{"id":7511,"date":"2022-10-12T08:53:18","date_gmt":"2022-10-12T06:53:18","guid":{"rendered":"https:\/\/www.gopay.com\/blog\/?p=7511"},"modified":"2025-06-24T15:37:48","modified_gmt":"2025-06-24T13:37:48","slug":"psd2-platby-slavi-rok-provozu-co-ukazaly-a-co-je-ceka-dal","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/psd2-platby-slavi-rok-provozu-co-ukazaly-a-co-je-ceka-dal\/","title":{"rendered":"PSD2 platby slav\u00ed rok provozu. Co uk\u00e1zaly a co je \u010dek\u00e1 d\u00e1l?"},"content":{"rendered":"\n

Povolit p\u0159\u00edstup na bankovn\u00ed \u00fa\u010det a prov\u00e9st z n\u011bj platbu. <\/p>\n\n\n\n

Na tomto jednoduch\u00e9m principu ve zkratce funguj\u00ed PSD2 platby, neboli zrychlen\u00e9 bankovn\u00ed p\u0159evody, kter\u00e9 jsme loni v l\u00e9t\u011b jako prvn\u00ed \u010desk\u00e1 platebn\u00ed br\u00e1na uvedli na trh.<\/p>\n\n\n\n

Od t\u00e9 doby p\u0159es tuto platebn\u00ed metodu za\u010dalo p\u0159ij\u00edmat platby p\u0159es 2200 obchodn\u00edk\u016f s GoPay platebn\u00ed br\u00e1nou.<\/p>\n\n\n\n

Co n\u00e1m rok provozu o PSD2 platb\u00e1ch uk\u00e1zal a jak\u00e1 je jejich dal\u0161\u00ed budoucnost?<\/p>\n\n\n\n\n\n\n\n

Rostouc\u00ed obliba a zaj\u00edmav\u00e1 alternativa k platb\u00e1m kartou<\/h2>\n\n\n\n

P\u0159esto\u017ee \u010ce\u0161i jsou p\u0159i placen\u00ed nov\u00fdmi metodami sp\u00ed\u0161e konzervativn\u00ed (dob\u00edrka st\u00e1le pat\u0159\u00ed mezi hojn\u011b pou\u017e\u00edvaj\u00ed platebn\u00ed metody), v p\u0159\u00edpad\u011b PSD2 plateb vid\u00edme zaj\u00edmav\u00e9 n\u00e1r\u016fsty.<\/p>\n\n\n\n

Od lo\u0148sk\u00e9ho \u010dervna prob\u011bhlo p\u0159es GoPay platebn\u00ed br\u00e1nu 233 tis\u00edc PSD2 plateb v celkov\u00e9m objemu p\u0159es 412 milion\u016f korun.<\/p>\n\n\n\n

Slu\u017ebu p\u0159itom vyu\u017eilo 260 tis\u00edc z\u00e1kazn\u00edk\u016f, kte\u0159\u00ed dali GoPay souhlas k proveden\u00ed platby z t\u00e9m\u011b\u0159 450 tis\u00edc\u016f platebn\u00edch \u00fa\u010dt\u016f.<\/p>\n\n\n\n

\n
\"\"<\/a><\/figure>\n\n\n\n
\"\"<\/a><\/figure>\n<\/figure>\n\n\n\n
\n

„Jsme p\u0159\u00edjemn\u011b p\u0159ekvapeni, jak z\u00e1kazn\u00edci k pou\u017e\u00edv\u00e1n\u00ed PSD2 plateb p\u0159istupuj\u00ed. Zejm\u00e9na v segmentech, kter\u00e9 maj\u00ed st\u00ed\u017een\u00fd p\u0159\u00edstup k online akceptaci vlivem akcepta\u010dn\u00edch politik karetn\u00edch sch\u00e9mat, vid\u00edme, \u017ee si plat\u00edc\u00ed pou\u017e\u00edv\u00e1n\u00ed PSD2 plateb p\u0159irozen\u011b osvojili, co\u017e ve fin\u00e1le znamen\u00e1 dodate\u010dn\u00fd p\u0159\u00edliv nov\u00fdch transakc\u00ed pro obchodn\u00edky,“ vysv\u011btluje deputy CEO GoPay Michal Babou\u010dek.<\/p>\n<\/blockquote>\n\n\n\n

PSD2 platba si na\u0161la uplatn\u011bn\u00ed i v segmentech, u kter\u00fdch pat\u0159\u00ed platba kartou do tradi\u010dn\u00ed v\u00fdbavy objedn\u00e1vkov\u00e9ho procesu.<\/p>\n\n\n\n

\n

„Z pohledu obchodn\u00edka nab\u00edz\u00ed PSD2 platby prakticky tot\u00e9\u017e, co platby kartou nebo online bankovn\u00ed tla\u010d\u00edtka. Tedy ust\u00e1len\u00e9 platebn\u00ed flow a notifikaci o proveden\u00ed platby v re\u00e1ln\u00e9m \u010dase. Je tu v\u0161ak z\u00e1sadn\u00ed v\u00fdhoda, kter\u00e9 platby kartou ani online p\u0159evody nemohou konkurovat,“ upozor\u0148uje Babou\u010dek.<\/p>\n<\/blockquote>\n\n\n\n

Jde o cenu. <\/p>\n\n\n\n

V p\u0159\u00edpad\u011b platby kartou nebo online bankovn\u00edch tla\u010d\u00edtek toti\u017e mus\u00ed br\u00e1na v kone\u010dn\u00e9 cen\u011b za transakci zohlednit n\u00e1klady, kter\u00e9 z ka\u017ed\u00e9 platby odv\u00e1d\u00ed karetn\u00edm asociac\u00edm a vydavatelsk\u00fdm bank\u00e1m. <\/p>\n\n\n\n

\n

„Cena za PSD2 platbu je pro obchodn\u00edka v\u00fdrazn\u011b p\u0159\u00edzniv\u011bj\u0161\u00ed, proto\u017ee platba obch\u00e1z\u00ed karetn\u00ed sch\u00e9mata a banky jsou ze z\u00e1kona povinny ji poskytovat zdarma,“ \u0159\u00edk\u00e1 deputy CEO GoPay s t\u00edm, \u017ee z\u00e1kladn\u00ed sazby za\u010d\u00ednaj\u00ed na hodnot\u00e1ch o 0,3 a\u017e 0,5 % n\u00ed\u017ee ne\u017e u platebn\u00edch karet nebo online bankovn\u00edch tla\u010d\u00edtek.<\/p>\n<\/blockquote>\n\n\n\n

Banky PSD2 platby postupn\u011b vylep\u0161uj\u00ed<\/h2>\n\n\n\n

Pro komunikaci s bankami pou\u017e\u00edv\u00e1 GoPay bankovn\u00ed rozhran\u00ed jednotliv\u00fdch bank, tzv. otev\u0159en\u00e9 API.<\/p>\n\n\n\n

Partnerem, kter\u00fd pro GoPay technicky zaji\u0161\u0165uje napojen\u00ed na otev\u0159en\u00e1 API jednotliv\u00fdch bank, je spole\u010dnost Finbricks<\/a>.<\/p>\n\n\n\n

\n

„Zp\u016fsob implementace API a zpracov\u00e1n\u00ed plateb se li\u0161\u00ed banka od banky a je velmi n\u00e1ro\u010dn\u00e9 napojen\u00ed na banku p\u0159ipravit a n\u00e1sledn\u011b udr\u017eovat pln\u011b funk\u010dn\u00ed. Ve Finbricks jsme napojen\u00ed na banky pro na\u0161e klienty zjednodu\u0161ili a unifikovali. Zaji\u0161\u0165ujeme p\u0159ed\u00e1n\u00ed platby do banky a n\u00e1sledn\u011b informujeme platebn\u00ed br\u00e1nu o v\u00fdsledku jej\u00edho zpracov\u00e1n\u00ed,“ vysv\u011btluje CEO Finbricks Tom\u00e1\u0161 F\u00edla.<\/p>\n<\/blockquote>\n\n\n\n

\"PSD2<\/a><\/figure>\n\n\n\n

D\u00edky t\u00e9to spolupr\u00e1ci maj\u00ed GoPay obchodn\u00edci k dispozici PSD2 platby od \u010cesk\u00e9 spo\u0159itelny, \u010cSOB, Moneta Money Bank, Air banky, Fio banky a Komer\u010dn\u00ed banky.<\/p>\n\n\n\n

\n

„M\u00e1me napojen\u00e9 i ostatn\u00ed \u010desk\u00e9 banky, ale jejich \u0159e\u0161en\u00ed pro PSD2 zat\u00edm nen\u00ed tolik u\u017eivatelsky p\u0159\u00edv\u011btiv\u00e9,“ vysv\u011btluje Michal Babou\u010dek a dod\u00e1v\u00e1, \u017ee mezi platebn\u00edmi str\u00e1nkami, kter\u00e9 banky vystavuj\u00ed do platebn\u00edch pr\u016fchod\u016f, existuj\u00ed velk\u00e9 rozd\u00edly.<\/p>\n<\/blockquote>\n\n\n\n

\n

„Pr\u016fchodnost platby se u nejlep\u0161\u00edch bank pohybuje na \u00farovni platby kartou nebo online bankovn\u00edm p\u0159evodem. V n\u011bkter\u00fdch p\u0159\u00edpadech je ale st\u00e1le vid\u011bt, \u017ee banky svou strategii v\u016f\u010di PSD2 platb\u00e1m hledaj\u00ed. I z toho d\u016fvodu chceme PSD2 platby obohatit o takzvan\u00fd remember m\u00f3d,“ nazna\u010duje Babou\u010dek.<\/p>\n<\/blockquote>\n\n\n\n

Ulo\u017een\u00ed souhlasu zrychl\u00ed platbu<\/h2>\n\n\n\n

Remember m\u00f3d znamen\u00e1, \u017ee br\u00e1na si zapamatuje souhlas z\u00e1kazn\u00edka k p\u0159ipojen\u00ed k jeho bankovn\u00edmu \u00fa\u010dtu. T\u00edm se v\u00fdznamn\u011b usnadn\u00ed platebn\u00ed proces.<\/p>\n\n\n\n

Ka\u017ed\u00e1 PSD2 platba se toti\u017e zjednodu\u0161en\u011b skl\u00e1d\u00e1 ze dvou f\u00e1z\u00ed. Prvn\u00ed za\u010d\u00edn\u00e1 t\u00edm, \u017ee plat\u00edc\u00ed z\u00e1kazn\u00edk ud\u011bl\u00ed br\u00e1n\u011b souhlas k p\u0159ipojen\u00ed k \u00fa\u010dtu a k proveden\u00ed platebn\u00edho p\u0159\u00edkazu. Druhou f\u00e1z\u00ed je pak samotn\u00e9 proveden\u00ed p\u0159\u00edkazu. <\/p>\n\n\n\n

\"PSD2<\/a><\/figure>\n\n\n\n

S ka\u017edou platbou je nutn\u00e9 prov\u00e9st ob\u011b f\u00e1ze. Pokud v\u0161ak u\u017eivatel souhlas ulo\u017e\u00ed na platebn\u00ed br\u00e1nu, nemus\u00ed ud\u011blov\u00e1n\u00ed souhlasu neust\u00e1le opakovat, \u010d\u00edm\u017e si zkr\u00e1t\u00ed v\u00fdznamnou \u010d\u00e1st platebn\u00edho procesu.<\/p>\n\n\n\n

\n

„Pilotn\u00ed provoz remember m\u00f3du zah\u00e1j\u00edme v nejbli\u017e\u0161\u00edch dnech u vybran\u00fdch obchodn\u00edk\u016f z \u0159ad s\u00e1zkov\u00fdch kancel\u00e1\u0159\u00ed. Chceme, aby platebn\u00ed pr\u016fchod byl stejn\u011b pohodln\u00fd a hladk\u00fd jako p\u0159i platb\u011b ulo\u017eenou platebn\u00ed kartou, kdy u\u017eivatel platbu vy\u0159\u00edd\u00ed prakticky na p\u00e1r kliknut\u00ed,“ pl\u00e1nuje Babou\u010dek.<\/p>\n<\/blockquote>\n\n\n\n

Expanze do dal\u0161\u00edch zem\u00ed<\/h2>\n\n\n\n

Do konce leto\u0161n\u00edho roku p\u0159edstav\u00edme PSD2 platby pro slovensk\u00e9 a ma\u010farsk\u00e9 banky. <\/p>\n\n\n\n

\n

„GoPay je jednou z prvn\u00edch platebn\u00edch bran v cel\u00e9 Evrop\u011b, kter\u00e1 se rozhodla implementovat platby z \u00fa\u010dtu zalo\u017een\u00e9 na PSD2 API, a\u010dkoli je tento zp\u016fsob placen\u00ed st\u00e1le je\u0161t\u011b v po\u010d\u00e1tc\u00edch. Spole\u010dn\u011b se sna\u017e\u00edme komunikovat s bankami, aby sv\u00e9 implementace vylep\u0161ovaly tak, aby byly PSD2 platby plnohodnotnou alternativou platb\u011b kartou. Spolupr\u00e1ci budeme i nad\u00e1le rozv\u00edjet, a\u0165 u\u017e v r\u00e1mci dal\u0161\u00edch zem\u00ed, nebo vyu\u017eit\u00edm nov\u00fdch slu\u017eeb, jako jsou vylep\u0161en\u00e9 stavy plateb nebo identifikace u\u017eivatel\u016f pomoc\u00ed BankID, p\u0159es na\u0161e unifikovan\u00e9 API,“ uz\u00e1v\u00edr\u00e1 CEO Finbricks Tom\u00e1\u0161 F\u00edla.<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Povolit p\u0159\u00edstup na bankovn\u00ed \u00fa\u010det a prov\u00e9st z n\u011bj platbu.  Na tomto jednoduch\u00e9m principu ve zkratce funguj\u00ed PSD2 platby, neboli zrychlen\u00e9 bankovn\u00ed p\u0159evody, kter\u00e9 jsme loni v l\u00e9t\u011b jako prvn\u00ed \u010desk\u00e1 platebn\u00ed br\u00e1na uvedli na trh. Od t\u00e9 doby p\u0159es tuto platebn\u00ed metodu za\u010dalo p\u0159ij\u00edmat platby p\u0159es 2200 obchodn\u00edk\u016f s GoPay platebn\u00ed br\u00e1nou. Co n\u00e1m\u010c\u00edst d\u00e1le<\/a><\/p>\n","protected":false},"author":8,"featured_media":7534,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[40],"tags":[],"coauthors":[13],"class_list":["post-7511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-platebni-metody-technologie"],"acf":[],"yoast_head":"\nPSD2 platby slav\u00ed rok provozu. 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