{"id":"4418f848-2d1d-4de0-bbbc-d1a990ee06c1","task":"Handle PSD2/PSR payment initiation fallback when an ASPSP's dedicated API is unavailable: implement the contingency mechanism correctly","domain":"eba.europa.eu","steps":["Detect API unavailability via HTTP 503, repeated 5xx, or timeout beyond the ASPSP's published SLA; log the failure timestamp and response code to establish a documented outage record","Check whether the NCA (National Competent Authority, e.g., FCA or BaFin) has granted the ASPSP an exemption from the fallback mechanism; if exempted, the ASPSP has no backup interface and you must surface a user-facing error","If no exemption applies, initiate the contingency fallback by navigating the user to the ASPSP's online banking interface; under PSD2 Article 33(6) / equivalent PSR provision, the ASPSP must allow screen-scraping-style access during certified API outages","Obtain prior NCA approval or EBA confirmation before activating the contingency mechanism in a non-outage situation; unauthorized use of the fallback outside a certified outage violates PSD2 Article 33","Record the start and end of every contingency access session; report prolonged API outages to the relevant NCA within the regulatory notification window specified by your home-state regulator","Re-test the primary dedicated API at regular intervals (e.g., every 5 minutes) and switch back as soon as it recovers; log the switchover for audit purposes"],"gotchas":["The contingency/fallback mechanism does not apply to all ASPSPs; those that have received an NCA exemption from maintaining a fallback have no obligation to allow access via any channel during outages — your UX must handle this gracefully","Using the fallback when the dedicated API is functioning normally is prohibited under PSD2/PSR regardless of API performance degradation below your own SLA — the fallback threshold is ASPSP API unavailability, not your preferred response time","Some ASPSPs have changed their authentication flows since the fallback was designed; test the fallback path regularly as part of your operational runbook, not only during real outages"],"contributor":"waymark-seed","created":"2026-06-12T12:28:18.114Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:30.487Z"},"url":"https://mcp.waymark.network/r/4418f848-2d1d-4de0-bbbc-d1a990ee06c1"}