{"id":5476,"date":"2016-03-30T12:47:12","date_gmt":"2016-03-30T10:47:12","guid":{"rendered":"https:\/\/www.fma.gv.at\/en\/?page_id=5476"},"modified":"2025-10-30T10:38:01","modified_gmt":"2025-10-30T09:38:01","slug":"payment-institutions","status":"publish","type":"page","link":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/","title":{"rendered":"Payment Institutions"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p>Payment institutions are entities that are authorised, either by holding a licence issued by the Austrian Financial Market Authority or an authorisation from a supervisory authority in another <abbr title=\"European Union\">EU<\/abbr>  Member State, to provide and conduct payment services commercially throughout the entire European Economic Area.<\/p><p>In this section you can find out more about the European background as well as detailed information about the Austrian Payment Services Act 2018 (ZaDiG 2018; Zahlungsdienstegesetz 2018).<\/p><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38c6910e080\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38c6910e080\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38c6910e080\">        <span>Areas of responsibility of payment institutions<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38c6910e080\" class=\"collapse\" aria-labelledby=\"heading-6a38c6910e080\">    <div class=\"card-body\"><p><br>\nThe tasks performed by payment institutions address a broad range of aspects relating to payment services. Each type of activity requires a separate licence, which is granted by the respective supervisory authority. Payment services that require a licence are defined in Article&nbsp;1 para.&nbsp;2 ZaDiG 2018:<\/p><ul>\n<li>Incoming payment transactions (no.&nbsp;1)<\/li>\n<li>Outgoing payment transactions (no.&nbsp;2)<\/li>\n<li>Payment transactions (no.&nbsp;3)\n<ul>\n<li>Direct debit transactions<\/li>\n<li>Payment card transactions<\/li>\n<li>Credit transfer transactions<\/li>\n<\/ul>\n<\/li>\n<li>Payment transactions involving the granting of credit (no.&nbsp;4)\n<ul>\n<li>Direct debit transactions<\/li>\n<li>Payment card transactions<\/li>\n<li>Credit transfer transactions<\/li>\n<\/ul>\n<\/li>\n<li>Payment instrument transactions (no.&nbsp;5)\n<ul>\n<li>Issuing of payment instruments (Issuing)<\/li>\n<li>Acquiring of payment transactions (Acquiring)<\/li>\n<\/ul>\n<\/li>\n<li>Money remittance transactions (no.&nbsp;6)<\/li>\n<li>Payment initiation services (no.&nbsp;7)<\/li>\n<li>Account information services (no.&nbsp;8)<\/li>\n<\/ul><p>In addition to payment institutions, among other entities credit institutions, electronic money institutions as well as the Oesterreichische Nationalbank, the Government of the Republic of Austria and the provinces are also permits to provide payment services within their administrative jurisdiction. In the case of credit institutions, which services they are allow to provide depends upon which banking transactions they are authorised to conduct. Unlike credit Institutions, payment institutions are not permitted to conduct other services over and above those listed above. Other business, which requires a banking licence, in particular deposit-taking business, is not permitted to be conducted by payment institutions.<\/p><p>    <\/div>  <\/div><\/div><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38c6910e0a9\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38c6910e0a9\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38c6910e0a9\">        <span>Legal basis - Payment Services Act 2018 (ZaDiG&nbsp;2018; Zahlungsdienstegesetz 2018)<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38c6910e0a9\" class=\"collapse\" aria-labelledby=\"heading-6a38c6910e0a9\">    <div class=\"card-body\"><p><\/p><h3>Increased security in payment transactions and increasing consumer protection<\/h3><p>Security in payment transactions is consequently increased, with the security requirements for the execution of online payments being increased (&ldquo;strong customer authentication&rdquo;) as the rules in relation to liability in the case of unauthorised payments being defined in a clear and customer-friendly manner.&nbsp;Chapters&nbsp;3 and 4 of ZaDiG 2018 stipulate the transparency of the contractual conditions and information requirements for payment services. Customers must be information about all fees that are incurred. Similarly, in the case of an error occurring in relation to a transfer or a payment transaction, clear rules on liability have been established.&nbsp;These rules in principle apply to all providers of payment services (primarily credit institutions, payment institutions and electronic money institutions).<\/p><p>    <\/div>  <\/div><\/div><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38c6910e0e3\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38c6910e0e3\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38c6910e0e3\">        <span>Instant Payments Regulation<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38c6910e0e3\" class=\"collapse\" aria-labelledby=\"heading-6a38c6910e0e3\">    <div class=\"card-body\"><p><\/p><p>There have been numerous technical innovations in recent years in the field of payments. The European legislator views there to be a sizeable potential for competition and innovation in this field, it therefore wishes to reinforce legislation accordingly.<\/p><p>This is intended to happen by means of the new rules that have been added to the SEPA Regulation (Regulation (EU) 260\/2012), that have been added by means of the Instant Payments Regulation, (IPR) in Regulation (EU) 2024\/886.<\/p><p>The objective of the new rules is for transfer business to become even faster and more secure within the EEA and for all the accompanying rules to be applied in a uniform manner throughout the EEA.<\/p><p>To achieve this objective, the European legislator has defined the following measures within the Instant Payments Regulation:<\/p><ul>\n<li>Every payment service provider in the EU that offers transfers in Euro (= sending and receiving), is also obliged to offer them as instant transfers.<\/li>\n<li>Payment service providers are not permitted to demand additional charges for instant transfers in Euro that for normal Euro transfers.<\/li>\n<li>Payment service providers are required to check whether the details provided by the payer match the account number (International Bank Account Number, IBAN) and the name of the payment recipient (payee verification).<\/li>\n<li>Payment service providers are now only required to conduct a sanctions list screening at least once a day for instant transfers.<\/li>\n<li>In relation to the Instant Payments Regulation, payment service providers are required to submit a report every 12 months to the Oesterreichische Nationalbank (OeNB) (covering price developments as well as payments that have been refused to be conducted).<\/li>\n<\/ul><p>For further information, please consult the information document &ldquo;Informationen zur Verordnung &uuml;ber Echtzeit&uuml;berweisungen (Verordnung (EU) 2024\/886)&rdquo; which can be downloaded here. The information is intended in particular to provide assistance for the addressees of this regulation.<\/p><p>\n<a href=\"\/wp-content\/plugins\/dw-fma\/download.php?d=7649&nonce=2e1506c4564b1356\" class=\"internal single-document-reference piwik_download\">Information zur Verordnung \u00fcber Echtzeit\u00fcberweisungen (Verordnung (EU) 2024\/886) (<span class=\"sr-only\">Format: <\/span>pdf, <span class=\"sr-only\">Size: <\/span>254,4 KB, <span class=\"sr-only\">Language: <\/span>German)<\/a>\n<\/p><p>    <\/div>  <\/div><\/div><p>\n<div class=\"card\">  <div class=\"card-header\" id=\"heading-6a38c6912eac8\">    <h2 class=\"mb-0\">      <button class=\"btn btn-link btn-block text-left p-0 d-flex align-items-center justify-content-between\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapse-heading-6a38c6912eac8\" aria-expanded=\"false\" aria-controls=\"collapse-heading-6a38c6912eac8\">        <span>European Background<\/span>        <i class=\"fa-solid fa-chevron-down text-primary\" aria-hidden=\"true\"><\/i>      <\/button>    <\/h2>  <\/div>  <div id=\"collapse-heading-6a38c6912eac8\" class=\"collapse\" aria-labelledby=\"heading-6a38c6912eac8\">    <div class=\"card-body\"><p><\/p><p>Following the Payment Services Act 2009 (ZaDiG 2009) having transposed the European Directive 2007\/64\/EC, the Payment Services Directive (<abbr title=\"Payment Services Directive\">PSD<\/abbr> ), the second Payment Services Directive (PSD2) entered into force in early 2016. The <abbr title=\"Second Payment Services Directive\">PSD2<\/abbr>  has been transposed by ZaDiG 2018. New market participants (so-called &ldquo;FinTechs&rdquo;) in the form of payment initiation service providers or account information service providers are now also subject to a clear legal framework and supervision by the Financial Market Authority (FMA), with consumer protection thereby being strengthened. Security in payment transactions is consequently increased, by virtue of security requirements for the execution of online payments being increased as the rules in relation to liability in the case of unauthorised payments being defined in a clear and customer-friendly manner.<\/p><h3>SEPA<\/h3><p>Following the entry into force of the Single European Payment Area (SEPA) transfers within Europe have become quicker and cheaper. Credit institutions are only allowed to process transactions using <abbr title=\"International Bank Account Number\">IBAN<\/abbr>  and <abbr title=\"Bank Identifier Code\">BIC<\/abbr> .<br>\n    <\/div>  <\/div><\/div><p>\n<\/p><h2>Further information:<\/h2><p>\n<div id=\"reference-6a38c6912eb5d\" class=\"reference\"><h3 class=\"reference-heading\"><span class=\"fa-solid fa-link fa-fw\" aria-hidden=\"true\"><\/span>Law<\/h3><p><\/p><p>\n<a href=\"\/wp-content\/plugins\/dw-fma\/download.php?d=3569&nonce=fd15e90a4c3682fc\" class=\"internal single-document-reference piwik_download\">Payment Services Act 2018 (ZaDiG 2018; Zahlungsdienstegesetz 2018) (<span class=\"sr-only\">Format: <\/span>pdf, <span class=\"sr-only\">Size: <\/span>1,0 MB, <span class=\"sr-only\">Language: <\/span>English)<\/a>\n<a href=\"http:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=CELEX:32015L2366\" target=\"_blank\" rel=\"noopener\" class=\"external single-document-reference\">Directive (EU) 2015\/2366\u00a0on payment services in the internal market, amending Directives 2002\/65\/EC, 2009\/110\/EC and 2013\/36\/EU and Regulation (EU) No 1093\/2010, and repealing Directive 2007\/64\/EC<\/a>\n<\/div><p>\n<div id=\"reference-6a38c69159976\" class=\"reference\"><h3 class=\"reference-heading\"><span class=\"fa-solid fa-download fa-fw\" aria-hidden=\"true\"><\/span>Downloads<\/h3><p><\/p><p>\n<a href=\"\/wp-content\/plugins\/dw-fma\/download.php?d=4209&nonce=887ecb60db0b5f30\" class=\"internal single-document-reference piwik_download\">Your rights when making payments in Europe (<span class=\"sr-only\">Format: <\/span>pdf, <span class=\"sr-only\">Size: <\/span>333,8 KB, <span class=\"sr-only\">Language: <\/span>English)<\/a>\n<a href=\"\/wp-content\/plugins\/dw-fma\/download.php?d=7649&nonce=bb97dac29497a29f\" class=\"internal single-document-reference piwik_download\">Information zur Verordnung \u00fcber Echtzeit\u00fcberweisungen (Verordnung (EU) 2024\/886) (<span class=\"sr-only\">Format: <\/span>pdf, <span class=\"sr-only\">Size: <\/span>254,4 KB, <span class=\"sr-only\">Language: <\/span>German)<\/a>\n<\/p><p><\/div><p>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Payment institutions are entities that are authorised, either by holding a licence issued by the Austrian Financial Market Authority or &#8230;<\/p>\n","protected":false},"author":20,"featured_media":0,"parent":9054,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-5476","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Payment Institutions - FMA \u00d6sterreich<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payment Institutions - FMA \u00d6sterreich\" \/>\n<meta property=\"og:description\" content=\"Payment institutions are entities that are authorised, either by holding a licence issued by the Austrian Financial Market Authority or ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/\" \/>\n<meta property=\"og:site_name\" content=\"FMA \u00d6sterreich\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T09:38:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2017\/05\/FMA_FB_Logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"925\" \/>\n\t<meta property=\"og:image:height\" content=\"524\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@FMA_AT\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/financial-service-providers\\\/payment-institutions\\\/\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/financial-service-providers\\\/payment-institutions\\\/\",\"name\":\"Payment Institutions - FMA \u00d6sterreich\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#website\"},\"datePublished\":\"2016-03-30T10:47:12+00:00\",\"dateModified\":\"2025-10-30T09:38:01+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/financial-service-providers\\\/payment-institutions\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/financial-service-providers\\\/payment-institutions\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/financial-service-providers\\\/payment-institutions\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial Service Providers\",\"item\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/financial-service-providers\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Payment Institutions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/\",\"name\":\"FMA \u00d6sterreich\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#organization\",\"name\":\"FMA - Finanzmarktaufsicht\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/FMA_Logo_Twitter_400x400.png\",\"contentUrl\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/FMA_Logo_Twitter_400x400.png\",\"width\":400,\"height\":400,\"caption\":\"FMA - Finanzmarktaufsicht\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/FMA_AT\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Payment Institutions - FMA \u00d6sterreich","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/","og_locale":"en_US","og_type":"article","og_title":"Payment Institutions - FMA \u00d6sterreich","og_description":"Payment institutions are entities that are authorised, either by holding a licence issued by the Austrian Financial Market Authority or ...","og_url":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/","og_site_name":"FMA \u00d6sterreich","article_modified_time":"2025-10-30T09:38:01+00:00","og_image":[{"width":925,"height":524,"url":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2017\/05\/FMA_FB_Logo.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@FMA_AT","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/","url":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/","name":"Payment Institutions - FMA \u00d6sterreich","isPartOf":{"@id":"https:\/\/www.fma.gv.at\/en\/#website"},"datePublished":"2016-03-30T10:47:12+00:00","dateModified":"2025-10-30T09:38:01+00:00","breadcrumb":{"@id":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/payment-institutions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fma.gv.at\/en\/"},{"@type":"ListItem","position":2,"name":"Financial Service Providers","item":"https:\/\/www.fma.gv.at\/en\/financial-service-providers\/"},{"@type":"ListItem","position":3,"name":"Payment Institutions"}]},{"@type":"WebSite","@id":"https:\/\/www.fma.gv.at\/en\/#website","url":"https:\/\/www.fma.gv.at\/en\/","name":"FMA \u00d6sterreich","description":"","publisher":{"@id":"https:\/\/www.fma.gv.at\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fma.gv.at\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.fma.gv.at\/en\/#organization","name":"FMA - Finanzmarktaufsicht","url":"https:\/\/www.fma.gv.at\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fma.gv.at\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2017\/05\/FMA_Logo_Twitter_400x400.png","contentUrl":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2017\/05\/FMA_Logo_Twitter_400x400.png","width":400,"height":400,"caption":"FMA - Finanzmarktaufsicht"},"image":{"@id":"https:\/\/www.fma.gv.at\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/FMA_AT"]}]}},"toolset-meta":[],"publishpress_future_action":{"enabled":false,"date":"2026-06-29 05:22:25","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"translation_priority","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/pages\/5476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/comments?post=5476"}],"version-history":[{"count":19,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/pages\/5476\/revisions"}],"predecessor-version":[{"id":19230720,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/pages\/5476\/revisions\/19230720"}],"up":[{"embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/pages\/9054"}],"wp:attachment":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/media?parent=5476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}