{"id":2188,"date":"2017-04-28T10:11:56","date_gmt":"2017-04-28T08:11:56","guid":{"rendered":"https:\/\/blog.gopay.com\/?p=2188"},"modified":"2025-06-24T15:39:44","modified_gmt":"2025-06-24T13:39:44","slug":"jak-psd2-zmeni-ceskou-e-commerce","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/jak-psd2-zmeni-ceskou-e-commerce\/","title":{"rendered":"Jak PSD2 zm\u011bn\u00ed \u010deskou e-commerce?"},"content":{"rendered":"

O regulaci PSD2 se toho napsalo hodn\u011b.<\/p>\n

V\u00edme, \u017ee jde o direktivu Evropsk\u00e9 komise, kter\u00e1 na\u0159izuje bank\u00e1m otev\u0159\u00edt sv\u00e1 API<\/a>. V\u00edme tak\u00e9, \u017ee hlavn\u011b startupy si na p\u0159\u00edstup k dat\u016fm bankovn\u00edch z\u00e1kazn\u00edk\u016f brous\u00ed zoubky<\/a> a slibuj\u00ed p\u0159\u00edjemn\u011bj\u0161\u00ed bankovnictv\u00ed.<\/p>\n

Zat\u00edm ale nev\u00edme, co regulace\u00a0ud\u011bl\u00e1 s placen\u00edm na e-shopech a jak zm\u011bn\u00ed platebn\u00ed n\u00e1vyky \u010desk\u00fdch spot\u0159ebitel\u016f.<\/p>\n

N\u00e1\u0161 CEO Michal Babou\u010dek<\/strong> proto nahl\u00e9dnul do k\u0159i\u0161\u0165\u00e1lov\u00e9 koule a sepsal pro v\u00e1s, co mu o dopadu PSD2 na \u010deskou e-commerce\u00a0prozradila.<\/p>\n

UPDATE<\/strong>: V z\u00e1\u0159\u00ed 2019 jsme jako prvn\u00ed \u010desk\u00e1 platebn\u00ed br\u00e1na z\u00edskali licenci \u010cNB pro poskytov\u00e1n\u00ed platebn\u00edch slu\u017eeb v kontextu PSD2<\/a>.<\/p>\n

<\/p>\n

PSD2\u00a0zm\u011bn\u00ed v \u010cesk\u00e9 republice mnoh\u00e9<\/h3>\n

Banky d\u00edky sm\u011brnici p\u0159ijdou o mo\u017enost odep\u0159\u00edt p\u0159\u00edstup poskytovatel\u016fm platebn\u00edch slu\u017eeb jako je nap\u0159\u00edklad GoPay ke klientsk\u00fdm \u00fa\u010dt\u016fm a naopak budou muset poskytovatel\u016fm umo\u017enit prov\u00e1d\u011bn\u00ed plateb prost\u0159ednictv\u00edm aplikac\u00ed, software nebo za\u0159\u00edzen\u00ed jm\u00e9nem plat\u00edc\u00edch u\u017eivatel\u016f.<\/span><\/p>\n

Poskytovatel\u00e9 platebn\u00edch slu\u017eeb se tak v\u016f\u010di bank\u00e1m ocitnou ve v\u00fdhodn\u011bj\u0161\u00ed vyjedn\u00e1vac\u00ed pozici a nebudou muset akceptovat n\u011bkter\u00e9 sou\u010dasn\u00e9 podm\u00ednky a povinnosti, kter\u00e9 nyn\u00ed dopadaj\u00ed na obchodn\u00edky a t\u00edm i na plat\u00edc\u00ed z\u00e1kazn\u00edky. <\/span><\/p>\n

Jde nap\u0159\u00edklad o po\u017eadavky spojen\u00e9 s p\u0159ed\u00e1v\u00e1n\u00edm citliv\u00fdch obchodn\u00edch \u00fadaj\u016f nebo z\u00e1vazky vypl\u00fdvaj\u00edc\u00ed z p\u0159\u00edsn\u00fdch podm\u00ednek ochrany korpor\u00e1tn\u00ed zna\u010dky.<\/span><\/p>\n

Je\u0161t\u011b vy\u0161\u0161\u00ed tlak na bezpe\u010dnost plateb<\/h3>\n

Na druh\u00e9 stran\u011b i poskytovatel\u016fm platebn\u00edch slu\u017eeb p\u0159inese sm\u011brnice nov\u00e9 odpov\u011bdnosti a povinnosti. Budou nuceni zajistit bezpe\u010dn\u00fd proces platby a budou d\u00e1le povinni garantovat p\u0159enos u\u017eivatelsk\u00fdch osobn\u00edch dat p\u0159es zabezpe\u010den\u00e9 kan\u00e1ly. <\/span><\/p>\n

Poskytovatel, kter\u00fd nezabr\u00e1n\u00ed podvodn\u00e9mu jedn\u00e1n\u00ed nebo kter\u00fd nebude m\u00edt platebn\u00ed proces o\u0161et\u0159en\u00fd silnou mandatorn\u00ed autentikac\u00ed, bude nov\u011b odpov\u011bdn\u00fd za p\u0159\u00edpadnou vzniklou \u0161kodu a bude povinen ji plat\u00edc\u00edmu uhradit. V tomto smyslu ur\u010dit\u011b dojde ke zm\u011bn\u011b podm\u00ednek spolupr\u00e1ce mezi bankami a poskytovateli platebn\u00edch slu\u017eeb.<\/span><\/p>\n

Kart\u00e1m p\u0159ibude konkurence<\/h3>\n

Z pohledu plat\u00edc\u00edch u\u017eivatel\u016f dojde k\u00a0rozvoji nov\u00fdch platebn\u00edch slu\u017eeb se zaru\u010denou ochranou. <\/span><\/p>\n

U\u017eivatel\u00e9 nebudou v\u00fdhledov\u011b nuceni pou\u017e\u00edvat prim\u00e1rn\u011b platebn\u00ed kartu, a to d\u00edky nov\u00e9mu standardizovan\u00e9mu technick\u00e9mu \u0159e\u0161en\u00ed a nov\u011b vznikl\u00fdm platebn\u00edm slu\u017eb\u00e1m a produkt\u016fm. O\u010dek\u00e1v\u00e1m, \u017ee vznikne plnohodnotn\u00e1 alternativa pro platby kartou, a t\u00edm se pozvolna bude etablovat zdrav\u00e1 konkurence kartov\u00fdm spole\u010dnostem.<\/span><\/p>\n

Evropsk\u00e1 komise se o\u010dividn\u011b inspirovala v N\u011bmecku, kde \u00fasp\u011b\u0161n\u011b funguje platebn\u00ed \u0159e\u0161en\u00ed Sofort<\/a>, ve Skandin\u00e1vii je obl\u00edben\u00e9 \u0159e\u0161en\u00ed Trustly<\/a>, kter\u00e9 funguje na obdobn\u00e9m principu.<\/span><\/p>\n

V n\u00e1vaznosti na vznik nov\u00e9ho standardu dojde v\u00fdhledov\u011b i k \u00faprav\u011b vztah\u016f mezi bankami a kartov\u00fdmi spole\u010dnostmi, kter\u00e9 se budou muset v\u00edce sna\u017eit, aby banky a klienty zaujaly a neztratily tak sv\u016fj tr\u017en\u00ed pod\u00edl.<\/span><\/p>\n

V kone\u010dn\u00e9m d\u016fsledku by m\u011blo doj\u00edt ke sn\u00ed\u017een\u00ed poplatk\u016f za platebn\u00ed styk.<\/p><\/blockquote>\n

Kartov\u00e9 spole\u010dnosti budou nuceny p\u0159ehodnotit poplatkovou politiku v\u016f\u010di bank\u00e1m za platby p\u0159\u00edslu\u0161n\u00fdmi kartov\u00fdmi sch\u00e9maty. V kone\u010dn\u00e9m d\u016fsledku by m\u011blo doj\u00edt ke sn\u00ed\u017een\u00ed poplatk\u016f za platebn\u00ed styk.<\/span><\/p>\n

Nov\u00e9 tr\u017en\u00ed prost\u0159ed\u00ed na regulovan\u00e9m trhu bude d\u00e1le p\u0159irozen\u011b nutit banky ke zm\u011bn\u011b dosavadn\u00edho postoje, kdy logick\u00fdm v\u00fdsledkem budou hybridn\u00ed \u0159e\u0161en\u00ed nov\u00fdch platebn\u00edch slu\u017eeb za \u00fa\u010dasti bank a poskytovatel\u016f platebn\u00edch slu\u017eeb.<\/span><\/p>\n

Konec zpoplatn\u011bn\u00ed platebn\u00edch metod<\/h3>\n

Sm\u011brnice nov\u011b zakazuje \u00fa\u010dtovat poplatky za pr\u00e1vo u\u017eivatele prov\u00e9st platbu, nap\u0159. p\u0159i platb\u011b kartou (surcharging). V \u010cesk\u00e9 republice je b\u011b\u017en\u00e9, \u017ee obchodn\u00edk p\u0159en\u00e1\u0161\u00ed n\u00e1klady za platebn\u00ed styk na plat\u00edc\u00edho u\u017eivatele a znev\u00fdhod\u0148uje n\u011bkter\u00e9 typy plateb. <\/span><\/p>\n

N\u011bkte\u0159\u00ed obchodn\u00edci tedy budou nuceni upravit sv\u00e9 procesy a p\u0159\u00edpadn\u00e9 n\u00e1klady v souvislosti s platebn\u00edm stykem zahrnout do ceny slu\u017eeb a zbo\u017e\u00ed. <\/span><\/p>\n

Nov\u011b vznikl\u00e9 platebn\u00ed slu\u017eby naproti tomu p\u0159inesou o\u010dek\u00e1van\u00fd konkuren\u010dn\u00ed tlak mezi metodami a v kone\u010dn\u00e9m d\u016fsledku dojde k jejich zlevn\u011bn\u00ed.<\/span><\/p>\n

T\u011b\u0161\u00edte se na PSD2?<\/h3>\n

V sou\u010dasn\u00e9 dob\u011b je\u00a0sm\u011brnice p\u0159en\u00e1\u0161ena do\u00a0\u010desk\u00e9 pr\u00e1vn\u00ed \u00fapravy. P\u0159edpokl\u00e1dan\u00fd\u00a0term\u00edn \u00fa\u010dinnosti je 13. leden\u00a02018. T\u011b\u0161\u00edte se na to, co regulace p\u0159inese? Souhlas\u00edte\u00a0s\u00a0Michalem Babou\u010dkem?\u00a0Napi\u0161te do koment\u00e1\u0159\u016f v\u00e1\u0161 n\u00e1zor.
\n<\/span><\/p>\n

\"gopay-team-michal-baboucek\"PS: Autorem textu je CEO GoPay Michal Babou\u010dek.<\/p>\n

PPS: U\u017eite\u010dn\u00e9 zdroje k PSD2 najdete nap\u0159. zde: PwC<\/a>, Starlingbank<\/a>, EU<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

O regulaci PSD2 se toho napsalo hodn\u011b. V\u00edme, \u017ee jde o direktivu Evropsk\u00e9 komise, kter\u00e1 na\u0159izuje bank\u00e1m otev\u0159\u00edt sv\u00e1 API. V\u00edme tak\u00e9, \u017ee hlavn\u011b startupy si na p\u0159\u00edstup k dat\u016fm bankovn\u00edch z\u00e1kazn\u00edk\u016f brous\u00ed zoubky a slibuj\u00ed p\u0159\u00edjemn\u011bj\u0161\u00ed bankovnictv\u00ed. Zat\u00edm ale nev\u00edme, co regulace\u00a0ud\u011bl\u00e1 s placen\u00edm na e-shopech a jak zm\u011bn\u00ed platebn\u00ed n\u00e1vyky \u010desk\u00fdch spot\u0159ebitel\u016f. N\u00e1\u0161\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":8,"featured_media":2200,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,5],"tags":[],"coauthors":[13],"class_list":["post-2188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuality-novinky-platebni-brana-gopay","category-e-commerce-online-podnikani"],"acf":[],"yoast_head":"\nJak PSD2 zm\u011bn\u00ed \u010deskou e-commerce? | GoPay blog<\/title>\n<meta name=\"description\" content=\"Co PSD2 ud\u011bl\u00e1 s placen\u00edm na e-shopech a jak zm\u011bn\u00ed platebn\u00ed n\u00e1vyky \u010desk\u00fdch spot\u0159ebitel\u016f? \u010ct\u011bte v\u00edce o dopadech PSD2 na \u010deskou e-commerce.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gopay.com\/blog\/jak-psd2-zmeni-ceskou-e-commerce\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak PSD2 zm\u011bn\u00ed \u010deskou e-commerce?\" \/>\n<meta property=\"og:description\" content=\"Co PSD2 ud\u011bl\u00e1 s placen\u00edm na e-shopech a jak zm\u011bn\u00ed platebn\u00ed n\u00e1vyky \u010desk\u00fdch spot\u0159ebitel\u016f? 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