@jdelacueva @EUCommission my knowledge is at least 10/15 years old, but this might be not your bank’s stupid requirement, it’s one of Visa’s or Mastercard’s. I had to be certified by Visa/Mastercad/Amex to do eft interfaces, not by banks. And when specific transactions were declined I had to contact specific departments and read pages of docs till I find the clause that says exactly the opposite than they were telling me for several days…