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In forcePayment service providers: fraud and instant payments reporting (EU, EBA)Last checked 11 November 2026

Payment fraud statistics (PSD2, PSD_FRP)

A regulatory return listed by the Finansinspektionen (Swedish Financial Supervisory Authority) (FI), Sweden.

Statistical data on fraud linked to different payment methods, based on the EBA's guidelines EBA/GL/2020/01 and required in Swedish law by FFFS 2018:4. Firms report the fraud that took place in the previous half-year. Source

The facts

Who files
All payment service providers: credit institutions, payment institutions, registered payment service providers, e-money institutions and registered e-money issuers, and foreign payment service providers with a branch in Sweden. Source
How often
Half-yearly; registered payment service providers and registered e-money issuers report once a year. Source
Deadline
By 21 February and by 21 August for the previous half-year; registered payment service providers and registered e-money issuers only by 21 February. Source
Format
xBRL-CSV, XBRL-XML. An XBRL-CSV reporting package (zip) uploaded to FIDAC. From mid-January 2026 FI accepts both XBRL-XML and XBRL-CSV for modules in EBA DPM versions 4.0, 4.1 and 4.2, also for historical reference dates; from reference date 2026-03-31 XBRL-CSV must be used. The file parameters.csv in the reports folder gives entityID as rs:<FI institution number>.IND (individual) or .CON (consolidated, as shown in the FIDAC reporting obligation), refPeriod and baseCurrency. Folder and zip names must not contain å, ä or ö; FI has no file naming rule except that the root folder must have the same name as the zip file. Source
How it is filed
Filing routes recorded for the FI: Reporting Portal (Rapporteringsportalen); FIDAC (Finansinspektionen Data Collection); Periodic Reporting (Periodisk rapportering, older web system); Ownership reporting system (Ägarrapportering); TRS 2 (transaction reporting system); Email and post. See how firms file with the FI.
Status
In force
Legal basis
Group
Payment service providers: fraud and instant payments reporting (EU, EBA)

Templates (0)

The library lists no templates for this return.

EU return: the templates and instructions are defined by the EBA. See the library's EBA entry eba/psd-frp (docs/eba/psd-frp.md). Swedish firms use the EBA's templates and taxonomy. Source

Validation rules

The FI publishes the checks it runs on this return. They could not be counted from the published material. Software can run them exactly as published. Source

How they are written: EBA validation rules (XBRL formulas and rules not implemented in XBRL) and EBA XBRL filing rules, as applied by FIDAC; FI's own added checks are listed in its memo.

FIDAC runs the EBA's validation rules for the DPM version filed: severity 'error' blocks the report and 'warning' does not, though FI may later ask for a correction or an explanation; FIDAC also runs rules not implemented in XBRL. FI treats every EBA filing rule as mandatory and adds three checks of its own: the identifier scheme must be http://www.fi.se/InstNr (blocking), the currency must be SEK except for values expected in original currency or in EUR (blocking), and values may have at most 15 significant digits (not blocking). FI publishes a list of EBA rules it has deactivated in Sweden (national adaptation, 2026-09-18).

How they were counted

Not counted here: the EBA's validation rules apply (see eba/psd-frp).

Counts are in the FI's own unit, so they are not comparable with other regulators' counts.

Public data

Published only added up across firms. Twice a year FI publishes statistics on fraud via payment services, based on reports from payment service providers under its supervision: amounts and numbers by half-year, by payment method, fraud type, customer authentication method and loss allocation. No firm is named. Source

Where it is published (Web page with charts and an Excel file)

  • Fraud via payment services (Bedrägerier via betaltjänster)

    Added up across firms · Web page with charts; Excel file

    Half-yearly statistics on fraud via payment services, based on reports from payment service providers under FI's supervision: amounts and numbers per half-year, and breakdowns by payment method, fraud type, customer authentication method and loss allocation (latest file to the second half of 2025). Source

Official documents (14)

The FI's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

  • Rapportera i Fidac

    Filing rules · HTML

    FI's Swedish FIDAC page: entity identifier (institution number, scheme http://www.fi.se/InstNr, .IND/.CON suffix), XBRL-CSV rules from reference date 2026-03-31, 'nothing to report' sample files, DORA register and incident rules, revisions and validation rule documents.

  • Report in FIDAC

    Guidance · HTML

    FI's English page on FIDAC, its system for periodic and some event-driven reporting: weekend and holiday rule, revisions, validation results and FAQ.

  • Instructions FIDAC (version 1.3)

    Instructions · PDF · 1.8 MB · 24 April 2026

    English user guide to FIDAC: data collections and reporting modules, form and upload submission (XBRL, XML, JSON), test reporting, unexpected submissions, validation severity levels and revisions.

    SHA-256 9a1a04e0761dshow in full9a1a04e0761d22b1f9e7f6862e3e8a5676c692566bf32b3639e40f0ca98b7020
  • Banking and Payments (FIDAC technical information)

    Filing rules · HTML

    XBRL-CSV reporting packages for EBA modules: accepted from mid-January 2026 for DPM 4.0 to 4.2, mandatory from reference date 2026-03-31; parameters.csv content and naming rules.

  • Valideringsregler för rapportering enligt EBA-taxonomi via Fidac (2021-06-24)

    Validation rules · PDF · 164.1 KB · 24 June 2021

    How FIDAC applies EBA validation rules ('error' blocks, 'warning' does not), EBA filing rules (all treated as mandatory; identifier scheme http://www.fi.se/InstNr) and FI's three added rules (identifier scheme, SEK currency, at most 15 significant digits).

    SHA-256 fb4f8cb48120show in fullfb4f8cb481205b8c0cf5c63e794d9df5c8a2e4631d8e95828206720f78dbb0b2
  • Nationell anpassning av valideringsregler för periodisk rapportering via Fidac (2026-09-18)

    Validation rules · XLSX · 11.1 KB · 18 September 2026

    List of EBA validation rules deactivated in Sweden (sheet 'XBRL White list'): seven rules for RESOL, RESOL1 and SBP_CR - COREP_OF; one RESOL rule downgraded to warning.

    SHA-256 d15c82bb10a3show in fulld15c82bb10a3dc5b1e046730b63df479bbe488638502a3a2c507d8a3776376ed
  • Rapportering (Bank)

    Guidance · HTML

    FI's banking reporting page: firms report in FIDAC under FI's regulations and the CRR; links the EBA validation rules memo and the national adaptation of validation rules.

  • EBA publicerar nytt paket för rapportering (2026-07-13)

    Release note · HTML · 13 July 2026

    EBA reporting framework 4.3: third-country branches (first reference date 31 March 2027) and AMLA reporting; submission dates are shown in FIDAC.

  • Rapportering enligt andra betaltjänstdirektivet (PSD 2)

    Guidance · HTML

    PSD2 reporting routes: incident reports, the annual operational and security risk report, fraud statistics (half-yearly, by 21 February and 21 August) and notifications.

  • Inget att rapportera - exempelfil psd_frp

    Sample · ZIP · 997 bytes · 4 November 2026

    XBRL-CSV 'nothing to report' file for payment fraud statistics.

    SHA-256 80fdf5b08d47show in full80fdf5b08d47dad307aecf00d7bfd937b1dbd6e8ea7f3148beb46f29f0ceb253
  • Vanliga fel vid rapportering av statistiska uppgifter om svikliga förfaranden

    Known issues · PDF · 45.5 KB · 25 November 2025

    Common errors in payment fraud statistics reporting.

    SHA-256 06c1f3297d36show in full06c1f3297d36350b4289b4c95dd5bdd67785f3b8aadcae84929e2ebd22cb1b6d
  • Rapportering (Betalningar)

    Guidance · HTML

    What payment institutions and registered payment service providers report; the list of most representative services for PAD fee reporting; late-fee guidelines.

  • Reporting (Reporting Portal log-in, registration and authorisation)

    Guidance · HTML

    FI's English page on the Reporting Portal: registration, log-in methods and delegation of reporting authorisation.

  • Scheman och tekniska beskrivningar (schemas and technical descriptions)

    List of returns · HTML

    The table of every national report and survey module in FIDAC, with module version code, valid-from date and a zip of JSON schema, mapping and technical description. The anchor list for national returns in this file.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see FI's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Finansinspektionen (https://www.fi.se). Documents copied here are unchanged. The plain-English summaries are Line4's own; Finansinspektionen does not endorse this library.

Last checked 11 November 2026.