The access to account lifecyle has five stages. Firstly, both parties must be regulated and properly published in the Home Member State’s register. Then they must get a certificate. Then they must interact with the bank, to get documentation and test that all credentials work properly. At this point the actual Account Access can take place, with a real PSU initiating a payment or requesting Account Information. Finally there is always transaction follow up, whether simply reporting or whether disputes and reconciliations.