PSD2 Experts in Frankfurt
for secure account access and payment flows, matched in minutes with vetted freelancersHire experts who design open banking integrations, strong customer authentication flows and compliant payment services around PSD2, Berlin Group standards and APIs. Get precisely matched with vetted, available freelancers for fast project support.
Meet FRATCH Experts in Frankfurt, who have recently used PSD2
Joachim A.
Last position:
HubSpot Project Manager, Tracking + Analytics Expert at Swiss Post
- Create a tracking concept for Google Tag Manager and Google Analytics, including the data layer, events, triggers, and reporting
- Manage the project team (developers, designers, performance)
- Communication interface between stakeholders and digital specialist departments
Vadim R.
Last position:
Independent AI Product Lab – Agentic Product Owner / Product Builder | R&D
- Hands-on development of AI-native product prototypes with specialized AI agents for research, requirements, business logic, UX/flow design, test case generation and quality assurance.
- Structured use and orchestration of AI agents through clearly defined roles, inputs/outputs and handover points; breaking down complex product tasks into verifiable work packages and iterative prototyping cycles.
- Establishment of human-in-the-loop quality gates to validate AI-generated results for functional correctness, consistency, completeness and feasibility; targeted rework cycles in case of deviations.
- Development of a regulatory GenAI/rules prototype for CRD VI with a structured decision flow, web UI, rule-based validation and automated test cases; iteration of the business logic through to a pilot-ready POC.
- Design of an AI-to-Action banking prototype: AI intent → consent → bank/product logic → conversion including admin console; translating the product idea into MVP scope, role model, user flows and clickable prototypes.
Jin-Ho Y.
Last position:
Server Migration Consultant at Unknown Client
- Linux server migrations: Planning and implementation of the migration with SLES Linux Deployment of VMs in VMware 8.0
- Guiding colleagues in configuring Linux VMs in vSphere Auto Deploy
- Application operations: Ensuring the smooth operation of applications on the migrated servers
- Operations manuals: Revising existing operations manuals, adding to them and creating new ones when required
- Reviewing service offerings: Adjusting and optimizing the service offering of external service providers
- Logistics SW, RedHat Linux, Ansible, Confluence / Jira
Pranjal N.
Last position:
Consultant – Business Process & Supply Chain Advisory at Restaurant Namaste Aschaffenburg
- Designing and optimizing the end-to-end supply chain for a newly established restaurant, covering fresh produce, dry goods, beverages, and kitchen essentials
- Setting up ordering cycles, ensuring food-safety compliant logistics, and aligning delivery schedules with kitchen operations to maintain product quality and reduce waste
- Building procurement frameworks and vendor relationships with major importers and wholesalers in Germany; structuring agreements to secure competitive food pricing, negotiating minimum order quantities, and establishing reliable delivery commitments
- Defining structured processes for supplier evaluation, contract negotiation, and delivery scheduling to reduce risks such as delayed deliveries, inconsistent product quality, or stock shortages; introducing clear evaluation criteria, establishing communication protocols with vendors, and setting escalation procedures for supply disruptions
Leonid R.
Last position:
IT Business Analyst / Requirements Engineer at S-Payment GmbH / Sparkasse (DSV-Gruppe)
- Business analysis of payments for the introduction of Wero EPI in Germany.
- Analysis and optimization of merchant processes in the context of acquiring and issuing.
- Analysis of interfaces for instant payments.
- Analysis of SCT-Inst processes, settlement mechanisms and reporting processes.
- Identification and clarification of gaps in merchant processes.
- Analysis and documentation of clearing and settlement processes.
- OSPlus process analysis and documentation.
- Coordination and alignment with scheme management as well as various payment service providers and financial institutions on merchant processes.
- Preparation and follow-up as well as active participation in EPI meetings on technical coordination and regulatory topics in payments, including content familiarization and prioritization.
- Preparation and documentation of project and steering committees in the EPI environment.
- Creation of status reports for the subproject.
- Maintenance and structuring of Confluence pages for project documentation.
- Coordination and alignment with the issuing teams on individual customer processes as well as aligning with bank processes and acquirer processes in the Wero environment.
- Communication with payment service providers regarding merchant and bank processes in the Wero environment.
- Organizational support for project management in special tasks in the EPI and Wero environment.
- Digital filing and documentation in Confluence and Microsoft Teams.
- Planning, implementation and tracking of work packages and steps.
- Quality assurance and project control.
- Consulting on IT strategy, IT architecture and interface management in the EPI and Wero environment.
- Technical environment: Jira, Confluence, XML, JSON, MS Office (Word, Excel, Teams, PowerPoint), SharePoint, Draw.io, Innovator, 3rd-level support, ITIL, creation and updating of software documentation, interface management, OSPlus, Scrum, KYC, payment, European Payments Initiative (EPI), Wero, Microsoft Loop, Instant Payments, SCT-Inst.
Alexander M.
Last position:
Managing Director & Senior Project Manager at Mendelson GmbH
- Interim project manager and requirements engineer in various client projects
Discover over 15,000 top freelancers
Statistics of experts using PSD2
Aggregated from the professional profiles of matched freelancers.
Experience
18 years (Germany: 20 years)
Position duration
1.5 years (Germany: 1.8 years)
Positions per freelancer
13 (Germany: 14)
Top business areas
Information Technology, Project Management, Quality Assurance
Top industries
Banking and Finance, Information Technology, Manufacturing
Certification focus areas
Information Technology, Product Development, Project Management
Bachelor's degree or higher
75% (Germany: 85%)
Master's degree or higher
75% (Germany: 56%)
Doctorate
25% (Germany: 4%)
Certifications per freelancer
6 (Germany: 5)
Most common languages
German, English, French
Speak two or more languages
100%
Based on our profile pool as of 29 Oct 2026.
Daily rate distribution
The chart shows how the daily rates of experts in this technology in Frankfurt are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows the share of experts charging within that range.
Average rates of experts in Frankfurt using PSD2
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 29 Oct 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
PSD2 experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (67%)
- Manufacturing (50%)
- Food and Beverage (33%)
- Transportation (33%)
- Professional Services (33%)
- Government and Administration (33%)
- Aerospace and Defense (17%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
Purpose and scope
PSD2, short for the Revised Payment Services Directive, sets rules for payment services and account access in the European Economic Area. It supports safer online payments, regulated account information services and payment initiation services. Companies use it to shape compliant products while opening selected bank account data to authorised third parties.
Open banking use cases
PSD2 expertise appears in products that connect banks, merchants and financial applications. Typical project work includes:
- Connecting account information and payment initiation APIs
- Designing consent, authentication and access journeys
- Supporting merchant checkout and account-to-account payments
- Mapping transaction data for finance and business applications
- Reviewing controls for regulated payment operations
Standards and tooling
Professionals work across bank APIs, consent services, identity flows and payment processing layers. Berlin Group NextGenPSD2, OAuth, mutual TLS and strong customer authentication are common parts of the integration landscape. Useful adjacent skills include REST APIs, JSON, webhooks, security testing, cloud infrastructure and financial data modelling.
When external expertise helps
Companies often bring in freelance specialists when a banking connection must be launched, replaced or audited. They can clarify responsibilities between a third-party provider, payment service provider and internal product teams. In Frankfurt, collaboration may involve banks, fintech companies, merchants and enterprise finance teams, with German and English communication depending on the stakeholders.
Delivery and risk control
Strong professionals translate regulatory requirements into clear product and technical decisions. They define consent records, access scopes, authentication fallbacks, error handling and audit trails before implementation. They also test revoked permissions, expired sessions, duplicate payments, bank outages and sensitive-data exposure across the full journey.
Choosing the right specialist
Look for experience with real bank integrations rather than only general API work. A capable specialist can explain the difference between payment initiation and account information access, assess a third-party provider, and document decisions for compliance and operations. Ask for examples of test strategies, incident handling and handover material, not just interface screenshots.
Frequently asked questions
The facts hiring teams ask for most often when it comes to PSD2.
PSD2 provides a European framework for safer payment services and controlled access to bank accounts. It enables regulated account information and payment initiation services while requiring suitable customer authentication and security controls.
PSD2 is the payment services regulation that helped establish the legal basis for open banking in Europe. Open banking is the broader practice of sharing account data or initiating payments through authorised providers and secure interfaces.
A strong PSD2 specialist usually understands Berlin Group NextGenPSD2, OAuth, mutual TLS, REST APIs and strong customer authentication. Experience with consent management, webhooks, JSON, security testing and bank-specific API behaviour is also valuable.
Companies commonly need PSD2 expertise when launching a bank connection, changing a payment flow or reviewing compliance controls. Freelance support is also useful when internal teams need help testing authentication, handling bank errors or documenting an integration for audit.
The right PSD2 freelancer should have worked through complete payment or account-access journeys, not only configured an API client. Ask how they handled consent withdrawal, failed authentication, duplicate requests, provider outages and sensitive transaction data.
PSD2 projects can often be delivered remotely when documentation, test access and secure communication are available. On-site workshops may still help with banks, fintech teams or compliance stakeholders in Frankfurt, especially when requirements and ownership are unclear.
A capable PSD2 expert often combines payment-domain knowledge with API integration, identity and access management, threat modelling and cloud operations. Familiarity with product discovery, compliance documentation and observability helps connect technical work with business controls.
Evaluate whether the PSD2 specialist explains risks in concrete terms and can show a structured approach to consent, authentication, auditability and failure handling. Review test cases, integration documentation and operational runbooks, then ask how they would protect customer data during a bank outage.
The average hourly rate of freelancers in Frankfurt, Germany who have used PSD2 in their recent projects is 105 €, which corresponds to a daily rate of about 837 € based on an 8-hour working day.
Of the freelancers in Frankfurt, Germany who have used PSD2 in their recent projects, 75% hold at least a Bachelor's degree, 75% hold at least a Master's degree, and 25% hold a doctorate.
On average, freelancers in Frankfurt, Germany who have used PSD2 in their recent projects have 18 years of professional experience, with a single engagement typically lasting around 1.5 years.
The most common languages among freelancers in Frankfurt, Germany who have used PSD2 in their recent projects are German (100%), English (100%), and French (33%).
The most common industries among freelancers in Frankfurt, Germany who have used PSD2 in their recent projects are Banking and Finance (100%), Information Technology (67%), and Manufacturing (50%).
The most common business areas among freelancers in Frankfurt, Germany who have used PSD2 in their recent projects are Information Technology (100%), Project Management (100%), and Quality Assurance (100%).
Main locations of FRATCH Experts, who have recently used PSD2
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne 
Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg 
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