EU Payments Regulation
The forthcoming PSD3 and PSR, strong customer authentication, e-money and open banking: the core rulebook of European payments.
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De Matteis Law was founded in Rome in 2011, following its founding partner's decade in Brussels at Linklaters, the European Commission's Directorate-General for Competition and WilmerHale. Since then, the firm has developed as a focused, independent practice, where clients work directly with senior lawyers. Our experience in European payments spans more than 20 years, and our written work is read by the European Commission, the EBA and national supervisory authorities.
Our Focus
Agentic Commerce
AI agents, strong customer authentication, consent and liability: designing compliant autonomous payment journeys.
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Digital Finance
MiCA, crypto-assets, stablecoins, the digital euro and tokenisation: regulation for new forms of digital value.
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Digital Identity
The EUDI Wallet and eIDAS 2.0: identity, authentication and access to services across the EU.
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Cybersecurity
DORA, ICT risk, resilience testing and third-party oversight: security and operational resilience for payment services.
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Competition & Market Regulation
Antitrust, the Digital Markets Act and regulatory proceedings before Italian and EU authorities.
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Our Services
- Strategic advice on current and emerging EU regulation and its implications for products, business models and markets.
- Legal opinions, regulatory assessments and clear, practical advice for legal and business teams.
- Position papers, consultation responses and proposed legislative amendments.
- Support in engagements with EU and national regulatory authorities.
- Representation in regulatory and competition investigations, appeals and contentious proceedings.
- Ongoing support for in-house legal, regulatory and public policy teams.
Insights & News
We are hiring: EU Payments & Financial Regulation Lawyer
De Matteis Law is recruiting a lawyer to join its EU payments and financial regulation practice in Rome. The role is aimed principally at lawyers with approximately four to eight…
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Our Team
We serve our clients with competence, hard work and genuine care.
Founding Partner
Andrea De Matteis is the founding partner of De Matteis Law. He advises leading international payment companies on complex EU regulatory questions and represents clients in competition and regulatory proceedings before Italian and EU authorities. He has practised since 1996 and spent ten years in Brussels, including at Linklaters, the European Commission’s Directorate-General for Competition and WilmerHale. Before founding the firm, he led the antitrust team of a major Italian banking and corporate law firm. His work combines legal analysis, policy strategy and advocacy on issues shaping the European payments market.
AREAS OF EXPERIENCE
- PSD3/PSR and strong customer authentication
- Agentic commerce, digital identity and the EUDI Wallet
- MiCA, DORA, the digital euro and instant payments
- EU competition law and the Digital Markets Act
EDUCATION
- LL.M., New York University School of Law (1996)
- J.D., summa cum laude, University of Florence (1995)
LANGUAGES
Italian (native), English, French and Spanish
Ranked by Chambers & Partners
SELECTED WORK
- The Agentic Commerce Opportunity and its Regulatory Compliance
- Regulating central bank digital currencies
CONTACT
Founding Partner
Simone Giordano has advised clients on EU payments, digital finance and cybersecurity regulation since 2009. He works closely with international payment companies on PSD3/PSR, strong customer authentication, DORA, open banking, the Interchange Fee Regulation and related commercial-law issues. Simone also represents clients in competition matters before the Italian Competition Authority, including complex in-depth investigations. Before co-founding De Matteis Law in 2011, he practised antitrust and corporate law at a leading Italian banking and corporate law firm. He combines detailed regulatory analysis with a practical understanding of payment products, operations and market developments.
AREAS OF EXPERIENCE
- PSD3/PSR, SCA and open banking
- DORA and operational resilience
- Interchange fees and commercial law in payments
- Competition law in regulated industries
EDUCATION
- J.D., summa cum laude, University of Rome Tor Vergata (2009)
LANGUAGES
Italian (native) and English
SELECTED WORK
CONTACT
Associate
Denise Campagna advises on EU payments regulation, payment-fraud disputes and the contractual documentation governing payment products and services. She supports clients in translating regulatory requirements into clear terms and conditions and practical responses to customer complaints. Before joining De Matteis Law in 2022, Denise trained at the Italian State Attorney General’s Office and completed a judicial traineeship at the Court of Rome. She previously worked as an intern at the Italian Ministry of the Interior. Her practice combines payments, contract and civil law, with particular attention to the practical needs of regulated businesses and their customers.
AREAS OF EXPERIENCE
- EU payments regulation
- Payment-fraud disputes and complaints
- Contract law and terms and conditions
- Civil law
EDUCATION
- J.D. (International Program), summa cum laude, LUMSA University of Rome (2020)
LANGUAGES
Italian and Spanish (native), English and French
CONTACT
Junior Associate
Nicoletta Conte focuses on EU regulatory and competition law, advising on payments regulation, PSD3/PSR, MiCA and related market developments. Before joining De Matteis Law in 2026, she served at the Italian Competition Authority and trained in the Banking & Finance department of PedersoliGattai. This combination of public-sector and private-practice experience informs her approach to legal research, regulatory analysis and client advice. Nicoletta was admitted to practise as a lawyer in 2026 and holds a law degree and a postgraduate qualification in European law from the University of Naples Federico II.
AREAS OF EXPERIENCE
- EU payments and financial regulation
- PSD3/PSR
- MiCA and digital finance
- EU and Italian competition law
EDUCATION
- J.D., summa cum laude, University of Naples Federico II (2023)
- Post-Graduate Course on European Law, University of Naples Federico II (2025)
LANGUAGES
Italian (native), English and Spanish
CONTACT
Office Manager
Greta Maria Azzurra Giordano is the Office Manager of De Matteis Law. She oversees the firm’s day-to-day administration and helps ensure that lawyers, clients and suppliers receive efficient and reliable support. Before joining the firm in 2024, Greta spent four years as Administration and Legal Manager at an international architectural practice in Rome. She previously practised for seven years as a criminal lawyer. Her legal background and operational experience enable her to manage administrative matters with sound judgement, discretion and close attention to detail, while contributing to a welcoming and well-organised working environment.
AREAS OF EXPERIENCE
- Firm operations and administration
- Client and supplier coordination
- Legal and administrative support
- Confidential information management
EDUCATION
- J.D., summa cum laude, LUISS Guido Carli University, Rome (2008)
LANGUAGES
Italian (native), English and French
CONTACT
Careers
We are recruiting a lawyer with 4–8 years’ PQE to join our EU payments and financial regulation practice in Rome. The role offers direct work with senior lawyers on complex regulatory matters shaping the European payments market.
Contact
For enquiries, email contact@dematteis.law or visit our contact page for our Rome and Brussels office details and directions.