# PSD3 Explained: What SaaS and Digital Sellers Need to Know

DevFeed: [PSD3 Explained: What SaaS and Digital Sellers Need to Know](<https://devfeed.tech/articles/psd3-explained-what-saas-and-digital-sellers-need-to-know-10292.md>)

Original publisher: [Read original article](<https://dodopayments.com/blogs/psd3-explained-saas/>)

Author: Ayush Agarwal

Published: 2026-08-27T00:00:00Z

Content type: article

Language: en

Sources: [Dodo Payments Blog](<https://devfeed.tech/sources/dodo-payments-blog.md>)

Topics: [Software as a service](<https://devfeed.tech/topics/saas.md>), [Security, Privacy and Abuse Prevention](<https://devfeed.tech/topics/security-privacy-and-abuse-prevention.md>)

Tags: [article](<https://devfeed.tech/tags/article.md>), [compliance](<https://devfeed.tech/tags/compliance.md>), [eu](<https://devfeed.tech/tags/eu.md>), [europe](<https://devfeed.tech/tags/europe.md>), [guide](<https://devfeed.tech/tags/guide.md>), [legal](<https://devfeed.tech/tags/legal.md>), [payments](<https://devfeed.tech/tags/payments.md>), [saas](<https://devfeed.tech/tags/saas.md>)

## AI overview

A plain-English guide to PSD3 and the PSR for SaaS products and digital sellers serving European customers. It explains that the reforms are close to final but not yet law, distinguishes PSD3's licensing and supervision rules from the PSR's checkout-related conduct rules, and outlines implications for payment providers, fraud prevention, and payment execution.

## Source excerpt

A plain-English PSD3 and PSR guide for SaaS founders: where the legislation stands in 2026, what changes on fraud liability and SCA, and what it means for checkout.