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The Opinion aims at addressing questions and concerns raised by market participants related to the use of eIDAS certificates. More specifically, the Opinion clarifies that ASPSPs are the party that should choose whether to use a QSealC or a QWAC for identification purposes, because they are providing the interface and ensuring the security of the communication. In addition, in the Opinion, the EBA highlights three potential alternative approaches for the use of eIDAS certificates, but it recommends that QSealCs and QWACs should be used in parallel.
The Opinion also clarifies which payment services correspond to each of the roles specified in Article 34(3)(a) of the RTS and the roles that have to be assigned in the certificates to payment institutions, electronic money institutions and credit institutions, including when these institutions act in their capacity as a third party provider or an ASPSP.
Finally, in order for all payment service providers (PSPs) to be in a position to rely on the eIDAS certificates, the Opinion identifies a few measures that competent authorities may apply, including by requesting the revocation of certificates issued to a PSP that has had its authorisation withdrawn. However, the EBA acknowledges that the validity of the information contained in the certificates is within the responsibility of PSPs and qualified trust service providers that issue the certificates.