REGULATORY & PAYMENTS INFRASTRUCTURE SOLUTIONS
Leverage the expertise of a Regulatory & Payments expert
Facing regulatory challenges? Want to offer your customers additional, innovative payment methods?
At LUXHUB, we specialize in connectivity and mutualization solutions for the financial services industry, providing flexible and secure regulatory and payment infrastructure services.
REGULATORY SOLUTIONS
PSD2 XS2A
The Second Payment Services Directive (EU 2015/2366) entered into application in 2018, in order to make payment services more secure and competitive.
PSD2 XS2A is a complete and modular technical solution that helps ASPSPs comply with the RTS of PSD2. The solution ensures:
reduced implementation, project duration and costs,
full and continuous compliance,
freed-up internal development resources to focus on value-added projects.
The solution is future-proof and anticipates the move to PSD3 (Third Payment Services Directive) and PSR (Payment Services Regulation).
CESOP
The CESOP Directive (EU 2020/284) was introduced to detect and reduce possible VAT fraud in the context of cross-border transactions.
With the CESOP solution, LUXHUB supports your team through the entire CESOP report lifecycle, from the first analysis to the generation and correction of reports.
Where national tax administrations allow it, the solution also automates CESOP report filing and feedback file exchange.
In addition to the SaaS version, an on-premises deployment alternative is also available.
Payee Verification Platform
The VoP obligation was first introduced in the Instant Payments Regulation (EU 2024/886). It has applied to euro area PSPs since 9 October 2025 and will extend to non-euro EU Member States from 9 July 2027.
As an EPC VoP Scheme-compliant RVM (Routing and/or Verification Mechanism), LUXHUB provides two distinct yet complementary VoP services:
PSPs can leverage the Payee Verification Platform to:
expose and manage, in a secure and compliant manner, a real-time name and account details verification service,
leverage a single interface to access verification services made available by the payee's PSPs.
Fraud Intelligence Gateway
In France, the FNC-RF national file was introduced by Labaronne Law (2025-1058).
It entered into force on 7 May 2026, and PSPs can report and consult potential fraud events and act on them, accordingly.
LUXHUB's Fraud Intelligence Gateway consists in:
functional and technical onboarding with the Banque de France,
business logic to refine and contextualize fraud data,
convenient interfaces to import and share relevant data.
CEDR
The Central Electronic Data Retrieval System (CEDR) was introduced in Luxembourg by the Law of 25 March 2020 and CSSF Circular 20/747.
The Luxembourg supervisory authority should be able to retrieve IBAN accounts and safe-deposit box information through a simple API call.
The LUXHUB CEDR reporting solution provides:
rapid and efficient onboarding,
regular operations to manage the daily operations between the financial institution and the supervisory authority,
a toolkit for file formatting, validation and file sending.
PAYMENTS INFRASTRUCTURE SOLUTIONS
Wero Integration Layer
Wero is a pan-European, secure and instant payment method launched in 2024 that has already reached more than 58 million users. It is rapidly and constantly expanding to other EU countries.
The Wero Integration Layer offered by LUXHUB supports issuing Payment Service Providers - PSPs that decide to provide their customers with the Wero payment solution.
It includes all technical exchanges with EPI Company, and leverages existing or modified banks' interfaces as well as PSD2 APIs.
Wero Acceptor Solution
Payment Service Providers looking for new revenue streams can support the Wero solution and offer an instant and secure payment solution to their merchant clients.
Many use cases have been developed since the launch of Wero, especially with a focus on e-commerce, point of sale (POS), and more.
PSPs leveraging the Wero Acceptor Solution will provide their merchant clients with a new payment method - from the customer's payment account to the merchant's account in seconds - as well as different management capabilities through a dedicated portal.
One Connect
Enabled by Open Banking and more specifically by the use of PSD2 APIs, payment account aggregation and payment initiation are two key services that financial institutions can offer to their customers.
The aggregation of payment accounts - banks can provide their customers with a unified view of their financial data - as well as providing an additional account-to-account payment method represent a competitive advantage.
LUXHUB, as a payments and connectivity expert facilitates the connection with other banks, via a single integration.
Ready to get started?
A 30-minute call with our experts. Let's discuss your regulatory compliance challenges and/or needs. We look forward to presenting our solutions to your team.
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