Editorial Policy

Last reviewed: October 2026.

Primary sources first

For regulatory and payment-system claims, FinGuard Insights prefers official regulator registers and warnings, published payment-network rules, European Payments Council documents, legislation, parliamentary/council status pages, provider terms and verifiable transaction records.

Proportional language

We do not label a named business fraudulent, scam, blacklisted or unregulated merely because someone reports a negative experience. Where an official warning exists, we identify the authority and link to the source. Where facts are unresolved, we use proportionate language.

Current law versus proposed law

PSD2 remains the current EU payment-services framework as of October 2026. PSD3 and the Payment Services Regulation have progressed through political agreement but are not described here as already in force.

Commercial independence

Paid distribution or referral relationships must not determine factual conclusions. We do not support cloaking, deceptive redirects, fabricated success statistics or false regulator affiliations.

Updates

A review date should change only when the material has actually been reviewed. Dates are not automatically refreshed simply to make content appear new.