnerable the payment system remains despite state-of-the-art infrastructure.

GermanyFinance and Banking
Michael Huertas
Michael Huertas
Julia Siebrecht
Julia Siebrecht
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RegCORE Client Alert | EU Digital Single Market

Outlook

Recent disruptions in payment transactions have made it clear how vulnerable the payment system remains despite state-of-the-art infrastructure. If systems such as those used to detect fraudulent transactions fail, the only option is often to temporarily halt all payments to prevent potential damage. This has immediate consequences for all parties involved: merchants face liquidity shortages and additional administrative burdens, while end customers are left uncertain about possible unauthorised debits.

The European legislator has already recognized this risk and responded with numerous regulations aimed at strengthening the operational resilience of these systems:

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