Consumers using a payment service
As a consumer, you can use various payment services, such as a payment service for payments via your smartphone, an automatic housekeeping book, an overview of your current accounts and payments (even if they are with multiple banks) or an analysis of your payment data and advice on savings.
If you want to use a payment service, the company behind the payment service (the payment service provider) needs access to your payment data. The payment service provider will only have this access if you have given explicit consent for this. On this page you can read how it works.
On this page
Giving consent to payment service
Before you give consent, the payment service provider must first inform you carefully about what will happen to your payment data. This way, you know what you are consenting to.
What is not allowed, for example, is asking you to accept the general terms and conditions. The payment service provider must ask you for consent separately.
Payment service providers are also not allowed to provide your payment data to other organisations without your permission.
Note: There is an exception. If it concerns an account information service, such as an online housekeeping book, the payment service provider does not have to ask for your explicit consent. You do have to explicitly consent to the service. This is done via an authorisation that is valid for a maximum of 90 days.
Withdrawing consent to payment service
If you have given consent to a payment service provider, but have changed your mind, you can always withdraw your consent. This must be as easy as giving consent.
If you have given consent online, you must also be able to withdraw your consent online and not by sending a letter, for example.
Note: if you withdraw your consent, you will no longer be able to use the payment service as you may have been used to.
Consent from another person
If someone else has given consent to a payment service provider, but you have not, the payment service provider may sometimes still see your personal data. An example of this is if that other person transfers money to you.
In that case, the payment service provider sees data that are necessary to carry out the payment service. For example:
- your name;
- your bank account number;
- the payment reference;
- the payment description.
Without your explicit consent, none of your other data can be visible.
Retaining your data
Your payment service provider must have informed you before entering into the agreement about how long your personal data will be retained. If that term has lapsed, the payment service provider must delete your personal data, or make sure the data can no longer be traced back to you.
Infographic online purchase
Do you want to buy something online and pay via a new payment service provider? This infographic shows how it works.