A Regulated Third Party Provider (TPP) is an entity who is certified and authorized by a national certification authority (NCA), as regulated by the PSD2 (Payment Services Directive) to access a payment account's information (AISP) and/or to initiate payments (PISP) on behalf of the payer, as long as having the proper payer's consent to do so, even if the payments account is held at another payment service provider (e.g. a bank). Companies using APIs out of the PSD2 scope are Non Regulated TPPs.