# FAQ
source: https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/faq/index.md

### General {#general}

Mastercard's PIS service provides payment functionality all across Europe. It can be used to build new payment services covering multiple use case. Yes, we are currently integrating banks' new PSD2 APIs across Europe. However, to make sure you get the best experience possible, we still use our reverse engineered APIs if the quality of banks' PSD2 APIs does not meet standards. The decision on when to release goods to customers or fulfill services is a business decision to be taken by the Merchant/Payee. However, Mastercard Open Finance Solutions recommends that you wait until you can see that funds have settled into your payee/destination account before releasing any goods to your customers. This reduces the risk of shipping goods or fulfilling services for a payment that does not settle successfully.

### Licenses and certificates {#licenses-and-certificates}

To use Aiia Data, you do not need a license as we are already a licensed Third Party Provider (TPP) and services are provided through out license.  
Complete the [Contact Us](https://openbankingeu.mastercard.com/contact-us) form if you have any questions or concerns about the AISP or PISP license.

### Markets and coverage {#markets-and-coverage}

When we go to a new market, we want to make sure we cover as many banks as possible, so you can build the best and most reliable service on top of our API.

For a full overview of that banks we support for Aiia Pay, refer to [Supported Providers](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/production/supported-providers/index.md).
We support a vast majority of the banks across Europe. And we continue to add more banks in both the B2B and B2C markets.

For a full overview of that banks we support for Aiia Pay, refer to [Supported Providers](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/production/supported-providers/index.md).

### Compliance and security {#compliance-and-security}

Yes. Compliance and security is integral to Mastercard Open Finance, including the EU's legislation, PSD2 (Revised Payment Service Directive). To make payments safer than ever, Strong Customer Authentication (SCA) is an EU requirement that's set in place to reduce fraud. This means, when a customer authorizes AIS or PIS access to their account, the bank will require the customer to authenticate using at least two of the three following authentication measures:

* Something the customer knows (password or pin)
* Something the customer has (phone or laptop)
* Something the customer is (fingerprint or face recognition)

### Using webhooks and receiving notifications {#using-webhooks-and-receiving-notifications}

Yes. Aiia Pay provides you with the ability to receive notifications for payment events. Please refer to [Event Notifications](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/aiia-pay/event-notifications/index.md) for details.

Please refer to our complete set of [FAQs](https://developer.mastercard.com/open-finance-europe/documentation/faq/index.md) that covers all of our solutions.