The EU’s new payments package (PSD3, a directive, and PSR, a directly-applicable regulation) is expected to reach the Official Journal around mid-2026, starting a phased compliance clock of roughly 18 to 24 months. For subscription businesses charging EU cardholders, the changes touch checkout (SCA and surcharging), fraud liability (shifting toward payment providers), and account verification (mandatory payee name matching). The operational weight lands on businesses that bill the EU market by market: the rules attach to local entities, acquiring, and PSP relationships, not to a single cross-border setup.