The tourism sector prepares for the new EU directive on payment services

It will allow hotels to streamline processes, increase their productivity and security

The entry into force of the second European Union directive on payment services (PSD2) will mean that the tourism sector has to incorporate new technological solutions to adapt to this new directive, according to PaynoPain, a Spanish technology company specialized in the development of tools for Online payments, which ensures that the new standard is a challenge and an opportunity.

The second European Union directive on payment services, which entered into force on September 14, aims to ensure higher levels of security and speed when making online payments.

Due to the complexity in its application, the European Banking Authority (EBA) has approved a 15 month moratorium. In this way, companies will have until December 31, 2020 to implement the necessary technologies to adapt to the directive.

One of the sectors that will be most affected by these changes will be tourism (35% of electronic commerce in Spain), used to use the cards as a guarantee of payment.

According to experts, the new legislation can have an impact on the customer experience, at the same time, it can also translate into an opportunity to increase sales.

With the new PSD2 directive, there will be many changes in the tourism sector, both for hotels and for online travel agencies. For example, the manual collection will disappear and it will no longer be possible to make the charges to the client without his authorization.


To ensure maximum levels of security in hotel payments, the directive emphasizes that all transactions must contain double authentication. To identify users must authenticate through two of the three elements detailed in the regulations, which must be something that the user has (mobile phone to receive a code or a coordinate card), something that the user has knowledge (password or PIN) or a biometric factor (fingerprint or facial or voice recognition).

With this double authentication, hotels and online travel agencies must take into account the client’s authorization to charge their card. Those customers who do not belong to the European Union will not have to perform a double authentication to make payments for a hotel or tourist destination.

«To adapt to this new regulation, the sector must implement modern payment technologies that allow hotels to streamline processes, increase their productivity and internal security, with the aim of preventing employees from coming into direct contact with the payment data of the clients, «explained the CEO and co-founder of PaynoPain, Jordi Nebot.

In any case, this greater security requirement does not have to be seen as an excessively annoying factor that will slow travel reservations through the Internet. In fact, the big banks will be the main ones in charge of developing communication interfaces that allow an easy and secure transmission of the data of the clients that authorize it.

In conclusion, tourism companies should, during the coming months, minimize the impact of this new European regulation, and even reverse it towards an opportunity to ensure that this greater security increases consumer confidence and, therefore, increases their purchases through these channels