Accelerate

OSMP plan: an opportunity for European performance

With Payplug, get ahead of future European regulations and optimise your payment acceptance.

The European harmonisation of online payment security is set to be implemented by the Payment Service Regulation (PSR) by 2027. In this context, the Banque de France, through the OSMP plan, is positioning the French market as a pioneer in the implementation of new standards.

 

Anticipating these developments with Payplug ensures optimal compliance and enhanced payment performance.

Discover the new OSMP standards

The Observatory for the Security of Payment Means (OSMP) is strengthening online payment security by introducing new measures. Here are the key changes:

3DS authentication is now mandatory for all transactions, except for specific exemptions.

Merchant-Initiated Transactions (MIT) require a valid chaining reference with a Customer Initiated Transaction (CIT) approved by Strong Customer Authentication (SCA).

Direct to Authorisation (DTA) transactions without strong authentication will be systematically declined.

Derogatory regimes, such as the MOTO (Mail Order / Telephone Order) exemption, are being removed.

Key deadlines: applying OSMP standards
February 2025

€50 cap on non-3DS
transactions

March 2025

Lowered to €30

April 2025

Lowered to €10

May 2025

Lowered to €1,01

Anticipate the impact of this change on your business

The evolution of OSMP regulations could negatively impact your acceptance rates and, consequently, your revenue. To mitigate this, you need to adapt your payment system:

 

  • Integrate 3-D Secure from the initiation of every transaction.
  • Standardise your recurring payments (MIT) with valid chaining.
  • Improve your customer data to facilitate exemptions with issuers.
  • Choose a Payment Service Provider (PSP) that understands local regulations to anticipate changes, streamline your compliance, and optimise frictionless payments.
osmp

Ensure your performance in France and Europe with Payplug

As a member of Groupe BPCE and a privileged partner of the Cartes Bancaires (CB) network, Payplug offers unique local expertise across France and Europe.

Our intelligent 3DS authentication engine incorporates issuer logic to make customer journeys as smooth as possible.

Our advanced recurring payment (MIT) management with chaining verification ensures optimal compliance.

Optimised CB network routing reduces costs and significantly improves payment acceptance rates.

Groupe BPCE

Our Fastpass connection protocol guarantees that up to 98% of frictionless authentication requests are accepted on cards issued by Groupe BPCE*.

*Payplug data, 2024

CB

Our native compatibility with Safe’R by CB allows for frictionless payments up to €250 in 95% of cases for eligible merchants*.

*CB data, 2024

20% of the French market is represented by Groupe BPCE

Payplug Data, 2025

+7 pts frictionless rate on CB payments compared to the market average

Payplug Data, 2024

85% of card transactions in France are made via the CB network

CB Data, 2025
Accelerate

Boost your payments in France and Europe

With Accelerate, maximise your online payment performance at a local level.

 

This means advanced functionalities and exclusive programmes to optimise your frictionless journeys.

Carte - booster paiements

Ensure the performance of your payments at a European level