Payment Services Directive 2 (PSD2)

Qualified Website Authentication Certificates (QWACs) and
Qualified Electronic Seals (QSealCs) that adhere to PSD2

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What is PSD2 and What Does It Mean for Your Business?

Implemented by the European Union in 2015, the Payment Services Directive 2 (PSD2) lists specific security measures that financial institutions and third-party payment providers need to comply with under the law.

For PSD2, financial organizations and third-party providers are required to prove the origin, authenticity, and integrity of data entering their systems through the use of Qualified Web Authentication Certificates (QWACs) and Qualified Electronic Seals (QSealCs).

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How Can Qualified Web Authentication Certificates (QWACs) Secure My Financial Business?

  • Allow Payment Service Providers (PSP) to identify themselves to financial institutions


  • Enable secure encryption for communications between all parties, for maximum confidentiality, authentication, and integrity

  • Use SSL/TLS certificates to protect data in transit between server and client, assuring that all data came from the PSP identified in the certificate

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How Can Qualified Electronic Seals (QSealCs) Secure My Financial Business?

  • QSealsCs are used on organizational
    or corporate bodies

  • QSealCs specifically allow stamping of evidence, including all data and transaction requests

  • By 'sealing' the communication, the authenticity and integrity of the data is protected has not changed since it was originally created

What Do I Need for My Financial Business, a QWAC or QSealsC?

QWACs and QSealsCs meet the PSD2 guidelines for secure communications but also support non-repudiation in instances, where there is suspected fraud or other issues requiring investigation and resolution.

  QWAC QSealsC
Where is it used? Identifies end points, protects data during communication Identifies origin of document or data and makes it tamperproof in communication and storage
Security features Confidentiality, authentication, and integrity Authentication and integrity
Security features applicable to Data in transit Data at rest, data in transit
Does it provide legal evidential value for transactions? No Yes, under PSD2
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Your Guide to PSD2

We developed this eBook to cut through the noise and deliver the information that will get you one step closer to compliance, including an easy-to-understand summary of the PSD2 Regulatory Technical Standards.

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Ready to discuss your PSD2 compliance needs?

Qualified Website Authentication Certificates (QWACs) and Qualified Electronic Seals (QSealCs) from GlobalSign enable you to adhere to the PSD2 regulation. Talk to the team today.