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Consumer Protection vs. Merchant Risk: A New Balance in the Payment Services Regulation Era

Fraud
Payments
MRC Amsterdam 2025
Boku | Uber
Nov 04, 2025
Presentations
This session challenges the assumption that stronger consumer protection always leads to better outcomes for the payment ecosystem. We’ll explore how new Payment Services Regulation (PSR) proposals, such as removing consumer liability for fraud when Strong Customer Authentication (SCA) isn’t applied and expanding refund rights, may unintentionally increase merchant risk and harm user experiences. With potential Commission updates expected ahead of MRC Amsterdam, join us for a timely, balanced discussion on what fairness in payments really means.

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