Authorized Push Payment Fraud: Suggestions for the Draft Payment Services Regulation

Coordinated by our attorney at law Emanuel van Praag, this article—published in the European Review of Private Law—examines the surge in Authorized Push Payment (APP) fraud across Europe. Van Praag and co-authors analyze legal inconsistencies and advocate for clear, harmonized rules in the forthcoming EU Payment Services Regulation. Their recommendations focus on making payment service providers liable for APP fraud, especially in cases of bank impersonation, while balancing fraud prevention with privacy and user autonomy. This contribution offers practical solutions for a safer and more reliable European payments system.