Which payment components does the European Accessibility Act reach?

According to the EU summary of the directive, it covers payment terminals, self-service machines such as ATMs, consumer banking services and e-commerce, and microenterprises providing services are excluded. For operators, that means the components they hand to merchants: hosted payment pages, payment links, embedded checkouts and terminals. Each operator assesses its exact obligations with its legal advisors.

What the act covers

The European Accessibility Act, applicable since June 2025, sets accessibility requirements for products and services including payment terminals, self-service machines such as ATMs, consumer banking services and e-commerce. Microenterprises providing services are excluded. The EU summary of the directive lists these scopes; each member state enforces them through national law.

For payment operators

• Hosted payment pages and embedded checkouts used by merchants.
• Payment links and invoices paid online.
• Payment terminals supplied to merchants, including their screens and PIN entry.
• Merchant and customer portals, when they are part of the service.

How to approach it

Operators assess their exact obligations with legal advisors, since the act applies to the economic operator placing the product or service on the market, and roles differ between an operator, its merchants and its terminal supplier. The practical path is to make the shared components accessible once, so every merchant using the hosted checkout or the operator's terminals benefits, rather than leaving each merchant to adapt its own integration.